Winners and losers from George Osborne's big reforms of inheritance tax, minimum wage and pensions

BUDGET 2015: Winners and losers from George Osborne's big reforms of inheritance tax,

Wednesday's Budget rolled out big reforms - of inheritance tax, the minimum wage and pensions. In this must-read special report, The Mail on Sunday's awardwinning personal finance team identifies the winners and losers from the Budget, and shows how you can benefit.

German finance minister rolls up for Greek crisis summit determined to scupper Athens' EU dream as he demands they are temporarily expelled from euro 

The Berlin delegate in the European Parliament are said to be unsatisfied by proposals put forward by Greek Prime Minister Alexis Tsipras (pictured) as he desperately tries to reach a fresh bailout deal.

I do ... want a low price wedding: From tying the knot abroad to earning cashback on spending, here's how you can cut your wedding bill - as well as the cake 

I do ... want a low price wedding: From tying the knot abroad to earning cashback on

Everyone loves a wedding but most couples are less enamoured of the cost - £27,364 on average, according to a recent survey by Brides magazine. So when Victoria and Rhys Leyton-Davies decided to get married they had one overwhelming aim: to avoid wedding day debt blighting the early years of their marriage.

JEFF PRESTRIDGE: Get saving while you can - before your pension pot is raided

Meddle. It's what all Chancellors love to do with our pensions - those pots of money built by hard working people making sacrifices today to fund an adequate standard of living in our later years.

Speak emoji - but make sure you are not charged extra to avoid feeling :-(

fmos3 GettyImages-492445739 [Converted].jpg

Some handsets turn text messages that contain an emoji symbol into a multi-media message, which can cost 40p to send.

TONY HETHERINGTON: RBS can't erase its loan disgrace with paltry £350 offer

FILE - In this Friday, Aug. 3, 2012 file photo, a woman walks by an office of Royal Bank of Scotland (RBS) in the City of London.  U.S. and U.K. authorities fined the Royal Bank of Scotland more than $610 million Wednesday for its role in the manipulation of a key global interest rate ó with the bank pledging to make the rate-riggers and their managers foot the bill. (AP Photo/Sang Tan, File)

My husband met a representative from RBS who assured him we needed a current account mortgage. We switched to this in 2004, but it quickly became apparent it was not a good idea.

Seize power! How to cut your energy bills by switching your supplier 

fmos3 CLIVE MESSENGER, who uses his hybrid car to commute to work at minimal cost.  Recharging the electric battery from a plug on the side of his house costs c.£1 which allows him to commute without using any petrol in his Mitsubishi Outlander.
Cirencester, Glouscestershire.
8-7-2015 ©Pic by Ian McIlgorm 2015

Energy customers are paying too much for their gas and electricity and should switch provider regularly, according to the Competition and Markets Authority.





MIDAS SHARE TIPS: In tune for profits - from a 99p kazoo to costly pianos... Gear4music aims to turn up volume as sales to Continent soar by 87%

MIDAS SHARE TIPS: In tune for profits - from a 99p kazoo to costly pianos... Gear4music

If you want to buy a book, your first destination would probably be Amazon or Waterstones. Many people wanting to buy bikes would think Halfords, Evans or perhaps specialist website Wiggle. But what if someone wants to buy a musical instrument? This is the gap in the market that pianist and horn player Andrew Wass believes he has spotted and plans to take advantage of with his company, Gear4music. Launched in 2003 in York, it recently floated on AIM and is looking to become an internationally recognised instrument retailer.

£2billion a year: Bosses' bill for apprentice levy...Total for big firms could be larger still if Government cuts its funding

A general view of the 'Gherkin' and Canary Wharf at sunrise in the City of London as confidence in the state of the economy among small and medium-sized businesses is increasing, according to a new report. 
Half believe the economy will improve in 2015, up from a third in a previous poll two years ago, a survey of more than 500 small and medium-sized enterprises (SMEs) showed. Employment and pension regulations, tax compliance, and health and safety were named as the biggest problems for SME bosses. Jason Eatock, of insurance firm Zurich, which conducted the survey, said: "It's clear that regulation is still a major headache for small and medium businesses which may not have the manpower to keep on top of the raft of new legislation." 

PRESS ASSOCIATION Photo. Issue date: Monday February 9, 2015
See PA story INDUSTRY Business. Photo credit should read: Stefan Rousseau/PA Wire

Britain's biggest businesses will need to stump up at least £2billion a year to fund the Government's new apprenticeship levy, industry experts warned this weekend.

Barclays will look outside to replace sacked boss 'Saint Antony'

Barclays chief executive Antony Jenkins poses for the media in London February 12, 2013. Jenkins pledged a fresh course for the British lender on Thursday, axing at least 3,700 jobs and pruning its investment bank as he seeks to rebuild its reputation and boost profitability after a series of scandals.  REUTERS/Stefan Wermuth  (BRITAIN - Tags: BUSINESS EMPLOYMENT)

Barclays has already drawn up a list of possible successors to sacked chief executive Antony Jenkins, with the job expected to go to an outside candidate.

Retailers to receive unseasonal boost this week as Amazon prepares day of Prime time deals

fmos3 No Merchandising. Editorial Use Only. No Book Cover Usage
Mandatory Credit: Photo by Snap Stills/REX Shutterstock (4221575a)
Keira Knightley, Matthew Beard, Matthew Goode, Benedict Cumberbatch, and Allen Leech
The Imitation Game - 2014

Amazon has promised it will launch more offers than it did on Black Friday last year and experts say other retailers could benefit as customers flock to the internet to check out the price cuts.

We're pleased with Britain's pay rise, purrs the bosses' 'Atomic Kitten': Forceful directors' leader delivers a mixed Budget verdict

fmos3 Mandatory Credit: Photo by Jane Mingay/REX Shutterstock (3940875b)
Lady Barbara Judge at her home in central London
Lady Barbara Judge, London, Britain - 02 Feb 2014

She was dubbed the 'Atomic Kitten' by satirical magazine Private Eye, and while there is not much that is cuddly about the ambitious Barbara Judge, she is certainly forceful.

HomeServe boss Richard Harpin lands a £12m dividend despite fine 


The special dividend will be voted on this Friday at the firm's annual meeting when it returns £97million of surplus cash.

MIDAS SHARE TIPS UPDATE: Success tastes sweet for investors in our sugar-free recommendation PureCircle

MIDAS SHARE TIPS UPDATE: Success tastes sweet for investors in our sugar-free

Investing in brand new products or inventions is always a bittersweet game and our tip to invest in sugar substitute maker PureCircle in April 2010 has proved just so. The AIM-listed group has been developing sweeteners derived from a plant called Stevia rebaudiana - a natural product that offers sweetness without the calories. This sounds too good to be true, but the market for goods based on the stevia plant has grown fast and in principle this has proved a good bet and a technological innovation with a future.

Decision time in Greece as eurozone ministers hold crunch talks over new austerity package backed by MPs in last bid to avoid Grexit

Eurozone finance ministers are to examine the proposals this afternoon and decide whether they offer a basis for a new attempt to strike a deal.

SIMON WATKINS: Budget's bank bashing defies logic - extra tax is a cheap shot and Chancellor needs to think again

The announcement of an eight per cent extra tax on banking profits from 2016 makes no sense, either as a measure to improve banking behaviour, or as sensible economic policy.

Number of British property millionaires rises to more than half a million for first time amid soaring prices

Number of British property millionaires rises to more than half a million for first time

The number of people whose home is worth at least £1million has increased by 8.3 per cent to 524,306 compared to last year, with the highest concentration in London and the South East. There are now more than 10,000 streets in the UK where the average property price is more than £1million, with nearly half of them, or 4,735, in the capital, according to Zoopla's property rich list.

A toast to the coast! Holiday or all-year round, homes by the sea that do not cost a fortune

A toast to the coast! Holiday or all-year round, homes by the sea that do not cost a

The height of summer inevitably leads many of us to daydream about a beautiful home on the coast with a classic sea view and the outdoor lifestyle that goes with it. That idyll is simply too expensive for most people these days - or is it? It can be surprisingly affordable to own a home by the sea, says Graham Norwood.

The Diary of a Private Investor: Why I sold an entire holding and bought back into an old favourite

The Diary of a Private Investor: Why I sold an entire holding and bought back into an old

I have raised a little cash in the last month, 5.7 per cent at month end, but confess to being reasonably sanguine about the Greek situation and its likely effect on the UK economy and equity market, writes our investing columnist. This saga has been going on for some time and it is difficult to see things getting much worse and in any case markets have had plenty of time to come to terms with the situation.

Britain's women leading men in rush to become their own boss as number of self-employed females rises sharply

Britain's women leading men in rush to become their own boss as number of self-employed

The number of self-employed women in the UK has risen nearly three times faster - by 28 per cent between 2009 and 2014, compared with just 10 per cent for men. The analysis of Government data by eBay and researcher Development Economics also found that during the same period, self-employment among women in France grew by just 17 per cent and in Italy by five per cent. Meanwhile, in Germany it fell two per cent.

MILLIONS set to skive off to watch Rugby World Cup in autumn

fmos3 DHJ4X2 Twickenham stadium interior - fans at an International rugby game between England and Argentina, london UK

Up to 4.4 million of Britain's workforce of 31million might skip work in the autumn to watch the Rugby World Cup, according to jobs website CV-Library.

Energy firms make £500m in excess profits from small business customers, concludes watchdog

File photo dated 04/09/2006 of a gas hob as the rising cost of utility bills is expected to push the official rate of inflation to a three-year high. PRESS ASSOCIATION Photo. Issue date: Tuesday September 13, 2011. Economists predict the consumer prices index (CPI) measure of inflation for August will rise to 4.6%, up from 4.4% the previous month. That would be its highest level since September 2008 when it hit 5.2%. Scottish Power and British Gas raised their gas tariffs in the month, by 19% and 18% respectively, alongside big increases for electricity, helping to add to the squeeze in household incomes already hit by rising food and fuel costs. See PA story ECONOMY Inflation. Photo credit should read: Rui Vieira/PA Wire

Energy companies are making about £500million in excess profits from their small business customers because of a lack of competition, the Competition & Markets Authority has claimed.

Small and medium-sized enterprises are getting more generous on pensions

Stack of British pound coins, close-up

The number of small firms planning to contribute more than the legal minimum to staff pensions has nearly doubled in the past year.

Summer Budget 2015 income tax changes at a glance: How much better or worse off will you be from next April?

Summer Budget 2015 income tax changes at a glance: How much less will you pay from next

Deloitte has put together tables that show exactly how your tax bill will change according to your income, age, marital status and whether or not you have children.

VIDEO: What will the Budget changes to tax on dividends mean for investors, and how do the income and pension revelations affect you?

Money Worries. Man pilling up coins to illustrate the financial hardships of students.

What do the changes mean for you - and what are the implications? Two of Fidelity Personal Investing's experts, Tom Stevenson and Maike Currie give their verdicts in our video.

Winner or loser: What was in the Budget for you? It's good news for the over 65s and self-employed who will be hundreds of pounds better off but low-income families will be hit hardest

Winner or loser: What was in the Budget for you?

Osborne's new budget will see young workers, families of four and the self-employed all better off. Couples with joint earnings of more than £100,000 will see the biggest benefit with an extra £241 a year while retired people will also be more than £200 better of every year. But the changes are not good news for everyone. Low income families will be hit the hardest. Those families where one parent works earning £20,000 a year will be more than £2,000 worse off as the threshold at which tax credits are withdrawn is cut from £6,420 to £3,850 and benefits are capped at £23,000 in London and £20,000 elsewhere.

Taxpayer won't fund big families: Tax credits will be limited to two children to cut bill that has soared to £30billion

The Chancellor has taken an axe to tax credits in the Budget as part of a radical package of welfare reforms, which will leave many families including the Hathaways, pictured, struggling.

13million families will be left £260 worse off by Osborne's 'take from the poor' raid on welfare, Institute for Fiscal Studies warns

Paul Johnson, director, Institute for Fiscal Studies.

IFS director Paul Johnson said the heaviest burden for making savings from the welfare budget was falling on 'families in work much more than those out of work'.

Interest rates going nowhere as policymakers weigh up the Budget amid global economic turmoil

Interest rates to be left on hold as policymakers weigh Budget plans

The bank rate was left on hold after the summer Budget and a week of market turmoil around the world that saw shares collapse in China. UK interest rates have been held at their historic low of 0.5 per cent since February 2009 and economists seem to agree that a rise will not come until at least next year.

SUMMER BUDGET 2015 IN BRIEF: The key points of George Osborne's speech at a glance

The Chancellor's 'emergency' Budget provided a squeeze for those living on benefits balanced by a commitment to a National Living Wage to get those who can back into work

Boost for first-time buyers as buy-to-let landlords' profits are slashed in crackdown on mortgage interest tax relief

Budget 2015 slashes buy-to-let landlords profits over mortgage interest tax relief

Buy-to-let landlords are facing cuts to the amount of tax relief they can claim on mortgage interest payments from April 2017, George Osborne revealed in the budget today. In a move which will 'level the playing field for homebuyers and investors,' according to the Chancellor, the amount landlords can claim as relief will be set at the basic rate of tax - currently 20 per cent.

China stock crash has wiped nearly a third off the market's value: How much do UK investors in Asian funds need to worry?

China stock crash prompts drastic action to enforce price stability

Chinese markets have suffered days of chaos and draconian measures by the Communist authorities to put a floor under plunging stock prices. Calm was just about restored on the Shanghai market by last night - but only after 50 per cent of stocks were suspended from trading, while company bosses and major investors were banned from selling up for the next six months. The share rout has wiped nearly a third off the value of the market since mid June - so just what is going on and how worried should investors be about money stashed in Asian funds?

Dixons Carphone's profits hit by mega-merger and restructuring costs

fmos3 Currys - pc world dixon retail
PR handouts

The retail giant is expected to say costs to exit its German and Dutch chains earlier this year and the first tranche of expenses from the merger will come to at least £120million.

Wealthy City investors sue finance firm Ingenious over film investments 

Twenty pounds note.


More than 100 investors, including Ken Costa, former chairman of investment bank Lazard, have issued a writ in the High Court against Ingenious and more than 50 associated companies.

Big egg suppliers dish out a tasty £16 million dividend in spite of falling profits

fmos3 BT7WFA A close up photo of a pack of Gu chocolate puds ( puddings ) against a white background

Noble Foods, which also owns Gu puddings, saw profits fall 28 per cent, thanks to 'challenging market conditions' in the year to September 30, 2014.

Barclays leak reveals 30 more branches to close between now and October

Barclays Bank, Chancery Lane, London
Banks are regenerating their branches to keep up to date with the new way people use banks, including more online usage. Three top names in the banking world have designed new layouts in store to deal with the change and make them look more modern
London, UK, 23/07/2014, Picture by Georgie Gillard
London 2014

Barclays Bank, which last week jettisoned its chief executive Antony Jenkins, is on course to close as many branches this year as it did last, according to documents leaked to The Mail on Sunday.

INVESTMENT EXTRA: Britain leads the pack of 'unicorns' in Europe - but how can investors get access to these firms?

INVESTMENT EXTRA: How does Britain fare in the great global unicorn hunt?

In stock market terminology, a 'unicorn' is a business that has been started from scratch and grown to a value of $1billion (£635million) or more while remaining privately owned, though some go on to list on the market. Because they can grow to high valuations with comparative ease, technology firms tend to dominate the list. Of the 40 or so known unicorns across Europe, the UK accounts for 17, according to figures crunched by the technology-focused investment bank GP Bullhound.

The dividend tax shake-up that affects small investors as well as fat cats: How the new rates work and 10 ways to cut your tax bill

All taxpayers will have a tax-free dividend allowance of £5,000 a year: after this, the rate of tax payable on dividends will depend on taxable income.

InterContinental Hotels Group sells landmark property in Kowloon Harbour for £604m

The world's largest hotels group, which owns Holiday Inn and Crowne Plaza, could use the money from the sale of the Intercontinental Hong Kong to beef up its balance sheet.

Burberry faces fresh shareholder anger over 'excessive' executive pay, despite attempts to be clearer on pay-outs

Burberry last year saw a huge investor backlash over the pay and perks of boss Christopher Bailey when more than 52 per cent of shareholders refused to back its remuneration report.

Road tax reform will hit drivers of luxury and greenest cars hardest: Families attack 'madness' of £900 annual bill for two cars

Road tax reform will hit green and luxury cars drivers hardest

Middle-class motorists with 'green' but expensive cars have been able to avoid road tax while poorer families driving older and dirtier models are paying hundreds of pounds a year. George Osborne announced yesterday that gas guzzlers will be subject to a surcharge and people who buy new eco-friendly cars, previously exempt from road tax, will also have to pay into a fund to improve the nation's roads. Angela and Mike Lathwood - pictured with their three children Abbie, 19, Cameron, 14, and Isabelle, six - have an Audi A5 and a BMW 3 series but say they would think twice before buying similarly desirable cars after the changes to road tax.

Extension heaven or planning free-for-all? Osborne tells London councils to let homeowners match neighbours with extra storeys and converted lofts

Builders building loft extension in suburban house North London

The plans outlined by the Treasury are part of a set of reforms aimed at relaxing planning rules in order to boost housebuilding and improve the UK chronic shortage of homes.

Sky set to announce it will give away superfast broadband for FREE as price war with BT intensifies

Sky to unveil it will give away superfast broadband for FREE as price war with BT

A price war over home internet will escalate on Friday when Sky announces it is to give away superfast broadband for free. The pay-TV giant is set to unveil its most audacious offer yet in a bid to poach households from arch-rival BT. Competition between the two providers intensified when BT began offering its sports channels to broadband customers free.

British drivers hiring cars abroad now have three-week code rather than three-day one in move hailed 'victory for common sense'

The paper part of the driving licence was scrapped last month and motorists now need to obtain a special online code to give to hire companies to check their penalty point records.

Chancellor George Osborne says Britain is 'incapable of building enough homes' as construction output hits record low

Construction output was 1.3 per cent lower than in April, according to the Office for National Statistics - its biggest fall since February last year.

ASK TONY: I want a £1,000 refund from the doctor who botched my cosmetic surgery

ASK TONY: I want a £1,000 refund from the doctor who botched my op

Last October, I paid £1,000 for a non-surgical filler treatment. The work was not satisfactory for several reasons. In December 2014 I contacted Barclaycard and they did agree to a refund. A month later Barclaycard phoned to say that as the practitioner had used an intermediary, I couldn't have a refund for the transaction. I did not understand the convoluted explanation.

Mystery shop reveals mortgage advice is a bit of a mystery a year into stricter lending rules

Couple meeting with a financial adviser

Publishing its findings today, the watchdog said that in 59% of mystery shopping cases, customers received suitable mortgage recommendations

Sainsbury's and Tesco could spark another price war at the pumps as both chop 2p off a litre of diesel

Supermarket giants Sainsbury's and Tesco have this morning cut the pump price of diesel by 2p a litre which could spark a price war, the RAC believes.

Fears of Greek euro exit and China's stock market crash are panicking global traders: But how vulnerable are UK investors?

How worried should you be about the world's stock market jitters?

This is a worrying time if you are an investor. Greece is on the brink of leaving the euro; U.S. interest rates could be hiked; bond markets may collapse; share prices in China are slumping; and the FTSE 100 slipped by almost another 2 per cent yesterday. It's no wonder many are panicking. So, should you be panicking, too?

Shopped at Co-op recently? Check your statement! Hundreds of thousands are double-charged on credit and debit cards at stores nationwide

It is believed hundreds of thousands of customers have been charged twice while shopping at Co-operative Food or filling up at one of its petrol stations on Tuesday.

Bristol Water customers to get cheaper bills as competition watchdog tells firm to make 17% cuts over the next five years

The stock photo of a chrome tap.

BXP0GH Chrome tap

If calculated using a 2012/2013 price base, the average household bill for Bristol Water customers is expected to drop from £191 to about £159 per year for the 2015-2020 period in real terms.

Banks set to cash in on cuts to the savings safety net as they could use new limit to dump customers out of higher-paying deals

Banks set to cash in on cuts to the savings safety net as they could use new limit to dump

Savers may find themselves thrown out of high-paying, fixed-rate deals if they want to ensure every penny of their nest egg is protected from any future banking crisis. Last week, the compensation limit for savings - the amount savers have protected with each bank should it go bust - was slashed from £85,000 to £75,000. But experts fear building societies and banks may be about to use this as a chance to dump customers out of higher-paying deals.

Nearly two million families to miss out on childcare worth up to £3,000 as scheme's launch is delayed until 2017

(GERMANY OUT) Woman with six babies / toddlers in a big pram - 1927 - Vintage property of ullstein bild (Photo by Sportbild Schirner/ullstein bild via Getty Images)

The new tax-free plan to give 20p towards every £1 of nursery fees, capped at £2,000 a year for working parents, was due to begin in September.

Car insurance postcode lottery: Adam moved only 1,000 yards - but his insurer hiked his policy by an extra £474 a year


When the 30-year-old told them he had moved home, they hiked his car insurance by an extra £474 a year because they claimed it was a much more risky area.

Banks taskforce to set up service to help grieving families cancel a loved one's accounts in a single step

Banks taskforce to set up service to help grieving families cancel a loved one's accounts

The British Bankers' Association, working with the Building Societies Association, will work on developing Money Mail's proposal for a 'Tell Us Once' service that would help bereaved relatives. In an article for the Mail today, BBA chief executive Anthony Browne throws his support behind Money Mail's 'Looking After Your Legacy' campaign to improve the process of bereavement. And this week, more bosses from Britain's biggest firms have also written to us to show their support.

Bank of England draws up plans to regulate boom in buy to let mortgage lending

A record of a June 24 meeting of the BoE's Financial Policy Committee shows the bank asked staff to look at what action the it could take before gaining further formal powers.

Young homeseekers face affordability crisis as shortage of properties sends both house prices and rental costs soaring

The number of homes on the market fell to a two-and-a-half-year low during January as sales picked up despite the winter weather, research showed today. 

PRESS ASSOCIATION Photo. Issue date: Thursday February 11 2010. The average estate agent had only 55 properties on their books during the month, down from 59 in December and the lowest figure since July 2007, according to the National Association of Estate Agents. See PA story MONEY House. Photo credit should read: Chris Radburn/PA Wire

While the average stock of homes per surveyor fell to a record low of just under 50 in June, demand edged upwards for the second successive month, putting further pressure on prices.

Property values soar 1.7% in June sending average price of a UK home above £200k for the first time, says Halifax

The typical price of a UK  home increased to £200,280, from £196,866 in May, with the tight supply of homes for sale a key factor behind the 'robust' pace of growth, the building society said.

INVESTMENT CLINIC: Where can I find out about new retail bonds before they get over-subscribed?

INVESTMENT CLINIC: Where can I find out about new retail bonds before they get

I like the idea of investing in retail bonds that pay good rates of interest but only seem to read about them once they are over-subscribed and closed to ordinary investors. Where can I find out about new ones so I can be at the front of the queue?

The NS&I; deals you should steer clear of - and how you can double your returns with top-paying banks

broken piggy bank showing coins coming out of he  piggy bank

If your fixed-interest certificate with National Savings & Investments is about to come to an end, it could pay to look elsewhere for a better deal.

Am I covered for driving my car around Europe, or do I need extra insurance?

Am I covered for driving my car around Europe, or do I need extra insurance

I am going to be driving around Europe with my own car over the summer. Do I have to take out extra insurance and breakdown cover, or will I be covered? How much cover can a UK insurer give me and what happens if I have an accident?


Partner services

Landlord packages

How British Gas can help you

Find a mortgage

Buy-to-let rates and advice

Landlord repairs

From locks, boilers, electrics to drains

Find tenants today for FREE

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

L Board sign on the rear of a blue saloon car , UK

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? Deflation ends already but even an early 2016 rate rise remains 'touch and go'

When will UK interest rates rise?

Britain is out of its short-lived flirtation with deflation, with the consumer prices index up 0.1 per cent in the year to May, according to ONS figures. The news arrived the day before MPC minutes revealed another unanimous hold in June with the course still set for an initial base rate rise in the first half of 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 mortgage rates? Fixed rates tumble to as low as 1.09% as homeowners get golden opportunity to lock in

Mortgage rates.jpg

If you are looking for a mortgage, rates have never been lower. We run the rule over the top deals available and whether now is the time to fix.

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 house prices? House prices rise across the UK but London has caught a chill


House prices are rising across the UK but London has caught a chill - property in the capital remains expensive but prices are slipping back from their peaks. We look at the latest figures.

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.

Premium Bonds winners

July 2015
Prize value Winning bond No. Area
£1,000,000 198PN029367 Surrey
£1,000,000 163QV328228 Wales
£100,000 229ZM049427 Cambridgeshire
£100,000 213DV007322 Buckinghamshire
£100,000 209KZ745395 Dorset
£100,000 197EM281903 Manchester
£100,000 189NX181806 North Yorkshire
£50,000 53LP325516 Avon
£50,000 237XN005700 Harrow
£50,000 230HE820063 Lancashire
£50,000 179VQ404335 Stockport
More Premium Bonds winners


Tourist rates

Currency Rate Buy now
Updated 12 Jul 2015.
Euro 1.3631 Buy Now
US Dollar 1.5155 Buy Now
Australian Dollar 2.004 Buy Now
Canadian Dollar 1.91 Buy Now
Chinese Yuan 9.1778 Buy Now
Croatian Kuna 10.135 Buy Now
Czech Koruna 36.476 Buy Now
Danish Krone 10.016 Buy Now
Egyptian Pound 10.49 Buy Now
Hong Kong Dollar 11.62 Buy Now
Hungarian Forint 419.27 Buy Now
Israeli New Shekel 5.5571 Buy Now
Japanese Yen 183.92 Buy Now
Malaysian Ringgit 5.6028 Buy Now
New Zealand Dollar 2.2264 Buy Now
Norwegian Krone 12.057 Buy Now
Polish Zloty 5.6136 Buy Now
Singapore Dollar 2.0261 Buy Now
South African Rand 18.626 Buy Now
Sterling 1.0 Buy Now
Swedish Krona 12.571 Buy Now
Swiss Franc 1.4216 Buy Now
Thai Baht 50.326 Buy Now
UAE Dirham 5.5112 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