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From: "Daily Express Money" <news@newsletters.e.express.co.uk>
To: <sue@sarahharvey.com>
Subject: HMRC update on pensions 'extra costs' | Mortgage 'three-year rule' clarified
Date: Tue, 04 Aug 2026 10:02:21 +0000
Reply-To: "Daily Express Money" <reach-newsletters@newsletters.e.express.co.uk>
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HMRC update on pensions 'extra costs' =7C Mortgage 'three-year rule' cl=
arified
View webversion here: (https://newsletters.e.express.co.uk/cOKh0UHBJf6A=
gtnrNAtfq7/khskxAm8PsyLI6AGPCGV/2YHTvJu6tFeMyp3S_lgm/c2QYAvk9brDW6Y5tyo=
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6)
Today's Headlines
'Extra costs' hit pensions as HMRC gives new update
Mortgage 'three-year rule' clarified by broker as 'times changing'
John Healey just showed his true colours - he=E2=80=99ll be even worse =
than Rachel Reeves
Universal Credit rule change hands households in England =C2=A3495
Free bus pass rule to end on August 31 for over 14 million people
Parents find =C2=A320 school trainers they 'buy again for every new siz=
e' as they're 'reliable'
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t=3D=22_blank=22 rel=3D=22noopener noreferrer=22 style=3D=22color:=23=
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span> </span> <a class=3D=22btn=22 href=3D=22https://newsle=
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noopener noreferrer=22 style=3D=22color:=234d4d4f; text-decoration:und=
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/> </a> </td> </tr> </table> </td> </tr> </table> </td> </tr> </=
table> <=21-- :: End Social --> </th> </tr> </table> </td> </tr> </tab=
le> </td> <td class=3D=22m_hide=22 style=3D=22font-size:0;line-height:=
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fafafa=22 ><tr><td class=3D=22m_hide=22 style=3D=22font-size:0; line-h=
eight:1px; height:1px;=22 height=3D=221=22 > </td><td bgcolor=3D=22=
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t;word-wrap:break-word;word-break:normal=22 > <=21-- :: Start Passendo =
--> <table cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22=
width=3D=22100%=22 role=3D=22presentation=22 bgcolor=3D=22=23FFFFFF=
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ide=22 > <img alt=3D=22desktop=22 src=3D=22https://euir.trckrhst.com/v=
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ay: block; max-width: 100%; height: auto;=22 /> </a> <span style=3D=22=
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nt-size:0;line-height:1px;height:1px;=22 height=3D=221=22 > </td>=
</tr> </table> <=21-- :: End Passendo --> </td><td class=3D=22m_hide=22=
style=3D=22font-size:0; line-height:1px; height:1px;=22 height=3D=22=
1=22 > </td></tr></table><table cellpadding=3D=220=22 cellspacing=
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n=22 bgcolor=3D=22=23fafafa=22 ><tr><td class=3D=22m_hide=22 style=3D=
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p;</td><td bgcolor=3D=22=23ffffff=22 valign=3D=22top=22 style=3D=22wi=
dth:600px;text-align:left;word-wrap:break-word;word-break:normal=22 ></=
td><td class=3D=22m_hide=22 style=3D=22font-size:0; line-height:1px; h=
eight:1px;=22 height=3D=221=22 > </td></tr></table><table cellpad=
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ss=3D=22m_hide=22 style=3D=22font-size:0; line-height:1px; height:1px;=
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rd;word-break:normal=22 ><table cellpadding=3D=220=22 cellspacing=3D=22=
0=22 border=3D=220=22 width=3D=22100%=22 role=3D=22presentation=22><tr>=
<td><table cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22=
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ffffff=22 valign=3D=22top=22 style=3D=22width:600px;text-align:left;w=
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FFFFFF=22 cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22=
width=3D=22100%=22 role=3D=22presentation=22 > <tr> <td style=3D=22p=
adding-top:25px; padding-left:25px; padding-right:25px; padding-bottom:=
0px;=22 > <table cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=
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50%; color:=23151515;max-height: 999999px; word-wrap: break-word; word-=
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Latest news
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sentation=22 bgcolor=3D=22=23EFEFEF=22 > <tr> <td class=3D=22m_hide=22=
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ight: 999999px; word-wrap: break-word; word-break: break-word;=22 >
'Extra costs' hit pensions as HMRC gives new update
</a> </td> </tr> <tr> <td style=3D=22float:right; font-family:Arial, He=
lvetica, sans-serif; font-weight:normal; font-size:18px; mso-line-heigh=
t-rule:exactly; line-height:150%; color:=2300689D; text-align:left;max-=
height: 999999px; word-wrap: break-word; word-break: break-word;=22 > <=
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> <table cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22=
width=3D=22100%=22 style=3D=22text-align:center;=22 role=3D=22prese=
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bkit-calc(35%); min-width:calc(35%); display:inline-block; width:-webki=
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ellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22 width=3D=
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ole=3D=22presentation=22 > <tr> <td align=3D=22left=22 > <a href=3D=22h=
ttps://newsletters.e.express.co.uk/cOKh0UHBJf6AgtnrNAtfq7/DFYY0ncPH5oNg=
73FPiGb/e7V5T-KrFTAaPw7VmmOP/rR7zQiD1d6JcdWYlzTt9/jCPMaV3y_GXkKFnlw-Vj/=
Fp_Iy13SVisAXhYW3WVU/9hZA/dMSZ.php?ID=3DdPbAcot6=22 analytics-link=3D=22=
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mageDivContainer1=22 class=3D=22full=22 src=3D=22https://cdn.images.e=
xpress.co.uk/img/dynamic/23/590x/2235735_1.jpg=22 alt=3D=22Mortgage 't=
hree-year rule' clarified by broker as 'times changing'=22 border=3D=22=
0=22 width=3D=22265=22 style=3D=22width:265px; max-width:100%; displa=
y:block;=22 /> </a> </td> </tr> </table> </td> </tr> </table> </th> <t=
h class=3D=22block_400 columns full=22 dir=3D=22ltr=22 valign=3D=22to=
p=22 style=3D=22text-align:left;min-width:370.5px;width:65%;max-width:=
100%; min-width:-webkit-calc(65%); min-width:calc(65%); display:inline-=
block; width:-webkit-calc(230400px - 48000%); width:calc(230400px - 480=
00%); padding: 16px;=22 > <table cellpadding=3D=220=22 cellspacing=3D=22=
0=22 border=3D=220=22 width=3D=22100%=22 role=3D=22presentation=22 >=
<tr> <td style=3D=22padding:10px;=22 > <table cellpadding=3D=220=22 c=
ellspacing=3D=220=22 border=3D=220=22 width=3D=22100%=22 role=3D=22p=
resentation=22 > <tr> <td> <a href=3D=22https://newsletters.e.express.c=
o.uk/cOKh0UHBJf6AgtnrNAtfq7/eowE6jRmZW7AXyegsSGg/pkASSxm500_W1cF_HcmY/X=
3auR_25Tjfwd3m7rq-r/a0ejqEhj8DbjZOeKpqnX/Tptl-xK1xOdwV3OlJinv/LBjp/dMSZ=
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lign:left;max-height: 999999px; word-wrap: break-word; word-break: brea=
k-word;=22 >
Mortgage 'three-year rule' clarified by broker as 'times changing'
</a> </td> </tr> <tr> <td style=3D=22float:right; font-family:Arial, He=
lvetica, sans-serif; font-weight:normal; font-size:18px; mso-line-heigh=
t-rule:exactly; line-height:150%; color:=2300689D; text-align:left;max-=
height: 999999px; word-wrap: break-word; word-break: break-word;=22 > <=
a href=3D=22https://newsletters.e.express.co.uk/cOKh0UHBJf6AgtnrNAtfq7/=
eowE6jRmZW7AXyegsSGg/pkASSxm500_W1cF_HcmY/X3auR_25Tjfwd3m7rq-r/a0ejqEhj=
8DbjZOeKpqnX/Tptl-xK1xOdwV3OlJinv/LBjp/dMSZ.php?ID=3DdPbAcot6=22 analy=
tics-link=3D=22rss=22 target=3D=22_blank=22 rel=3D=22noopener norefer=
rer=22 style=3D=22text-decoration:underline;cursor:default; color:=230=
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Read mo=
re
</a> </td> =
</tr> </table> </td> </tr> </table> </th> </tr> </table> </td> </tr> </=
table> </td> <td class=3D=22m_hide=22 style=3D=22font-size:0;line-heig=
ht:1px;height:1px;=22 height=3D=221=22 > </td> </tr> </table> <=21=
-- :: End Cue list (RSS) Block 1 --></td></tr></table></td></tr><tr><td=
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ly:Tahoma;color:=23000000;text-align:left;font-weight:normal;word-wrap:=
break-word;word-break:normal=22 ><table cellpadding=3D=220=22 cellspac=
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><=21-- :: Start Cue list (RSS) Block 1--> <table cellpadding=3D=220=22=
cellspacing=3D=220=22 border=3D=220=22 width=3D=22100%=22 role=3D=22=
presentation=22 bgcolor=3D=22=23EFEFEF=22 > <tr> <td class=3D=22m_hide=
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1=22 > </td> <td class=3D=22m_wrapper=22 style=3D=22width:600px;=22=
> <table bgcolor=3D=22=23ffffff=22 cellpadding=3D=220=22 cellspacing=
=3D=220=22 border=3D=220=22 width=3D=22100%=22 role=3D=22presentatio=
n=22 > <tr> <td dir=3D=22ltr=22 style=3D=22font-size:0;padding:15px;=22=
> <table cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22=
width=3D=22100%=22 style=3D=22text-align:center;=22 role=3D=22prese=
ntation=22 bgcolor=3D=22=23FFFFFF=22 > <tr> <th class=3D=22block_200 c=
olumns full=22 dir=3D=22ltr=22 valign=3D=22top=22 style=3D=22text-al=
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bkit-calc(35%); min-width:calc(35%); display:inline-block; width:-webki=
t-calc(230400px - 48000%); width:calc(230400px - 48000%);=22 > <table c=
ellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22 width=3D=
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=220=22 cellspacing=3D=220=22 border=3D=220=22 width=3D=22100%=22 r=
ole=3D=22presentation=22 > <tr> <td align=3D=22left=22 > <a href=3D=22h=
ttps://newsletters.e.express.co.uk/cOKh0UHBJf6AgtnrNAtfq7/QRssXtDFZ_4i7=
jrYkiF8/ffB5_LhXKJpFupILDsgV/eTHT9cg0IhB-zTNibmSW/klfSirNhiy5-pmy3BCr6/=
AMrGLpN5r2W4T-2PUOcD/vhS8/dMSZ.php?ID=3DdPbAcot6=22 analytics-link=3D=22=
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mageDivContainer1=22 class=3D=22full=22 src=3D=22https://cdn.images.e=
xpress.co.uk/img/dynamic/23/590x/2235757_1.jpg=22 alt=3D=22John Healey=
just showed his true colours - he=E2=80=99ll be even worse than Rachel=
Reeves=22 border=3D=220=22 width=3D=22265=22 style=3D=22width:265px=
; max-width:100%; display:block;=22 /> </a> </td> </tr> </table> </td>=
</tr> </table> </th> <th class=3D=22block_400 columns full=22 dir=3D=22=
ltr=22 valign=3D=22top=22 style=3D=22text-align:left;min-width:370.5p=
x;width:65%;max-width:100%; min-width:-webkit-calc(65%); min-width:calc=
(65%); display:inline-block; width:-webkit-calc(230400px - 48000%); wid=
th:calc(230400px - 48000%); padding: 16px;=22 > <table cellpadding=3D=22=
0=22 cellspacing=3D=220=22 border=3D=220=22 width=3D=22100%=22 role=
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ellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22 width=3D=
=22100%=22 role=3D=22presentation=22 > <tr> <td> <a href=3D=22https://=
newsletters.e.express.co.uk/cOKh0UHBJf6AgtnrNAtfq7/UqL1PJh-3HQi0ZbJjiFl=
/b0K-Q_vNgYEVlfinPwfw/RWL2MPGRGcjpFhyxdS10/OpBsyflC3WdK_j89Ci2o/eJytNP6=
QFxcg-c5fdpSX/SWQu/dMSZ.php?ID=3DdPbAcot6=22 analytics-link=3D=22rss=22=
target=3D=22_blank=22 rel=3D=22noopener noreferrer=22 style=3D=22te=
xt-align:left; font-family:Arial, Helvetica, sans-serif; font-size:18px=
; mso-line-height-rule:exactly; line-height:150%; color:=23000000; font=
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rd; word-break: break-word;=22 >
John Healey just showed his true colours - he=E2=80=99ll be even wo=
rse than Rachel Reeves
</a> </td> </tr> <tr> <td style=3D=22float:right; font-family:Arial, He=
lvetica, sans-serif; font-weight:normal; font-size:18px; mso-line-heigh=
t-rule:exactly; line-height:150%; color:=2300689D; text-align:left;max-=
height: 999999px; word-wrap: break-word; word-break: break-word;=22 > <=
a href=3D=22https://newsletters.e.express.co.uk/cOKh0UHBJf6AgtnrNAtfq7/=
UqL1PJh-3HQi0ZbJjiFl/b0K-Q_vNgYEVlfinPwfw/RWL2MPGRGcjpFhyxdS10/OpBsyflC=
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rer=22 style=3D=22text-decoration:underline;cursor:default; color:=230=
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Read mo=
re
</a> </td> =
</tr> </table> </td> </tr> </table> </th> </tr> </table> </td> </tr> </=
table> </td> <td class=3D=22m_hide=22 style=3D=22font-size:0;line-heig=
ht:1px;height:1px;=22 height=3D=221=22 > </td> </tr> </table> <=21=
-- :: End Cue list (RSS) Block 1 --></td></tr></table></td></tr><tr><td=
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><=21-- :: Start Cue list (RSS) Block 1--> <table cellpadding=3D=220=22=
cellspacing=3D=220=22 border=3D=220=22 width=3D=22100%=22 role=3D=22=
presentation=22 bgcolor=3D=22=23EFEFEF=22 > <tr> <td class=3D=22m_hide=
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1=22 > </td> <td class=3D=22m_wrapper=22 style=3D=22width:600px;=22=
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n=22 > <tr> <td dir=3D=22ltr=22 style=3D=22font-size:0;padding:15px;=22=
> <table cellpadding=3D=220=22 cellspacing=3D=220=22 border=3D=220=22=
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ntation=22 bgcolor=3D=22=23FFFFFF=22 > <tr> <th class=3D=22block_200 c=
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bkit-calc(35%); min-width:calc(35%); display:inline-block; width:-webki=
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ttps://newsletters.e.express.co.uk/cOKh0UHBJf6AgtnrNAtfq7/pe62BV31j9YBv=
V24YCE5/0UDgK69mlV6yUUBYNtvB/aiAhRNpvYdqNwT9L42Q8/QRk1_yW0nNEsDa_ChVPl/=
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mageDivContainer1=22 class=3D=22full=22 src=3D=22https://cdn.images.e=
xpress.co.uk/img/dynamic/23/590x/2235282_1.jpg=22 alt=3D=22Universal C=
redit rule change hands households in England =C2=A3495=22 border=3D=22=
0=22 width=3D=22265=22 style=3D=22width:265px; max-width:100%; displa=
y:block;=22 /> </a> </td> </tr> </table> </td> </tr> </table> </th> <t=
h class=3D=22block_400 columns full=22 dir=3D=22ltr=22 valign=3D=22to=
p=22 style=3D=22text-align:left;min-width:370.5px;width:65%;max-width:=
100%; min-width:-webkit-calc(65%); min-width:calc(65%); display:inline-=
block; width:-webkit-calc(230400px - 48000%); width:calc(230400px - 480=
00%); padding: 16px;=22 > <table cellpadding=3D=220=22 cellspacing=3D=22=
0=22 border=3D=220=22 width=3D=22100%=22 role=3D=22presentation=22 >=
<tr> <td style=3D=22padding:10px;=22 > <table cellpadding=3D=220=22 c=
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resentation=22 > <tr> <td> <a href=3D=22https://newsletters.e.express.c=
o.uk/cOKh0UHBJf6AgtnrNAtfq7/iDNQW2-_9gAfJrHqJyHA/QeBzf8tdubE9mtUtHbRQ/a=
XIfg_PEiJQf64CpIks0/rSQHZJ09GjO-maUcSNRW/DLy5fB7DRyxn52TlLTjY/GYqG/dMSZ=
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le:exactly; line-height:150%; color:=23000000; font-weight:bold; text-a=
lign:left;max-height: 999999px; word-wrap: break-word; word-break: brea=
k-word;=22 >
Universal Credit rule change hands households in England =C2=A3495
</a> </td> </tr> <tr> <td style=3D=22float:right; font-family:Arial, He=
lvetica, sans-serif; font-weight:normal; font-size:18px; mso-line-heigh=
t-rule:exactly; line-height:150%; color:=2300689D; text-align:left;max-=
height: 999999px; word-wrap: break-word; word-break: break-word;=22 > <=
a href=3D=22https://newsletters.e.express.co.uk/cOKh0UHBJf6AgtnrNAtfq7/=
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table> </td> <td class=3D=22m_hide=22 style=3D=22font-size:0;line-heig=
ht:1px;height:1px;=22 height=3D=221=22 > </td> </tr> </table> <=21=
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ly:Tahoma;color:=23000000;text-align:left;font-weight:normal;word-wrap:=
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n=22 > <tr> <td dir=3D=22ltr=22 style=3D=22font-size:0;padding:15px;=22=
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00%); padding: 16px;=22 > <table cellpadding=3D=220=22 cellspacing=3D=22=
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Free bus pass rule to end on August 31 for over 14 million people
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