Home & bills
Home insurance, mortgage renewals, energy, broadband, council tax and the TV Licence, explained.
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Boiler cover renewal gone up? Your three real options
Boiler cover renewal gone up? New-customer prices are often far lower for the same cover. How to compare, haggle or switch without a gap.
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Home insurance renewal gone up? How to pay less
Home insurance renewal gone up? Why premiums rise, the FCA rules on renewal pricing, and how to cut the quote without cutting the cover.
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How to check when your broadband contract ends
Find your broadband end date in minutes, know the end-of-contract notice rules, and your rights on price rises and switching — before you overpay.
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How to check your council tax band (and challenge it)
Check your council tax band free on GOV.UK, see how bands work, and learn when — and how — you can challenge a band you think is wrong.
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Is boiler cover worth it?
Boiler and home emergency cover can save a big repair bill — but it often overlaps with your home insurance. Here’s how to decide without paying twice.
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Missed a bill payment? What to do now
Missed a bill? Act fast: council tax gives you 7 days before the whole year falls due; energy has a 28-day rule. What happens per bill, what to do today.
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Missed a council tax payment? What happens next
Miss a council tax instalment and a reminder gives you 7 days — then the whole year falls due. What happens next and how to stop it.
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Mortgage overpayments: how they work (and the 10% rule)
Overpaying your mortgage cuts the term and total interest — but watch the annual overpayment limit. Here’s how it works and when it’s worth it.
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Moving house? Your TV Licence doesn’t move itself
Your TV Licence doesn’t move with you automatically. How to update it when you move, when two homes need two licences, and how refunds work.
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Out of contract on your mobile? You’re probably overpaying
Out-of-contract mobile bills quietly overcharge. How to check your end date, the notices your provider must send, and the switching options.
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Product transfer vs remortgage: which is worth it?
A product transfer takes minutes with no affordability checks — but convenience has a price. When staying with your lender wins, and when it doesn’t.
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Stamp duty explained (SDLT) — how it works
Stamp duty is a tax you pay when buying property. Here’s how the tiered bands work, first-time buyer relief, and where to check the current rates.
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What happens if you don’t pay for a TV Licence?
A TV Licence is £180 a year and covers live TV and BBC iPlayer. Going without is a criminal offence with fines up to £1,000. Who needs one, who doesn’t.
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What happens if your home insurance lapses?
A lapsed home policy means no cover and awkward questions on the next application. What happens, and how to fix it fast.
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When should you remortgage in the UK?
Start 6 months before your fixed deal ends — you can lock a rate that early. What the SVR costs, the 4–8 week timeline, and your Mortgage Charter rights.
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Your fixed energy tariff is ending — what to do
When a fixed energy deal ends you’re moved to your supplier’s standard variable tariff, which can cost more. Here’s how to decide your next move.
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