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Ask the experts: finance

  • Close-up of woman holding house key in new home

    My sister is buying our dad’s house – I’m worried about my inheritance

    I’m worried it’s below market value – should our sibling who has power of attorney stop her?
  • Holiday let sign

    Should we sell or rent out our Cornish seaside flat to be nearer the grandchildren?

    We can’t decide whether we should rent the property out long term or as a holiday let, or maybe even sell it
  • House for rent

    We rented out our former home – how much CGT to pay?

    There has been little appreciable gain in price during the time the house was let
  • Property for sale in Edinburgh

    Should we sell our home before moving to Scotland?

    We’re wondering what the tax implications will be if we end up owning two properties
  • Monopoly houses on £1 and £2 coins on top of banknotes

    Should I put money I inherited towards an Isa or the mortgage?

    I have a lot to pay on the mortgage but I wonder whether putting it into my pension might save on tax
  • Small modern kitchen with fitted units

    Can we separate out fixtures and fittings with a help-to-buy Isa?

    We are hoping we can make an offer for the Isa maximum and pay separately for these items
  • Happy elderly lady receives a cup of tea from carer companion

    My aunt wants to sell her house to a friend for a bargain price

    She wants to leave a care home but doesn’t have the money to refurbish her house as she wants
  • Model house in front of British pound notes and coins

    Should I stop pension contributions to get a bigger mortgage?

    Most lenders appear to take these into account when deciding how much to lend
  • New-build homes

    What happens if I convert a help-to-buy Isa to a lifetime Isa?

    We want to buy a home costing more than £250,000 – the limit for help-to-buy outside London
  • Mastercard, American Express and Visa credit cards with UK one pound coins

    I have £25,000 in credit card debt – can I get a mortgage?

    I have not missed any payments but fear I will be rejected due to my maxed-out cards
  • For sale signs outside a block of flats

    Should I keep my cash in a savings account or a lifetime Isa?

    I’m thinking about buying a property, but I’m worried I’ll face penalties if I decide against it
  • An estate agent’s ‘sold’ sign outside a property

    What should I go for in my divorce settlement?

    I’m in a dilemma as to whether to go for the house, which I would rent out and then use the income to buy another property
  • A Halifax branch sign outside an estate agents

    Can I keep my help-to-buy Isa even though I've now got a house?

    I don’t want to give up my my Halifax Isa as the interest is hard to beat – I’m not sure if I’m breaking any rules
  • Checkbook Register

    Should I cash in my endowment early to pay off my mortgage?

    I’m thinking of topping up its current cash-in value with a personal loan so I can pay off the mortgage when my deal ends
  • Why does my uncle have to pay capital gains tax?

  • How can I improve my credit rating?

  • Is equity release a better option than downsizing to boost savings?

    What's the best option for raising extra finance, equity release plans or the emotional route of downsizing?
  • Can I reclaim my tax payments?

    I've found a website that will reclaim any tax I've overpaid for a 40% cut of anything I get back. Is there a cheaper way I can do this?

  • Can I sue British Gas?

    British Gas fitted us a new boiler. In the first two months it has broken down three times, and they've been less than helpful I would love to sue for my losses so far. Can I do this?

  • How does a deed of variation work?

    With the recent changes to inheritance tax there has been no mention of the deed of variation, which my wife and I were told by our solicitor to include in our wills. Do we need to update them?

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