These are the financial products that help UK households pay less tax, save more money, and take control. We only list products we believe are genuinely useful.
UK's largest investment platform. 2,500+ funds, shares and ETFs. Excellent research tools, award-winning app and a 20,000+ user-rated customer service. The go-to for serious investors.
Open an ISA with HL →Low-cost index investing with an account fee of just 0.15% (capped at £375/yr). Best for passive investors who want to track the market without paying active management fees.
Open a Vanguard ISA →Commission-free share dealing with a 0% platform fee ISA. Over 13,000 stocks and ETFs available. Well-suited to cost-conscious investors and those just starting out.
Try Trading 212 →Flexible self-invested personal pension. Claim up to 45% tax relief on contributions. Full control over your investments with 2,500+ fund choices and a market-leading platform.
Open a SIPP →Combine all your old workplace pensions in one place. Simple online dashboard, clear flat-fee pricing, and a range of pension plans from conservative to growth-focused.
Consolidate with PensionBee →Free online mortgage broker that searches 90+ lenders — including ones you can't access directly. Digital-first, fast, and fully FCA regulated. Great for remortgagers and first-time buyers.
Compare mortgages →UK's largest fee-free mortgage broker. Whole of market access, expert human advisers, and no broker fee charged. Consistently rated 5 stars by tens of thousands of customers.
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Accounting software built for freelancers and small businesses. Automatically tracks invoices, expenses and tax, integrates directly with HMRC Making Tax Digital (MTD), and simplifies Self Assessment.
Try FreeAgent free →Cloud accounting for growing businesses. MTD-compliant, connects to 1,000+ business apps, and gives you real-time financial reporting. The choice of most UK accountants.
Try Xero →Up to 5.2% AER on a flexible Cash ISA with instant withdrawals. No lock-in, no minimum balance, and your interest is completely tax-free inside the ISA wrapper.
Open a cash ISA →Automatic smart savings with 4.84% instant access. Chip's AI analyses your spending and automatically moves money you won't miss into savings. Set it, forget it, earn more.
Start saving with Chip →Buy life insurance online without paying adviser fees. Cavendish rebates its commission back to you as a premium discount — so you pay less for the same cover from the same insurers.
Compare life insurance →Free quotes from the UK's top life insurance providers, in minutes. Compare term life, whole of life, and critical illness cover from 15+ major UK insurers with a single enquiry.
Get a free quote →All recommendations are made independently. Affiliate relationships do not influence our editorial coverage. The Stealth Tax Project™ is editorially independent — our analysis, data and commentary are never subject to commercial review. Commission earned helps fund the free Briefing and calculator tools. Not financial advice. Always conduct your own research before making investment decisions. Your capital may be at risk. Tax treatment depends on individual circumstances and may be subject to change.