🇬🇧 United Kingdom
UK Personal Finance
Guides
ISAs, pensions, HMRC crypto rules, stamp duty, mortgages, and insurance — everything UK residents need to know.
Key Regulations for UK Residents
What every UK resident must know about savings, tax, pensions, and crypto.
ISA Tax-Free Savings
You can save up to £20,000 per year across ISAs (Cash, Stocks & Shares, Lifetime, Innovative Finance). All interest, dividends, and gains within an ISA are completely tax-free.
HMRC Crypto Rules
HMRC treats crypto as capital assets, not currency. Gains are subject to Capital Gains Tax (18-24%). If you receive crypto as payment, it's taxed as income. You must report gains via Self Assessment.
Auto-Enrolment Pensions
All UK employers must auto-enrol eligible workers into a workplace pension. Minimum total contribution is 8% (3% employer + 5% employee). Opting out means losing the employer contribution.
Stamp Duty Land Tax
First-time buyers pay no SDLT on the first £300,000 (properties up to £500,000). Rates increase from 0-12% on amounts above £250,000. Use our stamp duty calculator for exact figures.
Explore by Topic
Financial guides tailored for UK residents.
ISAs & Savings
Cash ISAs, stocks & shares ISAs,Lifetime ISAs
Learn more →Pensions
State pension, workplace pensions, SIPPs
Learn more →Tax & HMRC
Income tax, capital gains, self assessment
Learn more →Mortgages
Rates, affordability, first-time buyers, stamp duty
Learn more →Crypto (UK)
HMRC rules, reporting, FCA-regulated exchanges
Learn more →Insurance
Buildings, contents, life, health, motor
Learn more →Featured UK Articles
Most relevant guides for UK residents.
Crypto Tax Phishing: Spotting Fake HMRC Tax Demands
Scammers send fake tax demands asking for crypto. Here's how to spot them and what to do.
Portfolio Rebalancing Strategies: Rebalance Without Selling
Rebalance without triggering unnecessary tax bills — use new contributions, dividend redirection, and band-based or calendar methods to keep your portfolio on target while minimising costs.
Tax-Loss Harvesting for Stocks and ETFs: A Complete Guide
Tax-loss harvesting explained for UK and US investors — how to offset capital gains with losses, wash-sale and 30-day rules, worked examples, and when to skip it.
Mortgage Protection Insurance: Covering Your Home Loan
Mortgage protection insurance pays your mortgage if you can't work. Here's the different types and how to choose.
Crypto Tax for Non-UK Residents: What Changes When You Move Abroad
Moving abroad changes your crypto tax status. Here's how splitting the tax year, domicile, and residency affect your liability.
NFT Tax UK: How HMRC Taxes Buying, Selling, and Creating NFTs
NFTs are treated as assets by HMRC. Here's how the tax rules apply to collectors, creators, and traders.
UK ISA Types Compared
Choose the right ISA for your savings goals.
| ISA Type | 2025/26 Limit | Best For | Key Feature |
|---|---|---|---|
| Cash ISA | £20,000 | Safe savings | Guaranteed interest, no market risk |
| Stocks & Shares ISA | £20,000 | Long-term growth | Invest in funds, shares, bonds tax-free |
| Lifetime ISA (LISA) | £4,000 | First home / retirement | 25% government bonus (max £1,000/year) |
| Innovative Finance ISA | £20,000 | Peer-to-peer lending | Tax-free interest from P2P loans |
| Junior ISA | £9,000 | Children under 18 | Locked until child turns 18 |
UK Finance Tools
Free calculators for UK-specific financial planning.