Your guide to understanding UK finance.
Posted on November 3, 2025
Picture this: You’re approaching the end of a 25-year interest-only mortgage term. You’ve faithfully paid the monthly interest, but the huge capital amount—the original loan—is suddenly due, and your chosen...
Posted on October 29, 2025
Picture this: You’re a UK-based life coach, and you're running a six-week, live, small-group coaching programme via Zoom. Your clients are scattered across London, Paris, and New York. You’re staring...
Posted on October 28, 2025
Picture this: You're a successful freelance web designer in Bristol who just sold a bespoke, downloadable website template for £200 to a customer in Lyon, France. You're staring at your...
Posted on October 20, 2025
Picture this: You’re a successful small business owner in Surrey, and you want to gift £50,000 to your daughter to help with a house deposit. You know about the “7-year...
Posted on October 29, 2025
Picture this: You’re a successful business owner in Surrey, and you want to gift £100,000 to your daughter to help her buy her first home. You’ve heard of the "7-year...
Posted on November 2, 2025
Picture this: You’re the sole director of a successful limited company in Leeds. You’ve needed to dip into the company’s bank account occasionally for personal expenses, perhaps to cover a...
Posted on October 21, 2025
Picture this: You've spent 30 years building a successful UK limited company. It's your life's work. You've always assumed that when the time comes, you can pass the company shares...
Posted on November 1, 2025
Picture this: you're a salaried employee, and your tax is handled neatly through PAYE. You've never needed to file a tax return. Then, a brown envelope from HMRC arrives. It...
Posted on October 22, 2025
Picture this: You’re the sole director of a successful UK limited company. Revenue is coming in, and to cover a personal expense—maybe a new kitchen or a large investment—you take...
Posted on November 3, 2025
Picture this: You're a landlord in Birmingham looking to buy a new buy-to-let property. You find a property that generates £1,000 a month in rent. Your mortgage broker runs the...
Posted on October 29, 2025
Picture this: You're a freelance web developer in Bristol who just sold a £400 custom WordPress theme to a customer in Dublin, Ireland. You’re staring at your invoicing software wondering:...
Posted on October 25, 2025
Picture this: You’re an online coach in Brighton who just sold a £500 one-on-one consultation package to a client in New York. Or maybe you're a course creator whose live...
Posted on October 28, 2025
Picture this: You’re the sole director of a successful limited company in Leeds. You’ve taken money out of the business throughout the year to cover personal expenses, planning to clear...
Posted on October 23, 2025
Picture this: you're exploring mortgage options for a new home purchase or a remortgage. You see 'interest-only' products advertised with temptingly low monthly payments. It seems like a great way...
Posted on November 4, 2025
Picture this: You’re the director of a successful UK-based limited company—perhaps a software firm, a manufacturing business, or a property management company. You've worked for years to build up its...
Posted on October 22, 2025
Picture this: You've just logged into your HMRC account to check your tax summary, and your stomach drops. You see a £100 penalty charge. You filed your Self Assessment return...
