The Martin Lewis Podcast
Martin Lewis answers your financial questions, offering valuable money-saving tips.
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Life insurance - would your family cope financially if you died? Plus early car finance payouts
<p>This week, Martin Lewis answers your questions on one of the most important forms of financial protection: life insurance. He explains how to make sure your loved ones would be financially secure if the worst happened to you, who needs cover, who may not, and how to choose the right type of policy without paying more than necessary. Whether you have a mortgage, children, or other people who depend on your income, Martin shares practical guidance to help you decide what protection is right for your family.</p><p>Plus, Martin brings the latest on the car finance mis-selling...
Question Time: Pay off my Plan 2 loan or my mortgage? Cheaper Power of Attorney? How do balance transfers work?
<p>In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: is there an alternative to the expensive lasting power of attorney? Should I overpay my Plan 2 student loan or my mortgage? Is AI advice on tax relief to be trusted? I’ve got £7,000 debt on a credit card from my wedding, how does a 0% balance transfer work so I don’t have to pay interest? What’s Martin’s favourite money-themed song? Plus, some of your help for our recent caller, Will, on how to build a credit score when you move to the UK. If...
ISAs are changing: what to do now (cash, shares, LISAs) | State Pension Tax Help | Interest rate rises
<p>Interest rates rose by 0.25% just as we started recording, so what happens next? Martin explains what the latest increase means for mortgages, savings and borrowing, and looks at where rates could be heading in the months ahead.</p><p>The big topic is ISAs. Following major Budget changes, Martin tackles the future of Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and the brand-new First Time Buyers ISA. With questions flooding in from listeners, he breaks down the new rules, explains when each type of ISA is likely to be right for you, and shares tips on how to make...
Mini Question Time: Is a LISA still worth it for first time buyers & retirement, now it’s being replaced?
<p>Martin Lewis answers a listener's question about Lifetime ISAs (LISAs), explaining how they were affected by the Chancellor's Budget announcements. He breaks down how LISAs work, whether the government announcement affects first-time buyers or savers, and the key rules, bonuses, and withdrawal penalties to be aware of. He also looks at whether a LISA can be used as an alternative to a pension, how the government bonus works, and the key advantages and drawbacks of saving for retirement this way.</p>
Budget 2026: Instant reaction special!
<p>What does today's Budget really mean for your finances? Martin Lewis breaks down the announcements and omissions that could affect your wallet, from frozen income tax thresholds and student loans to Cash ISAs, savings tax and pensions. He also explores energy bills, standing charges, Lifetime ISAs, support for carers, mileage allowances and Warm Home help. Expect clear explanations, consumer-focused analysis and no political point-scoring, just the money facts that matter.</p>
Question Time: Do I pay tax if I sell on eBay? How to start a credit score? Plus, how a budget can change your life!
<p>In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: do I have to pay tax if I sell things on eBay? I’m new to the country, how do I start to build my credit score? I’m an additional rate taxpayer, and as we’re rarely mentioned, what should I be aware of? Which currency should I pay in on Eurostar? Plus, how a budget can change your life, and how does Martin feel about sauces on his food?</p><p>If you want to ask Martin a question, you now can! His Qu...
Savers, can you use gilts to earn 8%? | Standing charge to be scrapped & budget preview
<p>This week on The Martin Lewis Podcast, Martin dives into two big money stories making headlines: the government's plans to cut standing charges from gas bills and what could be coming in the next Budget. </p><p>The week's main topic tackles short-dated gilts. Many investment advisers are recommending them as a potentially more lucrative alternative to savings, and done right, the returns can be the equivalent of earning around 8% in a savings account. Martin is joined by a specialist expert to explain how they work, the risks to watch for, and to answer your questions.</p><p>Then...
Question Time: Are Premium Bonds right for me? Should we get our child a pension? How many credit applications kill a mortgage?
<p>In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: are Premium Bonds right for me? How many credit applications will kill my ability to get a mortgage? Should we consider child pensions for our kids? Will a bank close my high paying linked regular savings account if I switch my current account from them? Where would Martin set the safety net on Who Wants to be a Millionaire? Plus, will you be able to hear Isabelle on this week’s episode? If you want to ask Martin a question, you now can! His Qu...
Shift debt to 0% while you can! | Car Finance update | ISA & inheritance tax
<p>Martin’s leading this week’s podcast with an urgent warning for anyone carrying credit card: now is the time to act. He explains why he's concerned the top deals could get worse, runs through how balance transfers work, reveals the best options currently available, shares tips to maximise your chances of acceptance, and looks at when a loan may beat a credit card solution. If you're paying interest on existing debt, this is a must-listen guide to cutting costs and taking control.</p><p>Martin also has an update on Car Finance Mis-selling. After months of waiting, there’s fina...
Question Time: Will payrise mean I lose child benefit? I’m on tracker mortgage should I fix? How do I become you?
<p>Martin Lewis is back with another bumper listener Q&A, tackling everything from Child Benefit and consumer rights to career advice and mortgage strategy.</p><p>He explains whether a pay rise could affect your Child Benefit entitlement and whether salary sacrifice could help. Plus, Martin answers a question from a homeowner on a tracker mortgage, revealing why it can be worth securing a mortgage deal up to six months in advance. He explains how having an offer in your back pocket can provide valuable protection if rates rise, while still leaving you free to walk away and choose...
