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6 min read

What the letter on an Energy Performance Certificate tells you, and when you need one

An EPC grades a home from A to G on estimated running costs, not on how warm it feels. How the score is worked out, how long a certificate lasts, when one is required and what the landlord rules are.

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Figures that matter

Official figures, checked 02.11.2026

£241.30
Full new State Pension a week in the 2026/27 tax year
Source: GOV.UK →
£12,570
Personal Allowance for 2026/27, frozen in law until April 2031
Source: GOV.UK / Finance Act 2026 →
£10,000
Money Purchase Annual Allowance once a pension is taken flexibly
Source: HMRC →
92%
Minimum efficiency for a new gas boiler fitted in England
Source: Boiler Plus rules →

New

One from each section, and more

01 / Pensions A woman in her early sixties sits at a kitchen table with a mug of tea, looking out at the garden. What a State Pension can pass on when a husband, wife or civil partner dies The dates decide more than the amounts. 02 / Tax A woman in her mid-fifties in an apron arranges loaves of bread on shelves in a small bakery. Why the first payslip from a second job or pension can look wrong One allowance, two payslips. 03 / Home A surveyor with a clipboard looks at the brickwork of a Victorian terraced house while a couple watch from the path. Which home survey a purchase needs, from Level 1 to Level 3 The lender’s valuation protects the lender. 04 / Money safety A man in his late fifties stands in his hallway holding a phone, pausing before a payment. What your bank means when the name check says close match Four answers, and what each asks of you. 01 / Pensions Two colleagues talk over a sheet of paper at a meeting table in a bright office. Why salary sacrifice saves National Insurance, and what changes in 2029 A £2,000 line, written into law, from April 2029. 02 / Tax A man in his late sixties writes in a notebook at a dining table beside a cup of coffee. The tax year your fixed-rate bond interest really belongs to Earned over years, taxed in one.

Also this week

02.11.2026What to weigh up when the old boiler needs replacing03 / Home 02.11.2026Why the first flexible pension withdrawal can shrink what you pay in afterwards01 / Pensions 02.11.2026What online marketplaces now tell HMRC about sellers, and what it means for a clear-out02 / Tax 02.11.2026How to check a firm on the FCA Register before any money changes hands04 / Money safety 02.11.2026What ATOL protection covers on a package holiday, and what it leaves out04 / Money safety

Sections

01Pensions The State Pension, workplace and personal pensions: how the rules work, what changes when life does, and where to check your own position. 3 articles → 02Tax Tax codes, savings interest and selling things online: the Income Tax rules that reach ordinary households, with worked examples and links to HMRC. 3 articles → 03Home Surveys, energy certificates and heating: the money side of buying, running and improving a home in the UK. 3 articles → 04Money safety Payment name checks, the FCA Register and holiday protection: the routine checks that keep payments and bookings on solid ground. 3 articles →

Monday, 7am. One email, five figures.

The Monday Five picks five numbers from UK pensions, tax, home and money safety each week and explains each one in a sentence or two, with a link to the official source.

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