Mortgage brokers have seen a surge in applications for buy-to-let loans from companies as landlords prepare for tax changes that will hit them from April. The latest Buy-to-Let Index from Mortgages for Business found 38 per cent of applications by December 2015 were from limited companies, up from 15 per cent in October.
THIS IS MONEY'S SIX OF THE BEST
Could the rising value of your home pay for your commute? The towns where house prices rise so fast they cover annual train tickets within days
Homeowners in Solihull commuting to Birmingham (top left) fared best as the rising value of their homes paid for their annual train travel in just one week, a study by Zoopla suggests. Commuters in south-west London's Surbiton (top right), Bath (bottom left) Radyr in Wales (bottom right) also fared well.
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- 2016 money makeover How to reduce your debt, save on your weekly shopping bill and bring down your insurance premiums
- How to save hundreds by switching energy, broadband and mobile phone providers Here we show you how to tackle the biggest household bills
- Moving bank accounts is as easy as A-B-C How to boost your savings or reduce your debts by switching
- Can you really commute to London from Bristol or Wales? Unlikely towns getting better trains to the capital
- Sunday newspaper share tips: REDT Energy | Cineworld | Royal Mail We round up the Sunday tipsters
- 'You can trust me, I'm not a banker': We speak to Zopa co-founder Giles Andrews proves Peer-to-peer lenders come of age
- M&S; must stop skirting real issues - first of all the online shopping revolution SIMON WATKINS
- Take financial advice... but it's a very good idea not to get it from your bank JEFF PRESTRIDGE
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BUSINESS, CITY & MARKETS
MARKET REPORT: Electronics group Laird lights up on rumours it could be on the radar of US rival Amphenol
The stock was up 31.9p, or 9.7 per cent, to 360.9p on talk that Amphenol, which makes electronic and fibre optic connectors, was eyeing up the wireless component maker. Laird makes insulation technology that protects mobile phones and other telecoms equipment from electromagnetic interference and heat. It also supplies other industries such as car-makers and the medical sector.
SAVE MONEY, MAKE MONEY: THE BEST RATES, DEALS AND TIPS THAT CAN MAKE YOUR RICHER
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MONEY NEWS & ADVICE
Fight back against the greedy taxman: Avoid bombshell fines and pay not a penny more than you owe with our brilliant guide
While managing our income is vital to running household finances, it could be argued that keeping a closer eye on our tax is even more important. Because it's no longer just a matter of how much we pay to the Exchequer each year that counts. HM Revenue & Customs also insists it's our job to make sure we pay the correct amount, too.
Start your 2016 money makeover: How to save a small fortune by switching banks, energy suppliers, insurance and even your shopping?
If you are one of the millions of people who have never changed energy supplier, have stuck to the same insurer all your life and still have the same bank account as when you got your first job, then you could save up to £3,000 by following our steps today. You'll be surprised how easy it is to do and how little time it takes. Just set aside a day, sit down - ideally with a computer - and prepare to start switching.
Tidal wave batters UK supermarkets as competition from discounters takes its toll on festive sales
Tesco, Sainsbury's and Morrisons are all expected to report a fall in festive sales in the coming days following fierce competition from discounters Aldi and Lidl. Rival grocer Waitrose and high street giants Marks and Spencer, Next and Sports Direct have all reported bleak figures in recent days - setting the scene for more disappointing news.
Sainsbury's woos shareholders to create a High Street giant as it prepares £1.2bn Argos bid
Supermarket giant Sainsbury's has begun a charm offensive as it prepares to table a formal takeover bid for Argos-owner Home Retail Group. But fund managers holding Home Retail shares believe a convincing bid might have to be 180p a share - a value of £1.4billion.
'I was left with £29,300 of special Royal Mint coins after HSBC refused them despite being legal tender': How a ruse to earn credit card points came unstuck
An ingenious system to gain credit card rewards came unstuck and left a savvy spender with £29,3000 of £100 coins, as the Royal Mint launched a crackdown on special coins. It promotes coins on its website as legal tender, but the Royal Mint has told banks not to accept them and the legal definition of the phrase means they do not have to.
We splash out £1bn a year - but for most of us paying a good plumber is cheaper: Why you DON'T need expensive boiler insurance
Ten million homeowners a year spend a combined £1billion on such cover to fix broken boilers, repair burst water pipes and kick-start the central heating back into life. Most never have to claim - and those that do can spend more on the cover than they would have done if they just called a plumber to fix the problem.
JEFF PRESTRIDGE: Take financial advice... but it's a very good idea not to get it from your bank
According to find a financial adviser website unbiased, the second Monday in January is by far the most popular day of the year for people to seek money advice. It has a vested interest, yet I can think of far worse outcomes that being encouraged to get professional help.
SIMON WATKINS: M&S; must stop skirting real issues - first of all the online shopping revolution
Don't get me wrong, it is vital that M&S; has styles that appeal to customers. But the real challenge for at least a decade is how it transforms itself to meet the changing way we shop. First, there has been the proliferation of rival chains and secondly the online revolution.
The pain of the Voda-victims: We lost out on a mortgage over a disputed Vodafone bill... for £142
As fed-up customers set up their own Twitter account to blast hapless Vodafone, we reveal how Cliff and Sarah Savage (pictured) lost out on a mortgage over a dispute. The network's own internet-based customer forum is awash with bad experiences. Many are highlighted by a dedicated account set up on social media website twitter - titled 'VodaVictims'.
MIDAS SHARE TIPS: Solar energy storage firm REDT inspired by Nasa is powering up on production of its battery units
REDT Energy has created a pioneering method of storing energy, using large storage facilities that are long-lasting, effective and could transform the way energy is distributed to homes and businesses. REDT shares are 7½p and should increase materially over the next three years as the group ramps up production of its units in the UK and overseas.
Can you really commute to London from Bristol or Wales? Unlikely towns where property may soon benefit from better trains to the capital
With faster, more spacious trains, commuting into London is not as far fetched as it sounds. Prices in London are sky-high, with the average home costing a staggering £531,000, and commuting from further west - even taking into account the cost of the rail season ticket - could be a more affordable alternative.
Over-60s booming in wealth and numbers: Look beyond healthcare for the investments set to grow on the back of the 'Grey Pound'
The world is ageing as never before. Fewer babies are being born, and people are living longer. In the UK, the number of centenarians will multiply six-fold over the next 25 years. While it creates concerns for society, it is a great potential source of opportunities for investors. Living longer means more is spent on health - which benefits companies involved in that sector - and it also means more time for older people to enjoy life and spend their money.
SMALL BUSINESS: NEWS, TIPS AND SUCCESS STORIES
Would you buy Facebook's £499 virtual reality headset? As the Oculus Rift goes on sale, a small British studio is hoping VR will be the next big thing
The Oculus Rift is the first mainstream virtual reality headset to go on sale to the general public - but will it be the next big thing? Facebook, and a small design studio in Newcastle are hoping so. Hammerhead VR is creating short films for the device, which it predicts will transform social media, gaming, and the entertainment industry.
MORE BUSINESS, CITY AND ECONOMY NEWS
Investors braced for another week of turmoil on stock markets after the worst ever start to the year for the Footsie
The Footsie tumbled 5.3 per cent last week - reducing the value of Britain's biggest companies by £85bn in a bruising setback for savers and investors. It was the worst opening five days of the year on record and the losses were echoed around the world with £1.6trillion wiped off the value of global stocks.
YOUR MONEY ESSENTIALS
Britain's classic car hotspots revealed: Kent, Essex and Surrey have most owners and the VW campervan is our top choice
People in the South are most likely to pump their money into classics, according to Carole Nash, as it reveals hotspots and favourite cars. And Britain's nation of classic car lovers is not throwing their money at Ferraris, Porsches or Lamborghinis; the most common classic is actually the VW Camper.
How much can you really save with a wood burning stove or even a biomass boiler? We crunch the numbers...
How do you heat your home? More likely than not it's by turning on the central heating but a growing number of people are opting for renewable heating sources instead such as wood burning stoves or biomass boilers. These claim to not only be good for the environment but also a way to cut the cost you spend on your energy bills.
'Lord Sugar and I couldn't be more different': Dr Leah Totton reveals her Apprentice start-up secrets
Dr Leah Totton launched her cosmetic skin after starring on The Apprentice. Her prize from the BBC show was £250,000 in start-up capital and business mentoring from Lord Alan Sugar, one of Britain's most famous entrepreneurs. Here she reveals why Lord Sugar proved to be the perfect business partner.
GUIDES: HOW TO SAVE MONEY AND MAKE MONEY
WHAT NEXT FOR YOUR MONEY?
50 ways to save money: Simple steps to cut what you spend that could clear your debts or seriously boost your savings
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.
When will interest rates rise? The Fed finally raises rates but will the Bank of England move in 2016?
A 0.25 per cent move up in the Fed funds rate has set a marker that the Bank of England's ratesetters will be measured against. Economists expect no move here until late 2016 and the money markets say no move until 2017, but the Bank's deputy governor Ben Broadbent says people should not rely on that.
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Best paid jobs 2015: Compare your salary to the national average in this league table of 350 professions - and see the year's winners and losers
Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.
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Premium Bonds winners
Prize value | Winning bond No. | Area |
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£1,000,000 | 200WX818076 | Leicester |
£1,000,000 | 198JT390484 | Leicester |
£100,000 | 63VY064447 | Leicestershire |
£100,000 | 56ZR624661 | West Scotland |
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£100,000 | 143HD175731 | Hertfordshire |
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£50,000 | 252DL082709 | Leeds |
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£50,000 | 239GE660218 | Hampshire and Isle of Wight |
£50,000 | 232GZ086470 | Somerset |
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- You can buy with a little help from my friends: Kate Thornton launches cashback website TBSeen Help from celebrity pals
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- As Santander hikes 123 account fees by 150%, are there better banks out there to switch to? Stick or twist?
- Energy consumption peaked in 2005 and British households could chop another £303 off annual fuel bills by 2020 EXCLUSIVE.
- House prices rocketed 9.5% in 2015 Britain's biggest mortgage lender warns shortage of property for sale will keep pressure on market.
- Newlyweds saved £45,000 deposit towards their dream first home - then lost everything in a cruel new online scam
- How to turn £50K into £1m on the property market - but you had to move every year! London property game
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- 'There are no new resolutions to alter bank behaviour as City watchdog goes soft' Banking expert Stephen Platt
- 500,000 savers face Santander monthly fee hike next week Bank slashing rates paid on its 123 current account.
- Still playing the same Lotto numbers? You've made the odds of winning even longer... Bigger prizes are shared.
- I asked for my pension payout - then Friends Life cut it by £17,000. Where has it gone? ASK TONY.
- One in four breadwinners don't have life insurance - leaving their families with a cover gap of £263bn.
- How banks flogged risky investments to loyal savers... then abandoned them by scrapping financial advice services
- If your bank fails, will your nest egg still be safe under new FSCS rules? We explain the compensation quirks.
- Shamed: The cash Isas which paid as little as £1 interest ALL year for each £1k you saved - and banks continue to cut rates.
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- 'UK needs right homes in the right places,' says housing minister Scheme to build 13,000 is described by critics as a 'drop in the ocean'.
- Best and worst countries in Europe for job prospects revealed - and the UK isn't faring too badly at all, recruitment experts Glassdoor said.
- Every time a new security measure is put in place, fraudsters think of a novel way round it JAMES CONEY on surge in fraud.
- I want to buy a new property and rent out my current residence - what stamp duty would I need to pay from April 2016?
- Millions of HSBC customers hit by IT glitch leaving them unable to access accounts or make payments online
- My home has been wrecked by Storm Frank flooding and I can't access my accounts Will I be fined if I miss the tax deadline?
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- Two landlords raise £50k to fight buy-to-let tax relief crackdown
- Petrol prices could drop as low as 90p a litre As diesel finally falls below £1
- Time is running out for TalkTalk customers to bag free upgrade Offered by telecoms firm after data hack
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- Cadbury Creme Egg sales fall £6m as Britons crack over recipe changes made by the American firm last year
- Chinese turmoil sparks fresh pain for savers as shares in London fall again and oil hits a 12-year low
- Could the rising value of your home pay for your commute? The towns where house prices rise so fast they...
- Co-op launches gimmick-free current account reward scheme that will pay customers up to £66 a year
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- Bowie's vision of the future: Singer's genius extended to selling his future royalties for £35m
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- ALEX BRUMMER: As Morgan Stanley joins Goldman Sachs in predicting $20-a-barrel crude, are your dividends...
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- Cadbury Creme Egg sales fall £6m as Britons crack over recipe changes made by the American firm last year
- The gloves are off! Barclays doubles 'Blue Rewards' in January after rivals boost bank account freebies
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- 'I bought at a good time and my home's value quadrupled': TV star Kay Burley says property has always served her well but everyone should get a pension
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- Start your 2016 money makeover: How to save a small fortune by switching banks, energy suppliers, insurance and even your shopping?
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MIDAS SHARE TIPS
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- MIDAS SHARE TIPS UPDATE: Ethical palm oil producer DekelOil's shares edge up as production rises seven-fold
- MIDAS SHARE TIPS: Profits set to soar as Dixons Carphone looks across Atlantic
- MIDAS SHARE TIPS UPDATE: Buy-to-let tip Paragon rockets, but be prepared to move on
- MIDAS SHARE TIPS: Tate & Lyle faces healthier future - thanks to new low sugar diet
- MIDAS SHARE TIPS UPDATE: Project manager WYG makes a Giant leap forward as our tip rockets 105%
- MIDAS SHARE TIPS: Our ten top shares are outshining the lacklustre FTSE 100
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FUND AND TRUST IDEAS
- LOWLAND INVESTMENT COMPANY: 'My buy early, sell early strategy can be infuriating... but it works'
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- EDINBURGH INVESTMENT TRUST: Manager who took over from Woodford delivers 15% return over past year - and a 3.4% dividend
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Latest: Mortgages & home
- 'We are the builders': Osborne promises 400,000 new homes and vows to tackle Britain's 'crisis in home ownership'
- Flat-fee estate agent Yopa goes national with advertising drive as battle for online property sales intensifies
- As a couple are left devastated by Airbnb guests who trashed their London flat... How can you protect your home from disaster when letting it?
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- Newlyweds saved £45,000 deposit towards their dream first home - then lost everything in a cruel new online scam
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- Get a will for just £120 with new legal service offering advice
Latest from Saving & banking
- Co-op launches gimmick-free current account reward scheme that will pay customers up to £66 a year
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- Moving bank accounts is as easy as A-B-C: How to boost your savings or reduce your debts by switching
- The gloves are off! Barclays doubles 'Blue Rewards' in January after rivals boost bank account freebies
- 'I was left with £29,300 of special Royal Mint coins after HSBC refused them despite being legal tender': How a ruse to earn credit card points came unstuck
- Looking for a better bank? This is Money's five of the best current accounts
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- If your bank fails, will your nest egg still be safe under new FSCS rules? We explain the compensation quirks
- How banks flogged risky investments to loyal savers... then abandoned them by scrapping financial advice services
- Shamed: The cash Isas which paid as little as £1 interest ALL year for each £1k you saved - and banks continue to cut rates
ANSWERS FROM THE Experts
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Latest from Holidays
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Currency | Rate | Buy now |
---|---|---|
Updated 12 Jan 2016. | ||
Euro | 1.3105 | Buy Now |
US Dollar | 1.4275 | Buy Now |
Australian Dollar | 2.0244 | Buy Now |
Canadian Dollar | 2.0109 | Buy Now |
Chinese Yuan | 9.1835 | Buy Now |
Croatian Kuna | 9.826 | Buy Now |
Czech Koruna | 34.841 | Buy Now |
Danish Krone | 9.61 | Buy Now |
Egyptian Pound | 9.9 | Buy Now |
Hong Kong Dollar | 10.964 | Buy Now |
Hungarian Forint | 404.92 | Buy Now |
Israeli New Shekel | 5.4577 | Buy Now |
Japanese Yen | 166.49 | Buy Now |
Malaysian Ringgit | 6.2624 | Buy Now |
New Turkish Lire | 4.1985 | Buy Now |
New Zealand Dollar | 2.1647 | Buy Now |
Norwegian Krone | 12.505 | Buy Now |
Polish Zloty | 5.5924 | Buy Now |
Singapore Dollar | 2.0329 | Buy Now |
South African Rand | 23.461 | Buy Now |
Sterling | 1.0 | Buy Now |
Swedish Krona | 11.96 | Buy Now |
Swiss Franc | 1.4078 | Buy Now |
Thai Baht | 50.743 | Buy Now |
UAE Dirham | 5.2015 | Buy Now |
LATEST ON HOUSEHOLD Bills
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- You can buy with a little help from my friends: Kate Thornton launches cashback website TBSeen with her celebrity pals, but how does it compare to rivals?
- How much can you really save with a wood burning stove or even a biomass boiler? We crunch the numbers...
- EXCLUSIVE: Energy consumption peaked in 2005 and British households could chop another £303 off annual fuel bills by 2020
- 2,000 file tax returns on Christmas Day, with over 24,500 submitting the forms before the end of the year
- Tick tock: Time is running out for TalkTalk customers to bag free upgrade offered by telecoms firm after data hack
Latest from Cards & loans
- It's never been cheaper to borrow money: M&S Bank slashes personal loan rates for amounts up to £15,000 to as low as 3.3%
- Borrow interest-free for three years! The best balance transfer credit cards to help clear your debts
- Borrowers pay more than £1bn in unnecessary credit card interest after missing balance transfer payments
- MBNA launches 39-month balance transfer deal, so can it help you pay off your Christmas credit card bill?
- Payday lender Cash Genie goes into 'solvent liquidation' months after it was ordered to give £20m in compensate to customers
- Ten steps to beating ID fraud: How you can avoid falling victim to the conmen
- Fears for the 0% credit card bingers: With over £1.3 billion set to be switched from one card to another in January, critics warn the deals could add to Britain's debt crisis
- Christmas on credit? Card spending soars 14% in a year as fears rise households are 'borrowing more and saving less' to fund splashing out
- Beware the Christmas sharks: Watchdog reveals list of unauthorised lenders targeting shoppers with short-term loans
Latest from Investing
- Is the New Year stock market slump a blip or something more ominous? Why the 'January effect' can set the tone for the rest of the year
- LOWLAND INVESTMENT COMPANY: 'My buy early, sell early strategy can be infuriating... but it works'
- MIDAS SHARE TIPS UPDATE: Hold your nerve in Cineworld’s blockbuster battle
- MIDAS SHARE TIPS: Solar energy storage firm REDT inspired by Nasa is powering up on production of its battery units
- Sunday newspaper share tips: REDT Energy | Cineworld | Royal Mail
- From £10,000 golf balls to 1966 World Cup shirts: How to be a winner in the search for sporting memorabilia
- Over-60s booming in wealth and numbers: Look beyond healthcare for the investments set to grow on the back of the 'Grey Pound'
- MITON UK VALUE OPPORTUNITIES: Young fund stays on track as it looks for value over glamour
- MIDAS SHARE TIPS: From tapping into Harvard, to the Caribbean and London homes, three ideas to get richer in 2016
Latest: money and Cars
- Car sales race ahead to hit a record high boosted by cheap credit, low interest rates and competitive deals
- Rolls-Royce posts first drop in sales in six years as it shifts seven per cent fewer cars than record-breaking 2014
- How to buy the ultimate used motor: Five of the best second-hand hypercars... if you can find one
- Two-thirds of motoring convictions are for speeding - but there are a third fewer traffic cops to give chase than five years ago
- Britain's classic car hotspots revealed: Kent, Essex and Surrey have most owners and the VW campervan is our top choice
- Clubbers aboard party bus involved in minor road shunt danced the night away before making £250k worth of bogus whiplash claims
- How committed are you to saving the universe? We try Hyundai's £50k hydrogen fuel cell SUV to see if it really is the future
- Is this the car that'll make you forget the emissions scandal? BUDD-e MPV is first to use new electric-car platform VW hopes will repair its reputation
- We're split over a driverless future: Half say they'd refuse to ride in a self-driving car - would you?
- The compact SUV that defeats depreciation: Renault's Kadjar crossover is king for keeping its value, says expert
Latest from Markets
- Sports Direct sheds more value as analysts slash rating following the last week's profit warning after poor Christmas trading
- Burberry sales predicted to fall 2% amid fears luxury brand is overexposed in Hong Kong and underexposed in Japan
- CITY FOCUS: How we fell in love with convenience stores... and caused a huge headache for the supermarket giants
- MARKET REPORT: Electronics group Laird lights up on rumours it could be on the radar of US rival Amphenol
- Bowie's vision of the future: Singer's genius extended to selling his future royalties for £35m
- Chinese turmoil sparks fresh pain for savers as shares in London fall again and oil hits a 12-year low
- Clive Selley named new boss of Openreach ahead of Ofcom decision on whether it should be split from BT
- FTSE CLOSE: Footsie back in red after fresh sell-off; energy stocks slide as Brent drops below $32
- House of Fraser and Superdrug buck the festive high-street sales slump
- Drug giant Shire agrees $32bn deal for US firm Baxalta as pharmaceuticals mega merger activity continues into 2016
TOP CALCULATORS
- This is Money's calculators and tools All our calculators in one place. See how they could help you
- Historic inflation: how the value of money has changed The effects of inflation since 1900 and what past prices mean today
- True cost mortgage tool - rates AND fees Compare the cost of rival fixed and tracker rate mortgages
- Mortgage affordability: How much you can borrow Find out how much you can afford to borrow and the difference between repayment and interest-only
- Monthly or lump sum savings calculator How much a regular monthly savings scheme could make or a lump sum could be worth.