Savings & investments

I have £90k in easy access account paying 4.5%, want to utilize it better, been thinking of either: Buy to let, purchase one bed flat for around £250k; £90k deposit borrow the rest. This will keep me busy as have free time. Net rent app 5% taxable at 40% plus tenant's headaches and compliances. Plus point is property…

SIX YEARS AGO MOTHER DIED, FATHER DIED PREVIOUSLY TO HER AND THEIR JOINT I.T. ALLOWANCE IS £625K. THE ASSETS CAME TO MUCH LESS THAN THIS SO NO INHERITANCE TAX TO PAY. BECAUSE OF OBSTRUCTIONS FROM THE OTHER EXECUTOR THE SHARES HAVE ONLY JUST BEEN SOLD BUT PROCEEDS STILL COME TO BELOW THE ALLOWANCE. DO THE SHARE PROCEEDS…

I've been with HL for many years and have had little to complain about until now. I use the app and have been logging using my fingerprint for nearly all that time. Then on the 24th Sept it stopped accepting my biometrics and I cannot turn if back on via the app or website. I have phoned twice and emailed their tech…

Good morning, Looking to bed and ISA and minimise time out of market. I've already got the cash in my S&S so can execute the trades at the same time. However, I'm selling a fund (VAATTT) with Scottish Widows and buying ETF (FWRG) with T212. So I'm looking for valuation points for VAATTT; I'm guessing it's at the end of…

Hi All My brain is fried. Can anyone point me in the right direction to save or invest 40k for 6 months only, without having to open lots of accounts all over the place etc. Thanks.

Knowing First Active is part of NatWest Group is a good reason not to touch it. I have had many problems with every NatWest Group account I have ever opened - such as not getting the interest rate that was advertised, not being able to close an account without jumping through endless hoops, etc.

A trust has been set up by my dads solicitors as per my mum and dads wills. My dads house sale is going through and when sold , 50% will be invested in the trust and the other 50% in my dads bank account. My self and my sister are trustees and would like some advise on investing the funds aproximately £240000.

I have saving accounts with flagstone but the monthly statement of interest doesn't match with how much I've been paid. I've contacted them a couple of months ago and told it would be investigated but now I just get ignored? What do I do? I'm nearly £500 down.

Hello MSE forum, I am hoping to get some advice on what to do as I have just sold my flat but have not yet found a further onward property to purchase. I have to move out of the flat I have sold due to exchange and completion dates are set for next month. I have found a rental property in the mean time to bridge the gap. I…

Hi, Has anyone had issues signing up to Union Bank of India at all? I was wanting to open a fixed rate savings account as recommended on MSE. I complete the form and hit the 'verify' email address. This is supposed to send an OTP to my email which I then enter on the site. However, the OTP never arrives…… I tried several…

I'm a newbie to investing. I've just opened an S&S ISA to use up the allowance for this tax year after receiving a small inheritance. I see that as a long term investment (ie to leave something to the kids). My issue is that I'm not sure I really understand the various fund options on the AJ Bell platform. There's so many!…

Hi, My children (16 and 12) have inherited around £8500 each from their grandpaents. The both currently have several Halifax savings accounts and I am looking for recommendations of what to do with this inheritance. Put it all in stock and shares isas? or split it between a S&S ISA and cash ISA? Or split it 3 ways between…

I have continuously lent money since 2016 to a friend abroad, with promises of payments back since 2024. It is now 2 years and 3 months on, and there is no sign of any payments being made. The person was due money back from a sibling house sale, which was going to be paid to cover the money he has got from me. He had made…

Looking for advice to max interest and min tax burden. Just sold my parents property and the money has come to me in the short term. I am a basic rate tax payer. Mum has passed and dad has dementia so we have POA for him. He is in residential care and needs to self fund so ultimately the money will go towards his care but…

Trying to gather information of 25 26 tax year interest .I can't seem to find a way to generate details of interest received from my Principality accounts that are now closed. Anyone know if there is a way to do this? I've sent a message and the reply was that they'd post it but think they must have put a 3rd class stamp…

I have an NS&I Guaranteed Income Bond coming up for maturity. With everything going on in the economy, and the world, which rate/term would you choose?

Has anyone any experience with the former Schroders Personal Wealth ISAs ?

I am interested in taking on the services of a brokerage firm for the 'cashing out' of assets. The problem is they will only take me on as a client if I am a UK resident. I tick most of the boxes e.g. Born and bred, UK passport holder, full family connections, maintaining a bank account etc but I have been oversees for…

Hi all! I’ve been left in the unenviable position of having to sort out a family trust as my mum is no longer able. It’s for a property which is in the process of being sold. There have been issues with the professional trustees and they do very little so it’s all on me. We need to provide bank account details and don’t…

Has anyone figured out how to open the Starling bonus saver account? I opened the current account and deposited money in good faith after seeing this was needed before you can open the bonus saver. The website process for applying for the bonus saver goes to the same page as for opening the current account, which in turn…