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Getting under Scotland advanced income tax via pension contributions
Hi there , does anyone have a calculation based on the revised advanced Scotland income tax level of 48%, what is the maximum monthly salary you need to aim for to get under that level via salary sacrifice pension? My salary is rising this year and want to be sure I continue to contribute enough to get the remainder taxed…
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Council Tax, LA not responding
Reading Martin's info, I qualify for a Council Tax reduction but the Local Authority has not replied to emails and letters so I continue to be charged the full amount. What can I do?
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IHT on pension pots under existing rules
Over the years I have built up DC pension pots in various personal, executive and SIPP pensions. Under the existing (pre. April 2027) IHT rules are all undrawn pensions pots excluded from IHT or do they need to have been put in a trust with the pension provider?
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Query council tax on deceased MIL house
Hi just hoping for some advice on querying a council tax bill on my deceased mother in laws house. She was in a care home for 4 years and her home was rented out to help pay care home bills. The council tax was paid for by the tenants. They gave notice to move out last March and we were in process of redecorating it before…
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Scottish Budget 2026: Income Tax and Council Tax changes confirmed – here's what they mean for you
Scottish Finance Secretary Shona Robison has announced a rise in some Income Tax thresholds, new Council Tax bands for high-value properties, and an increase to the Scottish Child Payment, plus more as part of the Scottish Budget for 2026-27. We've rounded up the key changes and what they mean for you... Read the full…
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Self Assessment - GovGateway ID says not used in 3-years
Hi, The last time I required to logon to to HMRC GovGateway was 3-years ago. Fast forward and I went to logon to submit my return for 2024-2025, but when I logon I get below error. We have deleted this user ID and password. This is to protect you against malicious or fraudulent attempts to access your details. It could be…
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Payments on account for savings interest?
Assuming your only income were to be savings interest, or you were to earn more in savings interest than from PAYE/pension, would you liable to pay payments on account to HMRC? It's unclear from what I can see online, as everything talks about tax, but also class 4 NICs, indicating that it's applicable from some form of…
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musing on putting a holiday home in the name of adult kids
Just musing at this point. We have a holiday home abroad that we are considering selling. I know CGT will be payable, here and abroad. If we do sell, we would then buy a holiday home in the UK to make travelling easier than having to fly abroad. We are early 60s with 2 adult children in their 30s who are already home…
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Online communication with HMRC
I'm not sure if this is the right place. If not, perhaps someone can redirect me. I completed my Self-Assessment tax return on 3 January and paid the tax on 7 January. Today I received a letter from them dated 6 January, ie before the payment, acknowledging the return but containing details which I want to clarify. My…
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Requirement to register for self-assessment
Just before Christmas I received a letter from HMRC stating that I asked to register for self-assessment or met a criteria for needing to be registered. It can only be the latter, as I haven't asked, and do have some house sale proceeds earning interest. I am retired, on a modest pension, but the building society interest…
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AIA - Acquisition & Disposal in Same Tax Year
Hi all! Just a quick question re: AIA, if someone could assist? I'm a sole trader, not VAT registered. I purchased a computer in the tax year 20-21 for £1000. I apportioned 60% for business use, 40% private use. I therefore claimed £600 AIA in my 20-21 tax return. In the last tax year 24-25, I sold the above computer for…
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Unmarried couple with two properties - CGT & Council Tax queries
Bit of a long thread, but I want to ensure I remain compliant with tax laws but do not over-pay unnecessarily: * My partner and I - we are not married and will not be getting married - have sold our two flats that we owned before we met. * He will stay with his Mum until we purchase a house together, hopefully later this…
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One in five councils in Eng/Wal getting it wrong on Council Tax Carers Discount
An investigation by MoneySavingExpert.com into 'the councils that couldn't Care less' has found that, in a spot check, at least 69 councils in England and Wales have information about the live-in Carer Council Tax discount on their websites that incorrectly indicates far fewer people are eligible than really are. This is…
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Finalisation of inheritance tax.
I've recently had to sort out my late mother's estate and this included paying the IHT that was due. The sum required was calculated by an agent who specialises in this and the amount estimated to be owed along with all of the associated forms has been submitted to HMRC a few couple of months ago. Does anyone know how long…
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tiny salary but lump sum for a house deposit means SLC want half son's salary's worth this year
My son is struggling on an entry level teacher's salary. He has a small amount deducted each month for student undergraduate and postgraduate loans as just over the thresholds. As a trust beneficiary he received £70,000 from a trust in the tax year 2024-5 for a house deposit, which he then used to buy a tiny 1-bed place…
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Doing tax return, questions about different income sources
I've worked out after deducting expenses from income on self employed work I earned £250. I worked for two companies mainly. I think first didn't pay my tax (not sure) but second did. Do I input these figures in photo from my P60 into my tax return? Are they from the two companies? As well as my self employed income or do…
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Tax return and Student Loan repayment
I'm presently filling in my UK tax return and I got a nasty surprise. For context, I have a full time job as an employeee, but over the last few years I have a local stall, (very low turnover) selling collectable items I paid off my student loan via a lump sum in late April 2024, so only £146 was taken from my pay during…
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Struggling to pay back a LTD company tax bill
Hi, I've been struggling to pay back huge debts over the years but it's got to the point I can no longer pay them as they currently stand. I'll try to cut a long story short. Started an online business as a sole trader. After x amount of years, turned that business into a limited company. Received bad advice from an…
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Self Assessment and overpayment...
I have overpaid tax repayment from last years return. According to my HMRC account this overpayment is available for repayment. However, I am about to submit my return for 2024/25 and anticipate I will owe some tax. How can I offset this with the overpayment sitting in my account from last years return?
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Calculating max SIPP withdrawal to avoid 20% tax
I am heading towards retirement a couple of years before accessing SP and want to withdraw the max from my SIPP to avoid paying 20% tax. On https://www.tax.service.gov.uk/guidance/work-out-tax-on-your-savings-or-dividend-income/start/tax-year I have entered:Dividend income £13,500Savings £3,500Other income £15,170.The site…
