personal finance UK
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UK house prices in October 2026: five indices, five different answers
Read more: UK house prices in October 2026: five indices, five different answersFive UK house price indices, five different answers. The official index, Nationwide, Lloyds, Zoopla and Rightmove each measure a different moment in a sale, so they disagree. What each one says in October 2026, where prices are rising and falling, and the mortgage rates and Budget dates behind them.
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Gilt yields and the 28 October Budget: how the Chancellor’s fiscal headroom shrank
Read more: Gilt yields and the 28 October Budget: how the Chancellor’s fiscal headroom shrankIn September 2026 the UK sold 30-year gilts at a yield of 5.8168%, and public borrowing ran £8.1bn over forecast. Both eat into the Chancellor’s fiscal headroom before the Budget on 28 October. Where the numbers come from and what they mean for mortgages, annuities, savings and gilt buyers.
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Financial Ombudsman changes on 1 October 2026: new grounds to dismiss your complaint
Read more: Financial Ombudsman changes on 1 October 2026: new grounds to dismiss your complaintFrom 1 October 2026 the Financial Ombudsman can dismiss a complaint unexamined on a longer list of grounds. What changes, what does not, and why the day you refer your complaint decides which rules apply.
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The September 2026 mortgage repricing: every lender that has raised, and when
Read more: The September 2026 mortgage repricing: every lender that has raised, and whenSeven lenders raised fixed mortgage rates over the weekend of 4 and 7 September 2026, then ten more followed in the three working days after. A running record of who moved, when, and by how much.
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UK inflation rose to 2.9% in July. The number the Bank of England watches went the other way.
Read more: UK inflation rose to 2.9% in July. The number the Bank of England watches went the other way.UK CPI rose to 2.9% in the 12 months to July 2026, but core inflation did not move and services inflation fell. The rise sits entirely in what core excludes, and the ONS attributes it to the energy price cap.
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Buy Now Pay Later, one month on: what actually changed on 15 July
Read more: Buy Now Pay Later, one month on: what actually changed on 15 JulyBuy Now Pay Later came under FCA regulation on 15 July 2026. A month on, the picture is clearer than it was, and in three places it is different from what the pre-launch coverage suggested. Section 75 protection is confirmed rather than hedged. Ombudsman access depends on when you took the agreement out, not when…
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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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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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The 22% ISA Cash Charge from April 2027: What It Means for Investment-ISA Savers
Read more: The 22% ISA Cash Charge from April 2027: What It Means for Investment-ISA SaversFrom 6 April 2027 a flat 22% charge applies to interest earned on uninvested cash held inside a stocks and shares ISA or innovative finance ISA. It closes the workaround of using an investment ISA as a tax-free cash account, and it sits alongside the £12,000 cash ISA cap as the second anti-circumvention rule in…
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UK Bond Consolidated Tape 2026: What the New Real-Time Tape Means for Investors
Read more: UK Bond Consolidated Tape 2026: What the New Real-Time Tape Means for InvestorsOn 22 June 2026 the FCA switched on the UK’s first real-time consolidated tape for bonds. Here is what it is, why it took so long, and what it changes for ordinary gilt and bond-fund investors.
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