Buy-to-let mortgage applications from limited companies more than double as landlords strive to beat tax hikes

Buy-to-let mortgage applications from companies double after tax hikes

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.

Cadbury Creme Egg sales fall £6m as Britons crack over recipe changes made by the American firm last year

It appears Britons' love love for Cadbury Creme Eggs is starting to crack after the chocolate giant changed the recipe for the gooey treat exactly a year ago.

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

The towns where house prices rise so fast they pay for 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.

Co-op launches gimmick-free current account reward scheme that will pay customers up to £66 a year

The Co-operative Bank has launched a fee-free current account reward scheme that will pay new and existing customers up to £66 a year for going about their banking as normal.

The gloves are off! Barclays doubles 'Blue Rewards' in January after rivals boost bank account freebies 

As Santander increases the fees on its 123 account, other banks are hoping they can win your loyalty with some tempting freebies - including this double rewards offer from Barclays Bank.

Bowie's vision of the future: Singer's genius extended to selling his future royalties for £35m

Singer David Bowie attends the 2010 CFDA Fashion Awards at Alice Tully Hall at Lincoln Center on June 7, 2010 in New York City.  (Photo by Andrew H. Walker/Getty Images)

In 1997 the singer invented Bowie Bonds whereby he sold the future royalties expected from his records sales to get access to a lump sum of £35m.

Change confusing state pension forecasts NOW! MPs demand swift improvements amid fears workers do not know what they will get in retirement

Alarmed MPs are demanding urgent changes to state pension forecasts to combat widespread public confusion about an overhaul pending this April.

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MARKET REPORT: Electronics group Laird lights up on rumours it could be on the radar of US rival Amphenol

MARKET REPORT: Electronics group Laird lights up on rumours it could be on the radar of US

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.

ALEX BRUMMER: As Morgan Stanley joins Goldman Sachs in predicting $20-a-barrel crude, are your dividends safe?

Daily Mail City Editor Alex Brummer.
byline

It is no longer possible to argue that the decline in the last 18 months, which has brought spot prices crashing down to a 12-year low level, is simply a case of short-term volatility.

CITY FOCUS: How we fell in love with convenience stores... and caused a huge headache for the supermarket giants

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Households around the UK are making more frequent trips to smaller neighbourhood shops or buying their groceries online than heading out to giant out-of-town supermarkets.

Burberry sales predicted to fall 2% amid fears luxury brand is overexposed in Hong Kong and underexposed in Japan

Mandatory Credit: Photo by SIPA/REX_Shutterstock (4626329l)
 Christopher Bailey and models backstage
 Burberry Prorsum show, Autumn Winter 2015, London Fashion Week, Britain - 23 Feb 2015

The luxury brand has become the fourth most shorted stock in the FTSE adding to the pressure on chief executive and chief creative officer Christopher Bailey (pictured).

Sports Direct sheds more value as analysts slash rating following the last week's profit warning after poor Christmas trading

The Sports Direct store at Brent Cross.
. REXMAILPIX.

The retailer last week blamed the mild weather and a lack of shoppers on the High Street for warning annual profits could be £40m lower than expected.

Clive Selley named new boss of Openreach ahead of Ofcom decision on whether it should be split from BT

Clive Selley.jpg

The telecoms group announced yesterday that Selley, who currently heads technology, services and operations at BT, will take over at the broadband division from Joe Garner.

Fight back against the greedy taxman: Avoid bombshell fines and pay not a penny more than you owe with our brilliant guide

Fight back against the greedy taxman: Avoid bombshell fines but pay not a penny more than

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.

From setting up a Super Isa to keeping more of your dividend payouts... The eight tax breaks YOU need to know about

Cartoon pictures of Hector the Income Tax Self Assessment Collector.

We handed over a staggering £163 billion in income tax from our earnings in the year to April 2015 - so it pays to take advantage of all the tax breaks you can.

With just three months until the pension system gets a radical overhaul... here's how you can boost your retirement income

Savings for pension collected in jam jar

From April 6, there will be one state pension which will, eventually, give the same pension of £155.65 a week to everyone who builds up 35 qualifying years.

How to buy the ultimate used motor: Five of the best second-hand hypercars... if you can find one

AutoCar's Dream Car Buying Guide for second-hand hypercars

Do you have £1.5m kicking around and don't know what to do with it? How about an ultra-rare hypercar? We've got the top five second-hand super-exotic vehicles from as low as £300k.

Reviled HMRC boss Lin Homer to depart after years of brickbats over dismal performance and a controversial damehood in New Year honours list

File photo dated 15/10/11 of HMRC chief executive Lin Homer, who has faced intense criticism from MPs, is quitting her post in April, the government has announced. PRESS ASSOCIATION Photo. Issue date: Monday January 11, 2016. See PA story POLITICS HMRC. Photo credit should read: Ian Nicholson/PA Wire

HMRC boss Lin Homer is to step down in April following a barrage of criticism condemning her record as head of the UK's tax office.

Rolls-Royce posts first drop in sales in six years as it shifts seven per cent fewer cars than record-breaking 2014

Global sales of super-luxury Rolls-Royce cars have fallen for the first time in six years following a dramatic 54 per cent plummet in the troubled Chinese market, it was revealed on Monday.

First-time buyers need a £33k deposit to get onto the property ladder and a quarter now stretch mortgages to 35 years

The average deposit paid by a first-time buyer has risen by 88 per cent, from £17,499 in 2007 to £32,927 today, while the average price paid for a first home rose 10 per cent last year, from £172,563 to £190,180.

Who wants to live with a millionaire? Property entrepreneur seeks two housemates invited to 'only pay the rent they can afford'

The housemates need only pay a 'rent they can afford' to enjoy the Grade II listed property in East London, says the generous homeowner and businessman Rupert Hunt.

'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

My home quadrupled in value, says Kay Burley, but everyone should have a pension

Kay Burley, the Sky News TV presenter, says she's done well on property but would force every worker in the UK to sacrifice up to 5% of their salary to fund a pension if she were Chancellor. She reveals her financial life and why last year was her best earner, in Me & My Money.

Online spending rises over 7% in a year, according to Visa Europe, but high street sales remain sluggish

Visa Europe's latest UK Consumer Spending Index showed consumer spending increased by 2.3 per cent year-on-year in December. Spending on the high street fell by 0.1 per cent year-on-year.

Start your 2016 money makeover: How to save a small fortune by switching banks, energy suppliers, insurance and even your shopping?

Could you save £3,000 in a year by switching and saving on your bills?

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.

Moving bank accounts is as easy as A-B-C: How to boost your savings or reduce your debts by switching

ABC boy

Choosing a new account and moving everything may seem a daunting prospect, but the current account switching service has made it easier than ever.

Tidal wave batters UK supermarkets as competition from discounters takes its toll on festive sales

Tidal wave batters UK supermarkets as competition from discounters takes its toll on

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

Sainsbury's prepares new £1.2bn bid for Argos

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

I was left with £29k of Royal Mint coins after HSBC refused them despite legal tender

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

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.

Two-thirds of motoring convictions are for speeding - but there are a third fewer traffic cops to give chase than five years ago

An investigation found there are 30 per cent fewer traffic officers on the road in England and Wales than in 2010, with 36 of 42 forces contacted saying their team numbers have dropped.

Got a financial hangover? Top tips for small businesses hoping to have a healthy and wealthy New Year

New Year can be a difficult time for small businesses. Some see sales slow, invoices go unpaid and hefty rents become due. Here are some tips to help shake off the January blues.

JEFF PRESTRIDGE: Take financial advice... but it's a very good idea not to get it from your bank

JEFF PRESTRIDGE: Take financial advice... but not 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

SIMON WATKINS: M&S must stop skirting real issues

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

We lost a mortgage over 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'.

'We swapped our cottage in Huddersfield for a house in Hawaii': How you can save a small fortune on holidays this year

From home swapping to cheap luxury hotels, Tara Evans looks at ways of cutting holiday costs without compromising on quality.

As a 7-year-old spends £3,900 upgrading his 'dinosaurs' on an iPad, here's how to stop your child running up a T-Rex-size bill

Computer Game: Lego Jurassic World.

A telecoms expert says that the older children become, the easier they find it to outsmart usage restrictions that parents put in place. Here's how to avoid that.

MIDAS SHARE TIPS: Solar energy storage firm REDT inspired by Nasa is powering up on production of its battery units

MIDAS SHARE TIPS: Solar energy storage firm REDT Energy inspired by Nasa is powering up

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.

Sunday newspaper share tips: REDT Energy | Cineworld | Royal Mail

We round up the Sunday newspaper share tips. This week Midas looks at REDT Energy and Cineworld and Questor looks at Royal Mail.

Osborne could delay much-hyped sale of Lloyds shares until summer after global markets turmoil

Pedestrian walk past a branch of a Lloyds bank in central London, England. 
Britain's state-rescued Lloyds Banking Group said on July 31, 2015, that net profits rose by 31 percent in the first half, despite setting aside further funds to compensate customers who were mis-sold insurance. Horta-Osorio said the lender was focused on becoming "the best bank for customers and shareholders while at the same time supporting the UK economy".    AFP PHOTO/LEON NEAL        (Photo credit should read LEON NEAL/AFP/Getty Images)

Fright knocked shares worldwide, with the FTSE 100 index dropping 5.3%. The turmoil could now stall the proposed Lloyds share sale as the state is now back under water

MIDAS SHARE TIPS UPDATE: Hold your nerve in Cineworld's blockbuster battle

Film Star Wars: The Force Awakens (2015), starring Adam Driver as Kylo Ren..and Stormtroopers...........Kylo Ren (Adam Driver) with Stormtroopers..Ph: David James..©Lucasfilm 2015

Midas recommended Cineworld last March, when the shares were 452p. Today, they are 22 per cent up at 553½p and are expected to rise further this year and beyond.

LOWLAND INVESTMENT COMPANY: 'My buy early, sell early strategy can be infuriating... but it works'

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Over the past five years, all four funds James Henderson manages have comfortably generated more returns than the FTSE All-Share Index - no mean achievement.

From £10,000 golf balls to 1966 World Cup shirts: How to be a winner in the search for sporting memorabilia

From £10,000 golf balls to 1966 World Cup shirts: How to be a winner in the search for

Prices for sports memorabilia continue to reach new heights. Here, The Mail on Sunday shows how you can make money from sporting collectables without breaking into a sweat.

Freedom has helped more than 178,000 savers cash in their pension savings - but how many made the right decision?

Almost half of people accessing their retirement savings under pension freedom rules are cashing in the whole amount, official data has revealed.

Flat-fee estate agent Yopa goes national with advertising drive as battle for online property sales intensifies 

YOPA CEO Daniel Attia.jpg

Chief executive and co-founder Daniel Attia claims the business is saving customers thousands in estate agency fees by charging sellers a flat fee of £780.

Can you really commute to London from Bristol or Wales? Unlikely towns where property may soon benefit from better trains to the capital

Can you really commute to London from Bristol or Wales?

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.

Housebuilder Taylor Wimpey built more homes in 2015 than any of the past six years - enjoying a 7% sales boost 

The company, which is Britain's third biggest housebuilder, built 13,341 homes in 2015 at an average selling price of £230,000, 8 per cent higher than a year earlier.

What could you afford to buy if you win this weekend's £60M Lotto? Here's a portfolio of properties to help get you started...

If you've won the Lotto, here's a £60m property portfolio that includes a house in London, a city pied-a-terre, a seaside home and a countryside mansion...

Over-60s booming in wealth and numbers: Look beyond healthcare for the investments set to grow on the back of the 'Grey Pound'

INVESTMENT EXTRA: Two million over 60s in the UK have over £1m - it's time to cash in on a

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.

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

Would you buy a £499 headset? Why virtual reality might become 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.

Freebie website FanFinders begins delivering boxes of free goods to new parents

your baby box.jpg

Alec Dobbie, who founded FanFinders, had his own software development consultancy when he had the idea to help brands find new fans by sending them free samples.

Want the next Google? Then we need a Minister for scale-ups, says boss of currency transfer business World First

Picture:  Craig Hibbert      15-12-15..Jonathan Quin, CEO and co-founder of World First

The Government should focus more on building up or 'scaling' companies than creating them, according to Jonathan Quin.

PayPal's lending arm plays ball with 60,000 companies providing them £690m since its launch in 2013

Active Hound-Active Hound-0053 copy.jpg

In a sign of just how rapidly small company finance is changing, demand for PayPal Working Capital has tripled in the past year.

Pressure mounts on Treasury for more detail on digital tax returns

Andrew Tyrie, Conservative MP for Chichester.
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On November 29, it was reported on this page how quarterly online returns were expected by accountants and business groups to be a 'dog's dinner'.

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

Will the New Year market slump defy the 'January effect'?

Markets have had an inauspicious start to the year, but will they succumb to the January effect? Since its inception in 1984, there is a four out of five chance that when the FTSE 100 has made gains in January, it will finish the year on a high.

Drug giant Shire agrees $32bn deal for US firm Baxalta as pharmaceuticals mega merger activity continues into 2016 

ENBF6D Focused scientist adding liquid to test tube

The FTSE 100-listed group, which first approached the US firm with an offer in July, won over the haemophilia specialist after adding a cash sweetener to its previous share offers.

House of Fraser and Superdrug buck the festive high-street sales slump

House of Fraser enjoyed a 5.3 per cent rise in like-for-like sales in the six weeks to 2 January compared to a year earlier, new figures reveal.

Investors braced for another week of turmoil on stock markets after the worst ever start to the year for the Footsie

Investors braced for another week of turmoil on stock markets

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.

EEF BOSS: Government's indecision is fatal for the march of the makers

Business success and its underlying productivity - a hallmark for this Government - is dependent on certainty and predictability, says Terry Scuoler, chief executive of the EEF.

Investment bank Shawbrook spends £30m on 'Ashya' proton beam firm

Ashya King (C) a British boy who received proton treatment and is now cancer free gestures is poses in the arms of his father Brett King in front of the Prague castle during their visit in the Czech capital where they gave a press conference at the Proton Therapy Center on September 15, 2015 in Prague. Ashya King was treated for a brain tumour at a medical centre in Prague last year after his parents took him away from a British hospital fearing that the proposed course of radiotherapy would make him worse...AFP PHOTO / MICHAL CIZEK        (Photo credit should read MICHAL CIZEK/AFP/Getty Images)

Shawbrook Asset Finance has agreed a £30million loan facility with Proton Partners International, which is building the first dedicated proton beam therapy centres in the UK.

Britain's classic car hotspots revealed: Kent, Essex and Surrey have most owners and the VW campervan is our top choice

Britain's classic car hotspots and favourite cars revealed

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.

Clubbers aboard party bus involved in minor road shunt danced the night away before making £250k worth of bogus whiplash claims

Most of the party-goers made a bogus injury claim despite not being aware of the collision at the time and not seeking any medical attention, Aviva said.

One in five can't afford January's rent and will use credit cards, overdrafts, loans from friends or payday loans

The festive period is over and many have been left with big financial hangover with one in five renters unable to pay January's rent out of their salary.

It couldn't be me! Six Lottery numbers turned me into a mug for 21 years and counting, confesses SIMON LAMBERT

How six National Lottery numbers made me a mug for 21 years and counting

In November 1994, I bought a ticket for the first ever National Lottery draw. Unfortunately, in those heady days before the Lucky Dip's arrival, I had to pick the numbers myself. 'It could be you,' said Camelot. It wasn't. Yet still I played on, because what if those numbers came up?

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%

Personal loan rates have fallen to the lowest ever recorded after M&S; Bank cut the interest it charges on loans between £7,500 and £15,000 to just 3.3 per cent.

Still playing the same Lotto numbers? You've made the odds of winning as much as possible in the bumper draw even longer...

While picking new higher numbers shouldn't increase your chance of getting the right numbers, it does mean that if you do, then you may win a bigger prize.

I lent my girlfriend £5k and have an email agreement to show it but now we've broken up and she's ignoring me: Where do I stand?

My ex borrowed £5k and hasn't paid me back. Can I go to the small claims court?

I lent my ex-girlfriend £5,000 and we set up a written agreement over email that she would repay it within 28 days. Three months has passed and she's now ignoring me. I want my money back plus interest, but where do I stand? And how do I go about taking her to the small claims court?

Top end of the property market is hit by 'paralysis' following introduction of higher stamp duty a year ago

Sales dropped by 64 per cent in the last nine months as the higher stamp tax rates hit luxury properties in the capital that were selling for more than £2m.

Happy househunting! There's only one thing more stressful than buying a home, finds survey - and that's divorce...

Young couple looking at property.
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property,
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prices, 
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property,
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stress, 
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About seven in 10 people who have bought or sold a home have found it nerve-wrecking, the biggest source of stress only after getting a divorce.

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?

Kate Thornton launches cashback site TBSeen but how does it compare?

TV presenter Kate Thornton - best known for fronting the X Factor and Loose Woman - has launched a cashback website aimed at women, with help from her celebrity friends.
But how does it compare to existing rivals TopCashback and Quidco? This is Money takes a look

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?

The Illustrative image of human hands shielding model house representing home insurance.

Smashed windows, flooded bathrooms, broken china and red wine spilt all over the cream carpets - your worst nightmare or a very real possibility should you rent your home out via AirBnb?

How to turn £50K into £1m on the property market: Invest in London's up-and-coming areas twenty years ago... and then move every year!

Buyers would have needed to move every year for 20 years to cash in on areas of London that have been gentrified, according to the research by estate agents Knight Frank.

Stick or twist: As Santander hikes 123 account fees by 150%, are there better banks out there to switch to?

As Santander hikes fees, are other bank accounts offering a better deal?

Millions of Brits have a Santander 123 account, which offers up to 3 per cent interest and cashback on bills. But from next week its current account fee will surge from £2 per month to £5. Here are some alternative current accounts offering perks for Santander switchers.

How much can you really save with a wood burning stove or even a biomass boiler? We crunch the numbers...

How much can you save with a wood burning stove or even a biomass boiler?

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.

House prices rocketed 9.5% in 2015 and Britain's biggest mortgage lender warns shortage of property for sale will keep pressure on market

An exterior view of the homes in Ealing, London, England.
Urban ?snobs? were condemned by a London MP today for sneering at
millions of people who live in the suburbs.
Rupa Huq, Labour MP for Ealing Central and Acton, also called for a new
taskforce to regenerate swathes of suburbia across the country as has happened for rundown city centres.

The price of the average house jumped 1.7 per cent in December, as the average house price hit £208,286, according to the latest figures by the UK's biggest mortgage lender Halifax.

EXCLUSIVE: Energy consumption peaked in 2005 and British households could chop another £303 off annual fuel bills by 2020

British households could collectively save £1.5billion on energy bills through increased adoption of simple energy saving measures, according to a think-tank's calculations.

'Lord Sugar and I couldn't be more different':  Dr Leah Totton reveals her Apprentice start-up secrets

The Apprentice's Dr Leah reveals what it's like to start-up with Lord Sugar

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.

The end of divorce discrimination? Building society gives divorcees a boost as it eases mortgage rules for ex-spouses

The lender says it will now consider 100 per cent of income from child maintenance when assessing mortgage affordability, unlike many other banks and building societies.

One in four breadwinners don't have life insurance leaving their families with a cover gap of £263 billion

One in four UK breadwinners does not have a life insurance policy potentially leaving their families open to financial problems if they died.

How low can they go? Mortgage price war spills over to the New Year as rates drop and incentives tempt new customers

How low can they go? Mortgage price war spills over to the New Year

Mortgage lenders are trying to woo new customers. Nationwide and Lloyds are offering reduced rates and £500 cashback while Skipton Building Society has cut its big and small deposit deals. With many of us likely to fix our home loans in 2016, how do these rates stack up?

Newlyweds saved £45,000 deposit towards their dream first home - then lost everything in a cruel new online scam

Pic shows  Sarah Tough and her husband Richard.
They have lost their £45k deposit for their first home to a scam.
A fraudster monitored their communications with their bank and tricked them into sending their deposit into the conmanís account.
They have given the fraudsterís account detail to Barclays but have been passed around.

Sarah and Ritchie Tough, who had hoped to buy a home in Bishop's Stortford, Hertfordshire, are the latest victims of a cruel online con that has hit homebuyers nationwide.

Borrowers pay more than £1bn in unnecessary credit card interest after missing balance transfer payments

Credit card mistakes are costing Brits up to £1.2billion a year in extra interest, research has revealed. The news comes as many will be looking to clear their Christmas and New Year debts.

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

BUDD-e MPV concept is the first to use Volkswagen's all-new electric-car platform

In the same week the US Department of Justice said it was filing a $61billion lawsuit against Volkswagen for cheating diesel emissions tests, the carmaker gave us a first glimpse at how it hopes to repair its reputation with a range of new electric cars.

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

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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? The Fed finally raises rates but will the Bank of England move in 2016?

When will UK interest rates rise?

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.

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

Fight back against the banks: Your guide to the rules of switching and where to find the best current accounts - some will even give you free money!

Banking customers typically stick with their current account provider for an average 15 and a half years. But signing up for a new account can get you a much better deal. Here's how to switch

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

What next for house prices? House price rises ease but London market is picking up again

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After a slowdown earlier this year, the London market appears to be continuing to push ahead of the rest of the UK. We look at the latest figures.

TIPS, TOOLS AND HELP FOR LANDLORDS

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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

Compare your pay to the UK average across 350 professions

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.

Premium Bonds winners

January 2016
Prize value Winning bond No. Area
£1,000,000 200WX818076 Leicester
£1,000,000 198JT390484 Leicester
£100,000 63VY064447 Leicestershire
£100,000 56ZR624661 West Scotland
£100,000 249FA076648 Staffordshire
£100,000 143HD175731 Hertfordshire
£100,000 102KE064086 Devon
£50,000 252DL082709 Leeds
£50,000 241NJ159059 Somerset
£50,000 239GE660218 Hampshire and Isle of Wight
£50,000 232GZ086470 Somerset
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MOST READ MONEY

Tourist rates

Currency Rate Buy now
Updated 12 Jan 2016.
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Canadian Dollar 2.0109 Buy Now
Chinese Yuan 9.1835 Buy Now
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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

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