Many people in the UK are asking the same question right now: should I overpay my mortgage or invest my spare money? It usually comes up when someone finally has a bit of breathing space. Bills are covered, life feels more stable, and there is some money left over at the end of the month. Not a fortune, just enough to matter. With mortgage rates higher than they were in the past, savings accounts paying more than they used to, and investing still feeling uncertain, it is no s

As we approach the end of the tax year on 5 April, it’s a good time to pause and check whether you’ve made the most of the allowances available to you. Many of these reset at the start of the new tax year, and once they’re gone, they’re gone for good. Below is a simple overview of the main allowances and account types available in the UK tax system, and why they’re worth paying attention to before the tax year ends. ISAs – Tax‑Free Savings and Investing Individual Savings Acc