§ 02 · The Ledger
What moved in UK money this month — rate decisions, house price data, tax and allowance changes — and what each one means for the numbers you run through our calculators.
6 pieces, newest first · Prefer the fundamentals? Read our evergreen guides.
HMRC projections put 7.7 million people in the 40% higher-rate band and 1.3 million in the 45% additional-rate band for 2026/27 — both up by about a third since 2023/24. What the thresholds mean for your take-home pay.
Santander's new Regular Saver pays a market-leading 8% AER on up to £200 a month. How the variable rate is built, what you could earn, and how it compares with first direct's fixed alternative.
UK two-year fixed mortgage rates peaked at 5.90% on 12 April having climbed from 4.83% at the start of March (Moneyfacts) before falling to 5.54%. Zoopla put London first-time buyers at +£232/month at peak, the north east at +£66. Here's what the data shows.
Council tax is not being abolished. The November 2025 Budget kept it and added a new High Value Council Tax Surcharge (mansion tax) of £2,500-£7,500 a year on homes worth over £2 million, collected from April 2028. Council tax administration is also being reformed for the first time since 1993. Here is what every figure means.
From 6 April 2027 the Cash ISA allowance falls from £20,000 to £12,000 for savers under 65. The Stocks and Shares ISA allowance stays at £20,000. Here is what the change means, who it affects, and why the 2026/27 tax year is the last full Cash ISA window for under-65s.
From 6 April 2027, most unused pension funds will fall inside the deceased's estate for Inheritance Tax. Here is what changes, who it affects, and how the calculation differs from the pre-2027 treatment.