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Land Transaction Tax in Wales explained

If you’re buying a home in Wales that costs more than £225,000, or £40,000 as a second home, you’ll pay Land Transaction Tax (LTT). Here’s what you need to know. 

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Get help with money decisions: guidance, targeted support and advice explained

Find out where to get help with your money and pension decisions. We explain the difference between guidance, targeted support and financial advice.

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Can I use my pension to pay off debt?

If you owe money and are aged 55 or over, you might consider using your pension savings to clear debt. But you could end up paying more tax and having less money...

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How tax relief boosts your pension contributions

When you pay into your pension, the government usually adds a top-up payment called tax relief. This is the money you’d normally pay in Income Tax. Here’s what...

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Dividing investments and savings during divorce or dissolution

Investments and savings will generally form part of your financial settlement if you divorce or your partnership is dissolved. Dividing them should be relatively...

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Carry forward: increase your annual allowance for pension savings

If your pension savings exceed the annual allowance (£60,000 for most), check if you can use unused allowances from the last three tax years. This is called ...

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Bill prioritiser: get help with your bills

Managing bills and payments can feel overwhelming, but we’re here to help.

Our Bill prioritiser can show you which bills to tackle first. The consequences...

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What to do with a lump sum payment after divorce or dissolution

You might get a lump sum as part of your financial settlement. If you haven’t already decided what you’ll use it for, think about your options carefully.

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Tax and National Insurance when you’re self-employed

When you’re self-employed, you’re responsible for paying tax and National Insurance on your income. Here’s how it works.