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Whether you’re planning ahead, claiming what you’re owed, or just trying to make sense of it all — here you’ll find the support you need to move forward with confidence.
Personal Taxes and Rebates
Pensions and Retirement Planning
Payroll and Salary Management
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What Can We Help You With Today?
Understanding your rights and finances doesn’t have to be overwhelming. Here’s where you can start if you're facing something confusing, urgent or just plain frustrating:
How to Claim Premium Bonds After Death
Claiming Premium Bonds after a loved one’s death doesn’t need to be a mystery.
We’ll walk you through exactly how to do it, step by step, with clarity and care.
We’ll walk you through exactly how to do it, step by step, with clarity and care.
How to Claim a Tax Rebate in the UK
Think you’ve paid too much tax this year? You probably have — and you might be entitled to a refund.
Learn how to claim a tax rebate and get your money back.
Learn how to claim a tax rebate and get your money back.
How to Claim Emergency Tax Refund
Been put on an emergency tax code? You could be owed hundreds.
Find out how to claim your emergency tax refund and make sure you’re not losing out.
Find out how to claim your emergency tax refund and make sure you’re not losing out.
Real Questions. Clear Answers
We’ve taken five of the most common questions people in the UK ask when it comes to their money, their taxes and their rights — and we’re giving you straight, useful answers you can act on.
What’s the easiest way to claim back overpaid tax from HMRC?
The simplest way is to use the HMRC online service. You’ll need your Government Gateway login, your National Insurance number, and details about your income. If HMRC agrees you’ve overpaid, the money is usually refunded within five working days. You can also claim by post, but it takes longer. Make sure to check your P60 or P45, as errors there are often the reason you're owed money.
Can I claim back Stamp Duty on a second property I never used?
Yes — if you bought what was classed as a ‘second home’ and later sold your main residence within three years, you can apply for a refund. HMRC allows this under the ‘replacement of main residence’ rule. You’ll need your SDLT transaction reference number, the completion statements, and evidence of both property sales. Claims must be made within 12 months of the sale or within 12 months of the filing deadline, whichever is later.
How do I claim someone’s Premium Bonds after they’ve died?
You need to fill in a NS&I ‘Death claim’ form, which you can download online or request by post. You’ll also need to provide the death certificate and possibly a copy of the will or probate documents, depending on the value. Once NS&I processes your request, the money can be paid out to the estate or directly to beneficiaries, depending on the instructions. You don’t need to worry about losing the bonds — NS&I holds them until claimed.
Why am I paying emergency tax, and how can I fix it?
Emergency tax is applied when HMRC doesn’t have your correct income details — this usually happens if you start a new job and your employer hasn’t received your P45. To fix it, check your payslip for the code “1257 W1”, “M1”, or “X”. Then send your employer a P45 or fill in a “starter checklist” (available on GOV.UK). HMRC will adjust your code, and any overpaid tax will be refunded through your payslip or as a lump sum later.
What benefits am I entitled to if I’ve just lost my job?
You may be able to claim Universal Credit, Jobseeker’s Allowance, or contribution-based Employment and Support Allowance, depending on your work history and circumstances. You can also apply for Council Tax Reduction, housing support, and help with energy bills. Start by using the benefits calculator on GOV.UK to see what you qualify for, then set up a claim online. Payments can begin within five weeks, and advance payments may be available if you're in urgent need.
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