Labour will pay for £5,000 stamp-duty holiday for first time-buyers with landlord crackdown on tax avoidance

Labour will pay for first-time buyer stamp-duty holiday with new curbs on landlords

A three-year stamp duty holiday for first-time buyers would let them off paying the tax on homes up that value, potentially saving them £5,000. Labour said it's policy would cost £225million, which it says would be found through a series of tax-related measures.including tackling tax avoidance by landlords, which HMRC has calculated costs more than £550million each year.

Households' confidence about their finances soars to four-year high thanks to rising disposable incomes and affordable mortgages 

People are feeling more positive about their personal finances, the economy in general, the employment market and levels of disposable income, said Lloyds.

Drivers warned to beware of tax disc scam as fraudsters take advantage of confusion over new rules 

Drivers beware tax disc scam as fraudsters profit from rule confusion

The email claims to be from the Driver and Vehicle Licensing Agency and using this purported authority to trick drivers into providing their bank details for a 'refund'. The warning comes amid increasing confusion surrounding the new car tax rules, which have already seen tax discs ditched and will soon mark the end of the paper counterpart of driving licences.

A bond that's worth a try? Wasps rugby club offers retail bond that will pay 6.5%

The rugby club will offer fans and investors between £25million and £35million of seven-year bonds paying 6.5 per cent per year.

Cameron to make economy central issue for end of election campaign with latest growth figures due tomorrow

Alan Clarke, an economist at Scotiabank, predicted that the Office for National Statistics will report growth of just 0.4 per cent for the first quarter of 2015.

Labour's new housing pledges send shares in UK's biggest homebuilders tumbling 

Labour leader Ed Miliband, who has claimed the "abject failure" of the Government's economic policies has cost the Exchequer tens of billions of pounds in lost revenues. 
The Labour leader released figures from the independent House of Commons Library which, it said, showed that lower- than-expected tax receipts and ballooning social security payments had cost £116.5 billion over the course of the parliament. 

PRESS ASSOCIATION Photo. Issue date: Sunday November 30, 2014. 
See PA story POLITICS Labour Miliband. Photo credit should read: Danny Lawson/PA Wire

Nearly £200million has been wiped off the value of Taylor Wimpey, Barratt Developments and Persimmon.

Cold snap boosts British Gas profits but performance has done little to help owner Centrica as outlook remains bleak

The blue chip company said average British Gas residential gas consumption was 10 per cent higher year on year, while average electricity consumption was 2 per cent up.





FTSE CLOSE: Footsie hits new trading record of 7,122.74; markets rally after Greece sidelines controversial minister Varoufakis

FTSE CLOSE: Footsie hits new trading record of 7,122.74

The FTSE 100 closed up 33.28 points at 7103.98 - after hitting a new all-time trading high of 7,122.74 earlier in the session. Markets rallied across Europe after Athens apparently demoted colourful finance minister Yanis Varoufakis in debt negotiations, sparking optimism a deal to avoid default can now be struck. In London, shares in HSBC and Standard Chartered were buoyant on speculation they will quit the UK and move to more tax and regulation-friendly climes.

UK government could step in to stop a BP takeover as rumours swirl off possible US interest in wake of Shell deal for BG Group

BP became the target of takeover rumours following Royal Dutch Shell's £47billion move to buy blue chip rival BG Group earlier this month.

Slowdown in factory orders adds to expectations of weaker UK economic growth as exports remain sluggish

Production of TX4 London Taxi at The London Taxi Company, as the London cab is to make an appearance Down Under - but coloured white rather than the traditional black in Coventry, England.
The London Taxi Company has exported a test sample of 98 TX4 taxis to the Western Australian city of Perth where they will undergo trials.

Embargoed to 0001 Monday October 7.
File photo dated 11/09/13 of the PRESS ASSOCIATION Photo. Issue date: Monday October 7, 2013. PA story TRANSPORT Cabs. Photo credit should read: Rui Vieira/PA Wire

The balance of total new orders slowed to +13 in April from +20 in January, dragged down by sluggish exports, the CBI said.

Combined profits at Tesco, Sainsbury's and Morrisons fall by £2.5bn - and is set to shrink further as shoppers cut back 


The combined profit of the big three UK-listed supermarkets is expected to shrink to less than £1billion over the coming year, according to some City analysts.

SMALL CAP SHARE IDEAS: Year of consolidation pays off for cloud computing firm Nasstar

A stock photo of Business Executives working on laptops in an office


Judging from the figures, each unit is firing on all cylinders. The top performer was, part of Denara Holdings, which was reversed into Nasstar in January 2014

Go-ahead for oil field development off the coast of Ghana boosts shares in Tullow Oil to five month high

A weekend ruling by an international maritime tribunal has cleared the way for Tullow's TEN oil field project. But the court also ruled that there can be no new drilling in the disputed area.

The four key steps to mortgage success: How to secure a home loan this spring as affordability rules are relaxed

The four key steps to mortgage success: How to secure a home loan this spring as

There are signs of a thaw in the market this spring. Some of the toughest affordability requirements are being relaxed and mortgage rates are falling - so applicants who play their cards right now could be on the first rung of the housing ladder by the summer. Here are the four key steps to mortgage success. Carli Burke took advice to rebuild her credit record

Lawnmowers...cutting edge or classic? We reveal five of the best new machines

Lawnmowers...cutting edge or classic? We reveal five of the best new machines

Experts warn that before visiting your local gardening centre to pick up the latest mower you should consider other solutions. Brian Radam, author of the authoritative Haynes Lawnmower Manual, says: 'A lawnmower has a cylinder with blades and a roller attached that allows for a cleanly cut, formal finish.'

Five ways to make your loyalty pay as banks and insurance companies are joining the rewards scheme bandwagon

Five ways to make your loyalty pay as banks and insurance firms launch rewards schemes

Supermarkets and retailers dominate when it comes to rewarding customer loyalty. But banks and insurance companies are now waking up to the challenge. Here, Sally Hamilton uncovers the financial companies trying hardest to keep you - and how you can cash in on recommending the best of them to friends. Paula Uria enjoys a hot drink at her insurer's expense

Former 'NatWest Three' banker: 'Hound of Hounslow' forced to play odds in the US justice system

Who over the last few days has not been fascinated by the story of the day trader from Hounslow who allegedly caused one of the largest stock indices in the world to fall by 10 per cent in minutes.

EU chiefs brand Greek finance minister 'a time-waster, a gambler and an amateur' amid warnings that Grexit is now a 'serious option'

epa04718856 Greek Finance Minister Yanis Varoufakis speaks during the press conference of the Informal Meeting of Ministers for Economic and Financial Affairs (ECOFIN) in Riga, Latvia, 24 April 2015.  EPA/VALDA KALNINA

In private talks that were described as a 'hammering' for Greece in the Latvian capital of Riga, eurozone finance ministers hurled abuse at Varoufakis, pictured.

My golden years: Rowing champion Matthew Pinsent on how he went from dividing 20p a week to making five-figure sponsor money

My golden years: Rowing champion Matthew Pinsent on how he went from dividing 20p a week

Sir Matthew Pinsent is a four-times Olympic gold medallist in rowing and is currently a BBC sports presenter. Here, in our occasional series on stars and their money, he explains how he went from learning to divide the 20p a week he received as pocket money between comics and sweets, to being paid five-figure sums for a day filming TV commercials.

MIDAS SHARE TIPS: Software group WANdisco's party could be about to start as notable clients join line-up

MIDAS SHARE TIPS: Software group WANdisco's party could be about to start as notable

A company of great promise, it has so far failed to deliver on high hopes, there is no profit and the stock has slumped. But while the shares have plunged close to all-time lows, those hopes are still alive, so the shares could be a buy for those prepared to take a significant risk in the hope of good returns. The story of WANdisco, which is based in Sheffield and California's Silicon Valley, goes back to the turn of the millennium.

ALLIANCE TRUST: Can Dennis the Menace save Alliance's Katherine the Great?

Katherine Garrett -Cox Chief Executive Alliance Trust PLC

Investors in the £2.9billion fund, managed from Dundee, will on Wednesday decide if the trust's board should be infused with new blood.

SUNDAY NEWSPAPER SHARE TIPS: WPP, Asos, Advanced Oncotherapy, WANDisco

Financial research stock-market. Image shot 2001. 
Magnifying glass over share prices
Exact date unknown.

Every week we round up the Sunday newspaper share tips. This week, software firm WANDisco, cancer treatment company Advanced Oncotherapy, advertising giant WPP and online clothing store Asos.

SIMON WATKINS: Inquiry into supermarkets' discounting is not worth a bean

SIMON WATKINS: Inquiry into supermarkets' discounting practices is not worth a bean

Now don't get me wrong. The supermarkets are not saints and have long been masters at using smoke and mirrors on the shelf. However, while I do worry about whether some people are sophisticated enough to avoid being ripped off by sharp financiers over pensions, I am not too worried about whether they can be trusted to buy a couple of tins of baked beans without a public inquiry.

JEFF PRESTRIDGE: Protection insurance should form part of most families' financial armoury

JEFF PRESTRIDGE: Protection insurance should form part of most families' financial armoury

My interest in the Clarkes stems from the fact that they are guinea pigs in an experiment called Seven Families. Backed by charity Disability Rights UK and financially supported by leading insurance companies, the objective of Seven Families is three-fold.

Fed up with your unripe avocado? At last, there's someone to complain to as new ombudsman service is launched

Fed up with your unripe avocado? At last, there's someone to complain to as new ombudsman

Ombudsman Services, the organisation behind ombudsmen overseeing the energy and communications sectors, says it already has several large retailers poised to sign up. It has been in talks with the British Retail Consortium - the trade body for the industry - and has also been discussing the details of its plan with several large retailers including Home Retail Group, which owns Argos, Homebase and Habitat.

Are UK supermarket shares now a bargain? Funds still stocking up on Britain's grocers - and stress that in the long haul it may pay

Are UK supermarket shares now a bargain?

Fund managers and brokers continue to put the case for keeping your money invested in the nation's grocers - and stress that in the long haul it may pay off. Richard Buxton, who runs Old Mutual's UK Alpha fund, has bought just one stock this year: Tesco. He originally sold the shares in 2010 at £4.25 and recently bought them back at £1.75. He says: 'It's going to be a long haul but the new chief executive Dave Lewis is doing all the right things.'

A yawning reality gap: Young people expect to retire with £95,000 pension pot - but most haven't started saving yet

Men aged 18-25 are more optimistic about what they will retire on, setting their sights on an average retirement pot of £111,000, while women expect to save £82,000.

Annuity firms slash rates to worst level EVER as pension freedom causes slump in purchases of retirement income product

Annuity rates have collapsed to all-time lows within weeks of pension freedom reforms, which removed the need to buy the unpopular products to provide an income for life.

Do cheap funds outperform more expensive ones? Tracker fund provider claims active managers mostly underperform

Vanguard claims cheap investment funds outshine high cost ones

Its study of 6,500 funds available in the UK found that if they are split in half between high and low cost, the cheaper ones outperformed in 10 out of 12 investment categories in the past decade. Some but not all of the cheaper funds in Vanguard's analysis were 'passive' trackers - which simply duplicate an investment index, rather than try to outperform it. But the company says it findings align with separate research it has done showing high costs are the reason why most 'active' funds - the more expensive kind run by managers trying to beat a market - have lagged their benchmarks over five, 10 and 15 years.

'Gain a lot, save a lot and GIVE a lot': Top financiers Paul Marshall and Tom Hughes-Hallett set up London academy for philanthropy

Paul Marshall and Tom Hughes-Hallett set up The Marshall Institute at LSE

It's a paraphrase of Wesley's sermon on the good life, and Marshall appears to be sticking to it. His earnings are clearly a lot, but he has also just endowed a new faculty at the London School of Economics - The Marshall Institute - with a cheque for £30million.The Institute - which will conduct research into the field of philanthropy - is the brainchild of Marshall and Sir Tom Hughes-Hallett, a former investment banker turned philanthropist and charity executive.

Earnings slide at BP and Royal Dutch Shell as oil giants slash spending 

The price of oil is still well below last summer's highs of $115 a barrel at around $65 and BP and Shell will be forced into further cuts and sell-offs, experts have warned.

Mobile operator EE says it is 'firmly' on track to reach its target for 14 million 4G customers - but revenues fall 

General view during the 4G EE launch at Manchester's Market Street Store. 

A new era for mobile phone use begins today as superfast 4G products and services are made available to millions of consumers in 11 cities across the UK. 

PRESS ASSOCIATION Photo. Picture date: Tuesday, October 30, 2012. EE, formerly known as Everything Everywhere, will launch its range of 4G products and services in London, Bristol, Birmingham, Cardiff, Leeds, Sheffield, Edinburgh, Glasgow, Liverpool, Southampton and Manchester. See PA story CITY Mobile. Photo credit should read: Jon Super/PA Wire

EE, which is being sold to BT Group in a £12.5billion mega-deal, said the effects of regulatory cuts saw its operating revenues fall 1.1 per cent to £1.469million in the three months to the end of March.

Labour pose greatest threat to wealth creation, says leading industrialist 

Sir Nigel Rudd, one of Britain's leading industrialists, said 'a profoundly socialist' Labour administration propped up by the Scottish National Party could derail the recovery.

Shell takes a hit of £3.2bn amid weak oil price as UK companies' profit warnings rise

Shell takes hit of £3.2bn as UK companies' profit warnings go up

The Anglo-Dutch oil giant, which has tabled a £46billion cash-and-shares deal to buy British gas explorer BG Group, is poised to report profits falling to £1.6billion from £4.8billion for the same period last year. The falling oil price has contributed to a rise in the number of firms issuing profit warnings, according to accountancy giant EY.

Former board director at Guardian publisher John Myers tried to dodge massive tax bill

John Myers, Chief Executive of GMG Radio.  © Nick Ray / eyevine  Contact eyevine for more information about using this image: T: +44 (0) 20 8709 8709 E:  http:///

John Myers, who ran Guardian Media Group's radio business until 2008, employed a scheme put together by NT Advisors.

US regulators could 'scupper' move by HSBC to Hong Kong over assets of £190bn

HSBC's headquarters are pictured in the Canary Wharf financial district of London. HSBC launched a 12.5 billion pound ($17.7 billion) rights issue on Monday to shore up its balance sheet after annual profit more than halved and as bad debts soared in the United States.  Despite plunging profits, five of their highest-paid bankers have received £32.4 million in bonuses last year.
REUTERS/Andrew Winning    (BRITAIN)X00802

Senior lawyers and accountants said the US would try to block such a move out of concern over Chinese influence on the bank as it has major US operations.

Vinyl comes full circle as Queen backs hi-fi maker Rega Research with Award for Enterprise 

Vinyl comes full circle as Queen backs hi-fi maker Rega Research

Rega Research of Southend-on-Sea features on a list of 141 firms due to receive the award at Buckingham Palace in July. At the same time it emerged that HMV's physical music sales - vinyl and CDs - rose 12 per cent to £9.8million in the three months to mid-March. This helped the store regain its title as Britain's top music retailer from Amazon, and comes just two years after HMV was brought out of administration.

One in ten of the UK's wealthiest over-55s are thinking of drawing on pension funds to start a business, finds study

Pension investment firm Axa Wealth predicted that more than half a million 'later-life entrepreneurs' could shun retirement in favour of starting up a firm or going into consultancy.

EU set to back down on controversial online sales VAT rules in bid to reduce burden on small firms

BMEN2H Young woman using a laptop computer on a wireless network to shop online at home.

From January this year, businesses selling digital products - such as ebooks and even knitting patterns - online have been required to charge VAT at local rates when they sell on the Continent.

Ocado signs deal with drinks producer Jax Coco as celebrities go nuts about coconuts

Ocado signs deal with drinks producer Jax Coco as celebrities go nuts about coconuts

Coconut water brand Jax Coco, drunk by celebrities such as Cara Delevingne, Stella McCartney, Sienna Miller and David Walliams, has secured a deal with Ocado, marking its first UK-wide listing. The company was founded by former hedge fund trader and mother-of-five Jane Gottschalk and her husband Max, with Hong Kong entrepreneur Alex Ing and his son Jason.

Solar mini-bond offers the chance to do some daylight saving with a 6% annual return - but is that enough for the risk?

Solar mini-bond offers 6% annual return

The Big60Milllion mini-bond, is hoping to raise £20.4million to refinance three fully operational solar farms. It could also help investors offset their electricity bill, but it is important to understand the risks. Open until 27 May, the minimum investment is £60 for a unit.

More people decide to switch as 1.1m bank customers transferred to a new account provider over the last year

E04JE1 Row of retail banks, High Street, Staines-upon-Thames, Surrey, England, United Kingdom. Image shot 2014. Exact date unknown.

In the year to the end of March more than 1.1million people transferred to a new bank, an increase of 80,000 on the year before.

'Someone drove into my car and now MY premiums have gone up': Drivers' insurance costs soar after accidents that weren't their fault - even if they don't make a claim

How drivers see their insurance costs soar after no-fault accidents even if they don't

The policy means thousands of cautious drivers end up paying for the mistakes of other more careless drivers through hiked car insurance premiums. Drivers complain of being penalised for their honesty - after all if they don't tell their insurer they might never find out and their premiums remain unaffected.

The small deposit mortgages with a £1k sweetener, could you save money with Clydesdale and Yorkshire's home loan?

The lenders are offering a fee free range complemented by £1,000 back. The rates on offer are by no means the lowest, but could the cashback make them worthwhile?

Top ten holiday home hotspots revealed: Cornwall is favourite - and 165,000 UK households own second property for leisure

Top ten holiday home hotspots revealed - and Cornwall is top

Of all properties in Cornwall, 6.2 per cent - some 10,169 - are used solely as holiday homes, research from Direct Line shows. Also in the top three are Gwynedd, in Wales, and North Norfolk. Supporters see the increase in second homeowners as bringing money and business into areas, while critics say second home-ownership has driven up house prices.

Number of homeowners who believe year ahead will be a good time to sell hits a four-year high as house price confidence grows

More people could be tempted into putting their homes up for sale in the coming months amid strong expectations values will continue to rise, a confidence survey shows.

Transport for London boss attacks commuter trains into the capital as 's***', like the 'wild west' and with Gestapo-like inspectors

Transport for London commissioner Peter Hendy photographed in the control room 26 January 2012.
Ph: Rebecca Reid
**Commissioned for use in the Evening Standard only.  For all other publications a fee will be applicable.** Sir Peter Hendy was knighted January 2013

In a Management Today interview, Sir Peter Hendy picked out Southeastern and South West Trains for special treatment in a rant that will be music to many commuters' ears.

SIMON LAMBERT: Eight simple but important lessons about money

Eight simple but important lessons about money

From banks to credit card firms, fund managers and shops, there are a lot of smart people whose job it is to try and take your cash off you. Learning more about money is a good way to keep hold of it and make more of it. Here are some simple but important things I'd teach people about money. What would you suggest?

'Clocking' plague stages a comeback in the second-hand car market as drivers try to hide excess mileage on car deals

Tampering with the mileage on second-hand cars is back for the first time in years and motors reaching three years old are most likely to be hit.

Cost of renting rises across the UK and London tops the league with biggest increase in last year

Couple looking in an estate agent's window; posed by models.

London as usual saw the biggest increase, with rents 3.2 per cent higher than they were last year - or £16 more expensive if we consider a £500 rent.

The flash crash has been blamed on a Hounslow trader, but Michael Lewis says it's high frequency traders we need to beware

Michael Lewis says it's high frequency traders we need to watch

The 'flash trading' scandal is a result of the 'culture of greed' on Wall Street, says the author who uncovered the story. And Michael Lewis says there will be more scandals unless there is 'fundamental change' in the way bankers are rewarded. Lewis is no academic economist. He was a successful trader on Wall Street and in the City before he wrote 'Liar's Poker' in 1989 - the classic insider's account of the 80s boom.

IFS says giving housing association tenants Right-to-Buy their home could 'harm public finances and reduce social housing'

Cricklewood housing district - aerial photograph

The IFS said that forcing local authorities to sell-off their most expensive properties, with the proceeds used to compensate Right-to-Buy tenants. would ultimately cost the taxpayer.

Halifax and Santander win waves of new current account customers while Barclays is clearest loser, switching data shows

There was a seven per cent increase in the number of people choosing to switch current account in the last 12 months, according to data published today.

Would you buy a home under the hammer? How to invest in property at auction - or even get on the housing ladder

How to invest in buy-to-let or get on the property ladder at auction

Record numbers of buyers are turning to property auctions where as long as you can finance a winning bid you can lock in a property purchase within minutes. But you need to brave and sometimes willing to enter a bidding war to secure your dream property, so is it worth buying a home under the hammer?

Paragon Bank fires to top of best buy tables after upping rate on two of its fixed-rate savings accounts

New challenger bank Paragon has fired to the top of the independent This is Money savings tables after upping the rate on two of its fixed-rate offerings.

Plucky motorist loses parking fine battle in court but RAC says days of 'sky-high charges' from private firms are numbered

A chip shop owner says he is 'absolutely furious' after losing his landmark legal bid to sweep away 'rip-off' parking charges. He was fined £85 for overstaying by 56 minutes in a retail car park.

LEE BOYCE: Is Tesco the next Woolworths: jack of all trades and master of none?

LEE BOYCE: Is Tesco the next Woolworths: jack of all trades and master of none?

If Tesco is not careful, it could become the next Woolworths. Beloved Woolies was also once a British staple, which seemed like would never disappear. Tesco is trying to be a one-stop shop for everything. Electricals, clothing, mobile phones, banking - the majority just want to go in for their weekly food shop. It could be its downfall.

How saving works: Your essential guide to building up a nest egg

How saving works: Your essential guide to building up a nest egg

There are many good reasons for saving. A rainy day fund can give you protection against unexpected bills or losing your job. Tapping into your savings is also the key to many of life's major events, such as buying a car, getting married or buying a home. The good news is that once you decide to get that saving habit there are ways to make it work even better.

'We are the Guy Fawkes of brewing': Craft beer pioneers BrewDog snub the City with world record £25m crowdfunding bid

Craft beer BrewDog snubs City with world record £25m crowdfunding bid

The Aberdeenshire based company, which takes pride in its anti-establishment image, wants to raise the cash by offering 526,316 shares to the public through its 'Equity for Punks' scheme. The minimum investment in this latest round is £95 for two shares. BrewDog's management has made no secret of its contempt for banks and financial institutions and today it reiterated its stance. Chief executive, James Watt, said 'We are not Rockefeller. We are Guy Fawkes. We are burning the established system.'

Rents have outpaced inflation since last general election - but have grown at just half the rate of house prices 

Rental costs in England and Wales have risen 15.2 per cent since the last general election - a pace faster than the rate of inflation, a monthly index shows.

Record low buy-to-let rates slip away but landlords investing pension freedom cash can still get a cheap fix

The opportunity to lock into a cheap fixed rate mortgage remains for the influx of property investors expected to take advantage of their pensions freedom cash.

As more music fans turn the tables in the vinyl revival...  here's the ten most valuable records in the world 

We reveal the ten most valuable records in the world

With interest in vinyl records on the rise, the long-standing market for collectible records is being given a new lease of life. The renewed interest will prompt many to question whether the records clogging up attics, boot fairs or lounge are worth anything. Is there a rare gem lurking in your collection - and what are the most valuable vinyl records?

50 ways to save money: Simple steps to cut what you spend that could clear your debts or seriously boost your savings

50 ways to save money....

To clear the average national household debt of £13,000 at 6% interest with a monthly repayment of £100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

How to choose the best (and cheapest) DIY investing Isa - and our pick of the platforms

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

Revealed: The world's cheapest and most expensive stock markets - and where the UK stands

spt_Cape 3.JPG

We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.

INVESTING TIPS: Fund and trust ideas for beginner and cautious investors

Starting out: Fund tips for beginner or cautious investors

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

INVESTING TIPS: Top fund and trust ideas for income investors

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

INVESTING TIPS: Top fund and trust ideas for emerging markets

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

When will interest rates rise? UK narrowly avoids deflation as 'noflation' sticks instead

When will UK interest rates rise?

The UK economy failed to post expected deflation as CPI instead stayed flat for the second month in a row, according to new official figures. That left the outlook for rates firmly unchanged, with a first move still expected upwards in spring 2016.

Our savings picks: This is Money's five favourite best buy cash Isas for 2015

"No smoking" sign on a wall --- Image by © Christopher Stevenson/Corbis

We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year

What next for house prices? Buyers offered a chance to negotiate and save money as sellers cut asking prices


The traditional pre-Christmas drop in asking prices has been far more pronounced than usual, according to Rightmove. We look at the outlook for house prices.

Looking for a better bank? This is Money's five of the best current accounts

Best five: which current accounts offer the best perks?

How hard does your bank account work for you? Here's our pick of the best accounts to make your money work harder, cut down on fees, or get free stuff.

What next for mortgage rates? Fixed rates tumble to as low as 1.29% as lenders keep on cutting

Lock in a five-year fix now: The bank rate could rise as early as next year, which would send mortgage rates up

Homeowners can fix for two years at just 1.29 per cent and up to ten years at less than 3 per cent. We highlight the best mortgage deals and look at whether it is time to fix.

Ten tips for buy-to-let: the essential advice for property investors

Ten tips for buy-to-let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

Best paid UK jobs 2014: Compare your pay to the national average in the league table of salaries across 350 trades and professions

Best paid UK jobs 2014 Compare your pay to the national average

The influence of financial services on the economy is spelled out again as City brokers steal top spot in this year's official list of highest earners. According to the detailed 2014 annual salaries survey, brokers pocketed around 40 times more this year than those at the bottom of the list - the people responsible for keeping children safe on the way to school. Lollipop crossing patrols earned around £3,400.


Do you think you will be better off in a year's time?

Do you think you will be better off in a year's time?

  • Yes - I will be better off 261 votes
  • No - I will be worse off 237 votes
  • I will be in the same position 218 votes

Now share your opinion


Premium Bonds winners

April 2015
Prize value Winning bond No. Area
£1,000,000 55DM417553 Wiltshire
£1,000,000 115SG511998 Suffolk
£100,000 80MH293690 Devon
£100,000 5ZX425829 Devon
£100,000 2VQ611480 Surrey
£100,000 231CK511061 Birmingham
£50,000 53KX083995 Nottinghamshire
£50,000 35VF197037 West Midlands
£50,000 240RM142522 West Midlands
£50,000 185NT214902 Birmingham
£50,000 168WQ372604 South Gloucestershire
More Premium Bonds winners


Which stealth charge do you hate the most?

Which stealth charge do you hate the most?

  • Unreasonable parking charges 105 votes
  • ATM cash withdrawal fee 68 votes
  • Debit/credit card booking fee 88 votes
  • Charge to use public toilet 59 votes
  • Compulsory tipping 143 votes
  • Booking fees on gig tickets 39 votes
  • Bank overdraft fees 27 votes
  • Passport renewal fee 95 votes
  • Mobile phone roaming charges 52 votes
  • Charge for amending policy details 53 votes

Now share your opinion



Tourist rates

Currency Rate Buy now
Updated 27 Apr 2015.
Euro 1.3676 Buy Now
US Dollar 1.4879 Buy Now
Australian Dollar 1.8862 Buy Now
Canadian Dollar 1.8025 Buy Now
Chinese Yuan 9.0245 Buy Now
Croatian Kuna 10.242 Buy Now
Czech Koruna 37.13 Buy Now
Danish Krone 10.084 Buy Now
Egyptian Pound 10.898 Buy Now
Hong Kong Dollar 11.416 Buy Now
Hungarian Forint 406.54 Buy Now
Japanese Yen 176.59 Buy Now
Malaysian Ringgit 5.1906 Buy Now
New Zealand Dollar 1.94 Buy Now
Norwegian Krone 11.426 Buy Now
Polish Zloty 5.4256 Buy Now
Singapore Dollar 1.9649 Buy Now
South African Rand 17.86 Buy Now
Sterling 1.0 Buy Now
Swedish Krona 12.658 Buy Now
Swiss Franc 1.4105 Buy Now
Thai Baht 47.582 Buy Now
UAE Dirham 5.4242 Buy Now

Long-term savings

Monthly savings plan

Find out how much a regular monthly savings scheme could make me.

Or lump sum investments

Calculate how much a lump sum investment could be worth.


Mortgage Affordability Calculator

Your monthly payment

Enter how much you plan to borrow and find out your monthly bill. Assumes interest calculated annually.

Your total mortgage

Enter the amount you can afford to pay monthly (eg. your current rent) to find out how much you can borrow...

Are you over-stretching

How much of your income goes on your mortgage?



Cheapest broadband

Search for the best providers in your area


Cheapest insurance

Compare thousands of policies

Energy bills

Energy bills

You could save £££s on your energy bills. Find out in seconds

Credit check

What does your credit rating reveal?

Get a FREE trial credit check today to see what the financial services industry can see about you



Extended warranties

Get cheaper cover on

Car insurance

Cheaper car insurance

Compare more than 100 insurers in less than five minutes



Best mortgages

See today's latest mortgage rates and get a free consultation with an adviser


Home insurance

Cheaper home insurance

Compare home insurance quotes from 75+ companies