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    • Manage and grow your pension

      How much to save for retirement and ways to boost your pension

    • Pensions explained

      How to start a pension, how pensions work and the benefits

    • Pension problems and changes

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      How to transfer or combine pensions, and if it’s a good idea

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      How much State Pension you might get and ways to boost it

    • Take your pension

      How and when to take your pension – your options explained

    • Tax and pensions

      How tax relief, tax-free allowances and tax on income works

    • Make the most of your pension

      Understand your pension options and work out your retirement income and costs

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  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
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  • Work
    • Universal Credit Find out how Universal Credit works and how to manage your payment
    • Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    • Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    • Benefits in later life You may be entitled for help with other costs on top of your State Pension
    • Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    • Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    • Problems with benefits What to do if something goes wrong with your benefits
    • Benefits All Benefits guidance
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    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Banking and payments How to choose, use and manage bank accounts
    • Budgeting How to budget, find the best deals and switch to save money
    • Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    • Credit Credit basics, applying for credit, credit ratings and problems with credit
    • Insurance Insurance for cars, health, travel, and help with insurance
    • Everyday money All Everyday money guidance
    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Your options for borrowing money

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Becoming a parent Having a baby, returning to work, childcare costs
    • Death and bereavement Wills, inheritance, sorting out estates
    • Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    • Illness and disability Managing costs, extra financial support, help with work or study
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    • Mortgages and homebuying Mortgages, help buying, remortgaging, first-time buyers, help and support
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    Stamp Duty calculator

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    Mortgage repayment calculator

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    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    • Dealing with debt Bills, court fines, help with debts
    • Money problems and complaints What to do about mis-selling, compensation and complaints
    • Scams Spotting scams and what to do if you’re caught out
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    Tools

    Tool

    Debt advice locator

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    Benefits calculator

    Tool

    Bill prioritiser

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    What to do when you’ve been refused credit

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    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Manage and grow your pension How much to save for retirement and ways to boost your pension
    • Pensions explained How to start a pension, how pensions work and the benefits
    • Pension problems and changes How to find lost pensions, sort out problems and complain
    • Pension transfers and consolidation How to transfer or combine pensions, and if it’s a good idea
    • State Pension How much State Pension you might get and ways to boost it
    • Take your pension How and when to take your pension – your options explained
    • Tax and pensions How tax relief, tax-free allowances and tax on income works
    • Make the most of your pension Understand your pension options and work out your retirement income and costs

    All Pensions and Retirement

    Tools

    Appointment

    Get a free Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find out your pension type

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

    • How to save Getting started, getting the most out of savings, problems
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    Savings calculator

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    Pensions issues? Join our community group

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    • Employment Basics, benefits, tax and National Insurance
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Homes

Mortgages and homebuying

Buying and owning a home can be an important milestone. Whether you’re buying for the first time or downsizing in retirement, our guides can help.

This section talks about the money side of homebuying, no matter what stage you’re in. You’ll learn about mortgages, the costs of buying and selling, and the help available to buy a home.

If you’re having trouble paying your mortgage, want to remortgage or need money for retirement, we’ve got that covered too.

Hot topics

Woman man girl boy mixing dough
Help with mortgage payments

If you’re struggling to pay your mortgage, the government could be able to help. Find out what support is available.

Woman man girl boy mixing dough
Buying a home – what mortgage can I afford?
Before applying for a mortgage, find out how much you can borrow and how to save for the deposit you need.

Articles

Buying and selling a property

  • Buying a house or flat in England, Wales and Northern Ireland
  • Buying property in Scotland – a money timeline
  • Buying a home – what mortgage can I afford?
  • First-time home buyer guide
  • Selling a house or flat in England, Wales and Northern Ireland
  • Mortgage fees and costs when buying or selling a home
  • Leasehold vs freehold: What’s the difference?
  • Government schemes for first-time home buyers and existing homeowners
  • Help to Buy scheme explained
  • What are the Right to Buy and Right to Acquire schemes?
  • What are shared equity and Partnership Mortgages?
  • Stamp Duty – everything you need to know
  • Land Transaction Tax in Wales explained
  • Land and Buildings Transaction Tax – Scotland’s Stamp Duty explained

Applying for a mortgage

  • Islamic mortgages
  • How to apply for a mortgage
  • Remortgaging to get the best deal
  • Getting a mortgage if you’re ill or disabled
  • What to do when your mortgage application is declined
  • Interest only and repayment mortgages explained
  • Understanding mortgages and interest rates

Managing your mortgage well

  • Ways of repaying an interest-only mortgage
  • How to prepare for an interest rate change
  • Increasing your mortgage - getting a further advance
  • Should you pay off your mortgage early?

Dealing with problems with your mortgage

  • Help with mortgage payments
  • Sale and rent back schemes
  • Second mortgages
  • Selling a house fast - quick house sale companies
  • What is negative equity and why it could be a problem
  • Support for Mortgage Interest (SMI)
  • Help for mortgage prisoners

Homeownership in later life

  • Retirement interest-only (RIO) mortgage
  • What is equity release?
  • Dealing with an endowment shortfall
  • Using an equity release scheme to fund your care

Popular tools and calculators

Stamp Duty calculator
Calculate the Stamp Duty on your new property.
Mortgage repayment calculator
This gives you a guide to how much you'd pay each month on a mortgage.
All tools & calculators

Support

Worried about your mortgage?

If you’re struggling to keep up with repayments, download our printed guide  Problems paying your mortgageOpens in a new window (PDF, 2MB)

Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
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