s one of the few elements of investing that you can control small increase in savings can make a huge difference/meraxes.polarmobile.com:443/image/v1.0.0/bin/5b89688948e3edcb230d7d36/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=s one of the few elements of investing that you can control small increase in savings can make a huge difference/meraxes.polarmobile.com:443/image/v1.0.0/bin/5b89688948e3edcb230d7d36/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=

Have first-time buyers been priced out of Help to Buy?
How to avoid the new 'death tax' charge

Wednesday, November 7, 2018

Telegraph Money 

The week's most important personal finance news, analysis and expert advice, from pensions and property to investment ideas and savings tips.

The Telegraph take

By Sophie Christie personal finance reporter

Struggling first-time buyers who rely on the Government's flagship Help to Buy scheme to get on the property ladder will face severe restrictions from 2021, following changes announced by the Chancellor during last month's Budget.

Launched in April 2013, the scheme has helped 169,102 people in England to buy a home by offering a government loan worth 20pc of the price of a new-build property.

However, regional price caps to be introduced will drastically limit buyers' choice. Telegraph Money reporter Adam Williams has calculated that a third of new-builds will be too expensive to qualify for Help to Buy.

These are some of the numerous towns and cities where first-time buyer flats and modest family homes will be priced out of the scheme. Is your neighbourhood affected?

 

Top stories

Tulips

Government reveals plans for 'Dutch-style' pensions: how much could you get?

Big Ben and Houses of Parliament

A new 'death tax' will see some estates paying up to 6,000 – here's how to avoid it

Henry Blofeld

Henry Blofeld: 'Sky paid me 1,000 a day then ditched me after a year. It was unpleasant'

 

Moral Money

Scene from The Best Exotic Marigold Hotel

'Am I wrong to haggle on holiday when I can easily afford to pay full price?'

 

Savings and banking

•

Digital bank Monzo launches savings account

•

Thousands hit by delays to NS&I payments after IT meltdown

•

Has Goldman Sachs' leading savings account Marcus 'shaken up the market'?

 

Investing

Switzerland

Diary of a private investor: 'With shares down and Brexit unease, I've taken action'

 
A car driving down a road

Misleading, convoluted investment documents are 'like a satnav that guides you off a cliff'

 
The red Budget briefcase

UK income fund manager: 'The end of austerity won’t alter our investment strategy'

 
 

Pensions

•

More pensioners hit by tax quirk as HMRC returns record 38m

•

Pensioners can pursue their Sipp for letting them be too adventurous

•

Britain embraces 'pension freedoms' as withdrawals hit new record

 

How to pay for your degree as a mature student

 

Its never too late to get a degree. There are a number of ways retirees can fund further education

 

Sponsored

Questor share tips

The managers of Baillie Gifford UK Growth, Iain McCombie and Milena Mileva

Why we can expect this trust’s 10pc discount to disappear on December 6

To Let and For Sale signs

A bombshell for the portfolio as one stock falls by almost a quarter. What should we do?

Nicole Kidman in The Interpreter

Buy translation firm SDL for its high barriers to entry, rising sales and improving margins

 

Ask Jessica

•

'HMRC called to say it had issued an arrest warrant in my name. Is this a scam?'

•

'Why is Aviva sending me three conflicting quotations for the value of my pension fund?'

•

'It took John Lewis more than three months to deliver my table'

 

You have the last word...

Ian Dale said about 'HMRC issued an arrest warrant in my name': "They prey on the old and vulnerable. Despite me telling an elderly neighbour that any phone call from someone she doesn’t know is almost certainly a scam to steal money, she comes for help almost every week with one of these."

Aloysius Jones said about the 'new death tax': "It would seem the only things not taxed to extortionate levels are fresh air and the unconditional love of and for your own family. No doubt the Government would love to tax those as well."

Richard Yates said about our Diary of a Private Investor: "If you have a balanced portfolio that includes gilts, corporate bonds etc., these should compensate for falls in equities, at least to large extent, making it unnecessary to sell at a loss and then have to re-enter the market at a higher price."

 
Insert a clear and simple description of the image
 

Contact us: to pose a question to our team of expert reporters, email moneyexpert@telegraph.co.uk. If you'd like a free financial plan, email money@telegraph.co.uk with the subject 'Give me a Money Makeover'.

Share this newsletter

Email Facebook Twitter
The Telegraph

Telegraph Money 

 

Not subscribed to this newsletter yet? Sign up now.

See more Telegraph newsletters

 

Investor  |  Property  |  Business  |  Front Bench

You have received this email because you have agreed to receive marketing messages by email from Telegraph Media Group Limited or its group companies or you may have signed up to receive this newsletter. Please do not reply to this email.

 

Terms and conditions apply to all offers, prices and competitions that may be shown in this email. For full details please click on the advertised offer. The Telegraph reserves the right to withdraw these offers without notice.

 

If you no longer wish to receive these messages, please unsubscribe.

 

In accordance with the 2018 Data Protection Act, Telegraph Media Group Limited and its group companies are committed to protecting your privacy. If you wish to know more please access our privacy policy.

 

This email is from Telegraph Media Group Limited or its group companies - 111 Buckingham Palace Road, London SW1W 0DT. Registered in England under No 451593.