How badly are your Isa and pension hit when the stock market crashes? We answer four of the big questions on savers' minds

How badly are your Isa and pension hit when the stock market crashes?

THE FTSE 100 fell into bear market territory this week, meaning it was down more than 20 per cent from the heady highs of 7,123, which it reached last April. Although it has climbed back a bit since then, savers are panicking because billions of pounds in pensions and Isas is held in the stock market.

The Bank of England has ruled out any imminent interest rate rise, so is it time to forget about fixed-rate mortgages and take a chance on a tracker?

Falling stock markets have pushed back the prospect of an interest rate rise, leaving mortgage borrowers to question how necessary it is to fix their home loan.

Millions of savers face pension shock in Budget: We reveal tricks to guard your nest egg from tax onslaught

Tricks to guard your pension from tax onslaught before Budget 2016

We explain what is happening to pensions, who will be hit, and what can you do to mitigate the damage. Wealthy savers are being warned to overhaul their pension arrangements and bung as much into their pots as possible up to current tax limits before the Budget on 16 March. The big threat is that Chancellor George Osborne will introduce a 'flat rate' pension tax relief system - ditching the principle that everyone saves for retirement from untaxed income.

LAURA WHITCOMBE: I didn't find inner peace doing my tax return before 31 Jan - HMRC gave me the wrong advice and I nearly overpaid my student loan

Inner peace. That's what HMRC is promising if you complete your tax return and by January 31. Well guess what? I just completed mine and have I found inner peace? Fat chance.

UK households underestimate the annual cost of bills by £2,500 or 63% - mostly thanks to expensive TV and broadband deals

Mature man sitting on floor by sofa, reading papers
Used with Metro article looking at switching to cheaper bills
creative rights managed

The sum of money spent by households on council tax, utility and broadband, TV and phone bills last year was on average just below a whopping £4,000.

Car for sale: One careful owner, 1,130 miles, £1.8 million. This super-rare used Bugatti Veyron may have an outrageous price, but wait till you see the running costs

Dread that moment when your car mechanic tells you that you need to fit four new tyres to your car? Imagine the groan of discontent if he then told you a set of new rubber cost £24,000.

The end of the Jumbo Jet? Boeing to halve production of iconic 747 as no orders were placed for the fuel-hungry aircraft last year

BOEING 747 400 JUMBO JET

The world's biggest plane maker said it would now only make six jumbos a year. It had having previously announced the rate would drop from 1.3 per month to one per month.

Like
MailOnline

Follow
@MailOnline

   

DON'T MISS

MARKET REPORT: Home Retail up amid rumours Sainsbury's is closing in on its planned takeover of the Argos owner

MARKET REPORT: Home Retail up amid rumours Sainsbury's is closing in on its planned

Representatives of the two sides were said to be hoping to sign off an agreement in the early part of next week, ahead of the Takeover Panel's 'put up or shut up' deadline of February 2. Talks are thought to have taken on added urgency amid market chatter that rival supermarket chain Asda, owned by US giant Walmart, was also eyeing Home Retail.

James Bond's £1m Aston Martin concept car goes up for auction (but it is not even allowed on public roads) 

The Aston Martin DB10, built exclusively for the latest James Bond film "Spectre," is displayed at the 2015 Los Angeles Auto Show in Los Angeles, California, November 19, 2015. The debut of the DB10 in the latest film continues a more than 50-year partnership between Bond and Aston Martin dating back to the iconic Aston Martin DB5 in the 1964 Bond film "Goldfinger."  AFP PHOTO / ROBYN BECK        (Photo credit should read ROBYN BECK/AFP/Getty Images)

One of only ten built as a concept model for the movie, the car (pictured) has never been in production and is not allowed on public roads.

Google 'agrees' to pay £130m in extra UK tax after outrage when it coughed up just £20m on UK sales of nearly £4bn 

The internet giant Google will pay back taxes of £130million following a six-year probe by HMRC, and insists future tax payments will 'reflect the size and scope of our UK business'.

The week of 10,000 job cuts: Losses at Asda, Brantano, Pearson, Tata, Legal & General and Virgin spell gloom for workers

The Job Centre Plus sign

Asda is culling 200 jobs in Leeds and Leicestershire and is consulting with 5,000 shop workers which could lead to further job cuts across its stores.

Amazon wages war on grocers: Online retail giant hires 2,500 staff as Ocado becomes a takeover target 

Amazon workers pack goods ready for shipping at the Amazon distribution centre, Swansea, Wales. 
The centre is the largest in the UK, shipping not only domestic packages, but also internationally. 
Ahead of Monday 6th December, predicted to be 'Cyber Monday' - the busiest online shopping day in 2010. The centre is 800,000 sq ft, which is bigger than 10 football pitches and ranks among one of the largest Amazon distribution centres globally. 

PRESS ASSOCIATION Photo. Picture date: Friday November 26, 2010. 
Photo credit should read: Ben Birchall/PA Wire

The internet giant is bolstering its operations in the UK by hiring more than 2,500 staff - just months after launching a food delivery service for its British customers.

ALEX BRUMMER: Draghi brokers a temporary truce for shares but uncertainty remains the prevailing wind

Daily Mail City Editor Alex Brummer.
byline

How curious that it took the head of the European Central Bank (ECB) Mario Draghi, who presides over a hopeless monetary union, to halt the bear tide gripping markets this week.

What should investors do in a market meltdown? Hold your nerve, rebalance your portfolio, and watch five key indicators for signs of recovery, say experts

What should investors do in a market meltdown?

Investors watching markets go wild in the past few weeks will be wondering whether they can afford to brazen out further dramatic falls. A slump in oil prices below $30, mounting evidence of an economic slowdown in China, and worries about the impact of higher interest rates in the US have ravaged markets - knocking billions of pounds off the value of UK stocks. So what should investors do in this adverse climate? We round up advice from the experts.

The transfer your investments window: Fidelity offers up to £1,500 cashback for Isa and Sipp savers who switch

The football transfer window may be in full swing, but Fidelity is also doing its best to tempt investors to make their own big money moves.

New savings minnow launches best buy fixed-rate bonds at up to 3.2% - but is Milestone Savings a safe place to squirrel away cash?

Milestone Savings - which is part of Gatehouse Bank, an investment bank based in London - has one-year and five-year fixes that are offering better rates than are currently on offer.

The seven golden rules of buy-to-let: How rental property can still be a good investment if you do it properly

The seven golden rules of buy-to-let

'The UK population is rising faster than in any other EU country. The one million home shortfall is likely to result in higher rents. This will provide opportunities for landlords,' says London estate agent Jeremy Leaf. But, given the new regulations, first-time investors must plan scrupulously. We've drawn up seven golden rules to make sure you get the best from buy-to-let.

Britain's burglary hotspots revealed: Homes in London's Tulse Hill and Dulwich and the capital's suburbs suffer the most

Tulse Hill and Dulwich in south London are the most likely postcodes to be burgled anywhere in the UK, new figures reveal.

Debt map of Britain revealed: The areas of the UK where households are most likely to seek advice over problem debts

Those living in London, Hull and Manchester are among the most likely to seek professional debt help, according to new research from StepChange and Experian.

'You need to look for the next big thing, not the thing that's big now': As she takes on estate agents, property TV star Sarah Beeny reveals her start-up secrets

Tepilo's Sarah Beeny reveals her start-up secrets as she tries to disrupt property

TV property star Sarah Beeny has disrupted two industries - estate agencies and online dating - with the companies she has founded. Here she tells us her start-up secrets, including the single most important quality she looks for in an employee and why young businesses that put customers first can thrive.

When will my £38k student loan payments kick in? I've secured my first 'proper' job but haven't yet been charged

My starting pay is £20,500 and will rise to £23,700 next year once my training is complete. When will I start paying my student loan? I haven't paid a penny since I graduated in September.

Switch your bank as you would your mobile to save and make money, says account switching boss ANNE PIECKIELON

More should consider a bank account healthcheck and switching banks to save and make money, urges Anne Pieckielon, of the Current Account Switch Service.

Interview with director of THE BIG SHORT: Adam McKay reveals why he went from making films like Anchorman to one about subprime mortgages...and who he would lock up for the financial crisis

The Big Short director Adam McKay on making a film about financial crisis

As The Big Short is released in cinemas this weekend, This is Money sits down with Oscar-nominated director Adam McKay and finds out what he thinks we can do to stop another financial crisis.

Asda staff face canteen cut as supermarket also considers axing store services in battle with Aldi and Lidl

File photo dated 01/05/15 of the entrance to Asda's head office in Leeds, as the supermarket is set to cut hundreds of jobs with the UK's supermarket price war continuing to reshape the industry. PRESS ASSOCIATION Photo. Issue date: Monday January 18, 2016. The chain, which is owned by US retail giant Walmart, said it will make cuts in the "low hundreds" at its Leeds head office, which employs 3,000 people. See PA story CITY Asda. Photo credit should read: Chris Radburn/PA Wire

Staff are involved in consultations as it reviews the future of some of the services it has in stores, including photo centres, 'Create your own pizza' counters and its George at Asda customer desks.

Exclusive: Camelot reveals record £139m of Lotto sales as Britons snapped up 400 tickets a second in run-up to £66m jackpot

Camelot has told This is Money that it saw a 'record week' for National Lottery sales in the run-up to the bumper jackpot of £66million on Saturday 9 January.

What's it like to use a £300,000 car in real-life? From parking stresses, to the gearbox that knows the open road ahead, we test the Rolls-Royce Wraith

What's it like to use a £300k Rolls-Royce in real life? We test the Wraith

The Wraith is the smallest, and most powerful Rolls-Royce of the moment, but with a price tag of £235k is it a car you can really enjoy driving every day? We used it as a daily commuter through the city, on twisty B-roads and mundane motorways to find out in our real-life test drive.

Motorists in the North East, hold your heads high - a leading car insurer's 'blackboxes' show you're the best drivers in the UK

Many of us think we're the greatest driver in the country, but where do you think the best motorists live? Stand up Geordies, Mackems and Smoggies, as, according to Direct Line, it's the North East.

Asda cuts diesel to 97.7p as Osborne claims collapsing oil price is good for us all (but AA insists pump prices are not falling fast enough)

ASDA Superstore petrol filling station

Asda has fired a fresh blast in the supermarkets battle to drag more shoppers into stores by tempting them to come to their sites and fill up, while the Chancellor put a gloss on the tumbling oil price.

SIMON LAMBERT: £74 a month for dodgy broadband, a phone I don't use and a large selection of bad TV... I must be mad

Virgin's £74 for dodgy broadband, a phone I don't use and some bad TV... I must be mad

The art of milking customers has been skilfully demonstrated by our TV and telecoms giants. What I need to do is call up and threaten to leave unless I get a much better deal. However, the problem is that when I sit down to compare the packages different providers offer, the industry's confusion pricing nudges me into giving up before I can complete the task. Fortunately, time appears to have been called on their confusion pricing.

A black box in your car won't tell police if you're speeding or record conversations: How common myths about telematics are putting drivers off

Three in ten drivers think if they put a black box in their car, to monitor their driving and potentially cut their insurance premiums, their own data will be shared, according to new research.

The £100 car insurance hike: AA report said premiums rose by 20% in a year with false whiplash claims accounting for half the leap

An average comprehensive annual policy cost £625.70 in the final quarter of 2015 - a 20 per cent increase compared to the same months in 2014, according to an AA insurance index.

Britain's burglary hotspots revealed: Homes in London's Tulse Hill and Dulwich and the capital's suburbs suffer the most

Britain's burglary hotspots revealed to be in South London and it's suburbs

Tulse Hill and Dulwich in south London are the most likely postcodes to be burgled anywhere in the UK, new figures reveal. While postcodes in the capital dominate a top 20 list of home theft hotspots, parts of Manchester, Leeds and Milton Keynes also feature.

When will interest rates rise? 'Now is not yet the time to raise,' says Carney, as turmoil strikes global economy

When will UK interest rates rise?

Bank of England Governor says that collapsing oil prices, lingering low inflation, slowing UK growth and a 'weaker' global economy meant the MPC is in no hurry. Predictions for a first rate rise have now drifted out to late 2016 or even later into 2017.

Hedge funds bet that shares in Shell and Sainsbury's will fall further as both firms suffer disastrous starts to 2016

Sainsbury's supermarket North Greenwich, London

Shell, which is down nearly 15 per cent so far this year and is hoping to buy gas giant BG Group in a £36billion deal next month, has around 5 per cent of its shares out on loan.

Teletubbies team up with Fireman Sam as toy distributor Character Group announces boardroom shake-up

Television Programme: Fireman Sam.

Character Group launched the range based on the multi-coloured children's TV characters this month. It is one of several products the group is introducing this year.

Shoppers rein in Christmas spending on High Street as retail sales fall sharply compared to 2014

Bargain shoppers out on Oxford Street, London, on the day after Boxing Day.
PICTURE - MARK LARGE - 27.12.15

Retail sales, excluding fuel, fell by 0.7 per cent in value in December compared to a year earlier, the first annual fall since May 2009.

Apple boss Tim Cook in private talks with EU chiefs weeks before ruling on whether it needs to pay billions in Irish back taxes

Apple CEO Tim Cook testifies on Capitol Hill in Washington, Tuesday, May 21, 2013, before the Senate Homeland Security and Governmental Affairs Permanent subcommittee on Investigations as lawmakers examine the methods employed by multinational corporations to shift profits offshore and how such activities are affected by the Internal Revenue Code. 

Lawmakers want to know the tax strategy of how Apple, the world's most valuable company, based in Cupertino, Calif., holds a billion dollars in an Irish subsidiary as a tax strategy, according to a report issued this week by the subcommittee. 

(AP Photo/J. Scott Applewhite)

It emerged that Cook visited Brussels this week to meet with European commissioner Margrethe Vestager, the EU competition chief.

SMALL CAP MOVERS: Special situations remain the only real triggers for stoic investors still holding small cap oil stocks

SMALL CAP MOVERS: Special situations remain the only real triggers for stoic investors

Worldview Capital, Petroceltic's largest shareholder with 29.6%, this morning announced it was preparing a possible all cash offer for the oil and gas firm. A surge in Petroceltic's share price indicated some optimism over its current debt conundrum. Earlier this week, investors in Empyrean Energy were celebrating as the AIM oiler agreed to sell its 3% stake in Marathon Oil's operations at the Sugarloaf project for an upfront $61.5mln.

Government in crunch talks with investment firm in bid to save 4,000 jobs at Scunthorpe steel plant

File photo dated 20/10/15 of a view of a Tata Steel sign, as the Government is set to come under fresh pressure to help the steel industry as workers are braced for more job losses. PRESS ASSOCIATION Photo. Issue date: Monday January 18, 2016. Tata is expected to announce around 1,000 job cuts at plants including Port Talbot and Llanwern in south Wales. See PA story INDUSTRY Steel. Photo credit should read: Anna Gowthorpe/PA Wire

Greybull Capital met with officials to request a series of financial concessions, which sources say are key to it agreeing a successful rescue deal with Tata Steel.

'Women are worth £20trillion': Harry Potter star Emma Watson takes her gender equality campaign to Davos

Actress Emma Watson attends the 2015 Time 100 Gala at Frederick P. Rose Hall, Jazz at Lincoln Center on April 21, 2015 in New York City.  (Photo by Andrew Toth/FilmMagic)

Miss Watson, head of the HeForShe campaign that attempts to include men in the battle for equality, said full female participation in the global workforce could boost output by nearly £20trillion within a decade.

House prices in London, the South East and East Anglia are 'poorest value' in the UK, but will still rise by 5% a year for five years

House prices in London, the South East and East Anglia are 'poorest value' in the UK, but

House prices in London, the South East and East Anglia will rise by 5 per cent a year over the next five years, despite offering the 'poorest value for money' in the country, research suggests. Across the country, prices will rise by an average of 4.5 per cent a year until 2020, the Royal Institution of Chartered Surveyors said. In the rental market, prices are expected to rise by just under 5 per cent a year over the next five years, RICS adds.

Make pensions simpler and stop punishing people for saving too much, says former minister STEVE WEBB

The Chancellor must use his Budget to scrap absurd and complex limits on pension saving which penalise rather than reward those who have worked and saved hard, says Steve Webb.

LEE BOYCE: The pound has tumbled against the euro - so was the £10k cut to savings compensation bad timing?

One move by the Bank of England which irked savers last year was reducing the FSCS limit by £10k to £75k - now, with the pound weakening, are we now under-protected?

Worried about stock market turmoil and the state of world economy? Here's how to prepare if this is a new financial crisis

Worried about the state of world economy? Here's how to prepare if this is a new crisis

With oil prices and stock markets tumbling, and families piling up debts, predictions have emerged of another financial crisis. As fears of a slump grow, Holly Black takes a look at the risks, how to avoid them and how to profit by sorting your mortgage, any debts and your bills.

The Welsh town that has moved its local businesses 'offshore' to shame HMRC into tackling tax-avoidance of Amazon and Google...

Crickhowell: The Welsh town taking on Google, Amazon and Starbucks as it takes its

The residents of Chrickhowell in the Brecon Beacons are attempting to shame HMRC into changing loopholes that allow big corporations to legally avoid paying tax. The town appeared in a documentary on BBC Two last night called The Town That Took On The Taxman.

Mobile phone companies are worse than energy companies and banks for letting customers get into debt problems, charity claims

A young woman texting using Apple iPhone. 


Image shot 2012. Exact date unknown.
D2DE5G

Citizens Advice added that they sometimes offered customers contracts which are too expensive and often failed to set affordable repayments plans for customers who fall behind.

Hands off our pensions Chancellor! Osborne plotting devastating raid on the retirement dreams of the middle classes

Hands off our pensions Chancellor! Devastating raid that could inflict retirement hardship

Today we launch a campaign to stop savers' pensions being destroyed by desperate politicians - revealing a plot to raid savers' pensions for billions of pounds. Plans being discussed by senior civil servants in the Treasury could remove almost all the benefits of putting money aside for retirement.

RACHEL RICKARD STRAUS: If Osborne is so keen to future-proof the economy against reckless governments why is he inviting them to pilfer our pensions?

Britain's Chancellor George Osborne speaks at the Bank of England's Open Forum 2015 conference on financial regulation in London, England.


November 11, 2015. REUTERS/Suzanne Plunkett

It may not be Osborne who goes down in history as the Chancellor who chomped away at our retirement nest eggs. But it'll be he who laid the table for future generations.

Raid on 1.5million pensions attacked by former minister: Stop dipping into piggy bank, Steve Webb tells Osborne over his tax raid on nest eggs 

The former minister who masterminded Britain's pension revolution, Steve Webb, turned on Chancellor George Osborne for plans which could snare up to 1.5million workers.

The dirtiest cars revealed: Study finds 95% of diesels exceed nitrogen oxides threshold - with one 15 times the legal level

The dirtiest diesels revealed: Study finds 95% exceed nitrogen oxides threshold

Defeat devices or not, the vast majority of diesel cars emit far more than the legal limit allows. That's according to new research revealed by Which? on Wednesday. It said 38 of the 300 cars it had tested in the last three years couldn't even qualify for emissions standards set more than two decades ago.

Breakdown bust-up: RAC gets the AA's TV advert banned after crying foul over claims made by rival

The AA and RAC have been at loggerheads for the best part of a century, but the scrap has heated up after one managed to get the other's TV advert banned for making misleading statements.

ASK TONY: Nationwide taxed my 11-year-old grandson - and won't pay him back

ASK TONY: Nationwide taxed my 11-year-old grandson - and won't pay him back

When my grandson was ten, he opened a savings account with Nationwide in his own name. This was in 2014. It has made a catalogue of errors since, including opening the wrong type of account. The latest was in September, when tax was deducted from his interest. I have been fobbed off time and again with the excuse that my grandson needs to be with me for 'security reasons'. I'm not sure how an 11-year-old is supposed to sort out tax problems.

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? 'Now is not yet the time to raise,' says Carney, as turmoil strikes global economy

When will UK interest rates rise?

Bank of England Governor says that collapsing oil prices, lingering low inflation, slowing UK growth and a 'weaker' global economy meant the MPC is in no hurry. Predictions for a first rate rise have now drifted out to late 2016 or even later into 2017.

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

spt_split-weather-houses.jpg

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.

What next for mortgage rates? Borrowers are in a sweet spot, so is it time to fix?

A stock photo of a miniature toy house .

E08RMN

Borrowers could be in something of a sweet spot, with lenders keen to lend, house prices rising and a first rate rise still considered a way off. We look at the best mortgage rates.

TIPS, TOOLS AND HELP FOR LANDLORDS

Partner services

Landlord insurance

Quick, easy - compare and buy today

Find a mortgage

Buy-to-let rates and advice

Boiler cover

Insure your heating system for less

easyProperty.com

Find tenants - from £9.99

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
More Premium Bonds winners
   

MOST READ MONEY

Tourist rates

Currency Rate Buy now
Updated 23 Jan 2016.
Euro 1.2911 Buy Now
US Dollar 1.3985 Buy Now
Australian Dollar 1.9676 Buy Now
Canadian Dollar 1.98 Buy Now
Chinese Yuan 8.9908 Buy Now
Croatian Kuna 9.7355 Buy Now
Czech Koruna 34.439 Buy Now
Danish Krone 9.4951 Buy Now
Egyptian Pound 9.6984 Buy Now
Hong Kong Dollar 10.769 Buy Now
Hungarian Forint 396.51 Buy Now
Israeli New Shekel 5.3946 Buy Now
Japanese Yen 164.29 Buy Now
Malaysian Ringgit 6.2624 Buy Now
New Turkish Lire 4.1377 Buy Now
New Zealand Dollar 2.12 Buy Now
Norwegian Krone 12.108 Buy Now
Polish Zloty 5.6631 Buy Now
Singapore Dollar 1.98 Buy Now
South African Rand 22.825 Buy Now
Sterling 1.0 Buy Now
Swedish Krona 11.8 Buy Now
Swiss Franc 1.3984 Buy Now
Thai Baht 49.393 Buy Now
UAE Dirham 5.096 Buy Now

Long-term savings

Monthly savings plan

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

Results
Or lump sum investments

Calculate how much a lump sum investment could be worth.

Result

Mortgage Affordability Calculator

Your monthly payment

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

Result
Your total mortgage

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

Result
Are you over-stretching

How much of your income goes on your mortgage?

Result