UK financial guides
Plain-English explanations of UK tax, mortgages, pensions and savings — grounded in official HMRC, Revenue Scotland and Welsh Revenue Authority figures for 2026/27.
Income & Pay
How is take-home pay calculated in the UK? (2026/27)
A plain-English explanation of how income tax, National Insurance, pension contributions and student loan deductions reduce your gross salary to net pay — 2026/27 figures.
Scottish income tax explained (2026/27 bands)
Scotland has six income tax bands under the Scottish Rate of Income Tax (SRIT). This guide explains each band, compares them to rUK rates, and shows worked examples for 2026/27.
Property & Mortgages
How much can I borrow for a mortgage? (2026/27)
Understand mortgage affordability: income multiples, stress tests, deposit requirements, and how lenders calculate the maximum you can borrow — with worked examples.
Stamp duty explained: SDLT, LBTT and LTT (2026/27)
A complete guide to stamp duty in the UK — SDLT in England and Northern Ireland, LBTT in Scotland, and LTT in Wales. Includes first-time buyer relief, the SDLT £500k cliff, and additional property surcharges.
Not financial advice. Figures are for 2026/27 based on published HMRC and Revenue Scotland rates. Always consult a qualified adviser for personal recommendations.