Mortgages & Home Money
Should I overpay my mortgage or put the money into savings?
A like-for-like UK comparison of mortgage overpayments, savings after tax, cash access and lender penalties, with two worked examples.
UK money, clearly explained
Practical guides for better money decisions
Straightforward guides to family finances, mortgages and home-buying costs, with official sources and calculators for testing your own figures.
20 in-depth guidesOfficial sources included
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Savings & Interest
How much should I save each month to reach a savings goal?
Work backwards from a target and deadline, allow for existing savings and compound interest, and build a monthly savings plan.
Savings & Interest
Inflation vs savings: is your money really growing?
Learn the difference between nominal savings growth and inflation-adjusted purchasing power, with clear examples.
Savings & Interest
Personal Savings Allowance explained: how much savings interest is taxable?
Learn the 2026/27 UK savings interest allowances, how interest across accounts is combined and when extra tax rules apply.
Savings & Interest
Daily savings interest explained: compounding, credit dates and withdrawals
Understand AER, daily accrual, compounding and why money earned is not always money ready to withdraw.
Mortgages & Home Money
Mortgage switch break-even point: when do remortgaging savings recover the fees?
Learn how to calculate a mortgage switch break-even point, which remortgaging costs to include, how cashback changes the result and when a lower monthly payment can still be misleading.
Mortgages & Home Money
How balance, LTV and overpayments can affect a remortgage
Estimate your balance and LTV at renewal, test valuation changes and decide whether an overpayment is worth considering.
Mortgages & Home Money
Product transfer or remortgage: how to compare staying and switching
Compare an existing lender's product transfer with a remortgage by looking at total cost, checks, fees and future flexibility.
Mortgages & Home Money
Remortgage timeline: what to do before your mortgage deal ends
Plan the months before a mortgage deal ends, estimate your renewal balance and compare your lender's offer with the wider market.
Mortgages & Home Money
How to budget for Stamp Duty and other home-buying costs
Build a completion-day budget for Stamp Duty, legal work, surveys, mortgage fees and moving costs without using your whole deposit twice.