Moneykind Guides
Simple, approachable introductions to common money questions. Browse the topics below, then speak with a suitable professional if you need individual guidance.
First-time buyer mortgage guide
Budget for the deposit, mortgage repayments, stamp duty where applicable, legal costs and moving expenses.
Read guide →Remortgaging explained
Check when your current deal ends, whether early repayment charges apply, and what you want to achieve.
Read guide →How much could I borrow?
Lenders consider income, expenditure, commitments, credit history and their own affordability rules.
Read guide →Self-employed mortgages
Lenders may review accounts, tax calculations, bank statements and trading history.
Read guide →Buy-to-let mortgages
Rental income, deposit, property type and borrower circumstances can all affect options.
Read guide →Life insurance explained
Life cover may provide a payment following the death of an insured person during the policy term.
Read guide →Income protection explained
Income protection is designed to replace part of earnings if illness or injury prevents work, subject to policy terms.
Read guide →Critical illness cover explained
Critical illness insurance can pay on diagnosis of specified conditions meeting the policy definition.
Read guide →Home and landlord insurance
Buildings and contents cover protect against different risks, and landlord policies may include additional features.
Read guide →How to choose a financial adviser
Check an adviser’s authorisation, areas of expertise, fees and whether advice is independent or restricted.
Read guide →Pensions explained
Pensions can help build retirement savings and may have tax advantages, subject to rules and individual circumstances.
Read guide →Planning for retirement
Estimate retirement expenditure and compare it with expected pension and other income.
Read guide →Investing basics
Investments can rise and fall in value, and you may get back less than you invest.
Read guide →Sole trader or limited company?
Business structures differ in reporting, taxation, administration and legal responsibilities.
Read guide →Self Assessment tax returns
Keep accurate records of income, allowable expenses and relevant deadlines.
Read guide →Bookkeeping basics
Record income, expenses, invoices and receipts consistently.
Read guide →VAT for small businesses
VAT registration and reporting obligations depend on the nature and scale of your activities.
Read guide →Payroll and PAYE basics
Employers may need to operate PAYE and maintain accurate payroll records.
Read guide →Commercial mortgages explained
Commercial mortgages can finance eligible business or investment property.
Read guide →Bridging finance explained
Bridging finance is usually short-term borrowing, often secured against property.
Read guide →Development finance explained
Development finance may support property construction or refurbishment projects.
Read guide →Asset finance explained
Asset finance can help fund equipment, vehicles and machinery.
Read guide →Business loans explained
Business borrowing can fund investment or cash flow, subject to lender assessment.
Read guide →Why make a will?
A will sets out wishes for your estate and can help reduce uncertainty for those left behind.
Read guide →Lasting powers of attorney explained
A lasting power of attorney can allow chosen people to make certain decisions if you cannot.
Read guide →Trusts explained
Trusts are legal arrangements used for different planning purposes.
Read guide →Inheritance tax basics
Inheritance tax depends on estate values, reliefs, exemptions and current rules.
Read guide →When should you update your will?
Major life events may mean your existing will no longer reflects your wishes.
Read guide →