James Heppe-Smith
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Your lender has gone bust. What happens to your loan, and to the money you were owed?
Read more: Your lender has gone bust. What happens to your loan, and to the money you were owed?Blue Motor Finance, Eldens Finance and Logbook Lending all entered administration inside four weeks. If you borrowed from one of them, two very different things happen at once: your loan carries on almost unchanged, and any compensation you were owed may never arrive in full.
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State Pension age 68: why there are two dates, seven years apart
Read more: State Pension age 68: why there are two dates, seven years apartThe law says the State Pension age reaches 68 between 2044 and 2046. The Office for Budget Responsibility builds its projections on 2037 to 2039. Only one of those is legislation, and the difference is about seven years of your retirement.
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Electricity VAT Cut to 0% and a £2 Bus Fare Cap: What the New Cost of Living Package Saves You
Read more: Electricity VAT Cut to 0% and a £2 Bus Fare Cap: What the New Cost of Living Package Saves YouVAT on domestic electricity drops from 5% to 0% from 1 October 2026, and single bus fares outside London are capped at 2 pounds from January 2027. What the package actually saves a typical household, who is excluded, and what was not announced.
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Why US Mortgage Rates Keep Rising While the Fed Holds (2026)
Read more: Why US Mortgage Rates Keep Rising While the Fed Holds (2026)The US 30-year fixed mortgage rate reached 6.55% in mid-July 2026, the highest since August 2025, even though the Federal Reserve has not moved rates once this year. The reason is that fixed mortgages do not track the Fed’s overnight rate at all; they track the 10-year Treasury yield plus a spread. This explainer walks…
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High-yield savings accounts explained: how to earn more on your emergency fund (2026)
Read more: High-yield savings accounts explained: how to earn more on your emergency fund (2026)A high-yield savings account can pay many times the national average rate on the cash you keep for emergencies, and it is still FDIC-insured. Here is how they work and what to look for.
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Mansion House 2026: What It Means for Savers, Borrowers and Small Businesses
Read more: Mansion House 2026: What It Means for Savers, Borrowers and Small BusinessesOn 14 July 2026 the Chancellor used the annual Mansion House speech to announce a £6.5bn expansion of small-business lending guarantees and a review of bank capital rules the Treasury says could unlock up to £150bn of extra lending, alongside a ring-fencing consultation and an AI plan for finance. Here is what was actually announced,…
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ETFs for UK beginners: what an ETF is and how to buy one in a Stocks and Shares ISA
Read more: ETFs for UK beginners: what an ETF is and how to buy one in a Stocks and Shares ISAAn ETF is one of the simplest, lowest-cost ways to start investing. Here is what an exchange-traded fund actually is, the jargon that matters, and how to buy one inside a Stocks and Shares ISA.
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Halifax Is Becoming Lloyds: What It Means for Your Money (2026)
Read more: Halifax Is Becoming Lloyds: What It Means for Your Money (2026)Lloyds Banking Group confirmed on 1 July 2026 that the Halifax brand will change to Lloyds over the coming months. For your money the practical answer is reassuring: nothing changes today, your sort code and account number stay the same, and your FSCS protection is unchanged. Here is what is happening, what it means for…
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FCA investment-trust reforms (CP26/21): what the Saba conflict rules mean for retail investors
Read more: FCA investment-trust reforms (CP26/21): what the Saba conflict rules mean for retail investorsThe FCA’s CP26/21 proposes new conflict-of-interest rules for investment trusts after the Saba Capital campaigns. Here is what the 2026 consultation means for ordinary shareholders.
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Is your old pension quietly underperforming? What the FCA’s 2026 legacy-pension review means
Read more: Is your old pension quietly underperforming? What the FCA’s 2026 legacy-pension review meansBy James Heppe-Smith · 3 July 2026 · 10 min read Educational, not advice. This article explains what the Financial Conduct Authority found in its 2026 review of older “legacy” pensions and savings, and how you can check your own. It is general information, not personal financial advice. Savvy Investor Guide is not authorised or…
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Latest news
- Your lender has gone bust. What happens to your loan, and to the money you were owed?
- State Pension age 68: why there are two dates, seven years apart
- Electricity VAT Cut to 0% and a £2 Bus Fare Cap: What the New Cost of Living Package Saves You
- Why US Mortgage Rates Keep Rising While the Fed Holds (2026)
- High-yield savings accounts explained: how to earn more on your emergency fund (2026)
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