The Martin Lewis Podcast

Isa Isa Baby! Everything you need to know before the end of the tax year

In this podcast Martin explains everything you’ve ever wanted to know about ISAs but were afraid to ask. Cash ISAs, shares ISAs, how to transfer, how much you can put in, best buys for cash, and top picks for investments.Chartered Financial Planner Ed Marshall also joins Martin to help with stocks and shares ISAs.There is an update on the potential energy bills crisis brought on by the conflict in the middle east.The Tell Us is asking about the best £1 you’ve ever spent.And there’s Money Mastermind, this question is all about savings interest.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

64 min

Question Time: Should I overpay my mortgage? If I sign up online, why can’t I cancel online? Can I open an ISA for my niece?

In our Question Time podcast, Martin Lewis answers your questions including: which travel insurance policy do I make a claim to? When you say ‘pay off all debts’ does that include your mortgage? Can I open an ISA for my niece or nephew? Why is cancelling a subscription so hard? Plus, how your height impacts your step count, and what should we call you if you ask us a question? And we have a success story following Martin’s answer to a question on broadband.If you want to ask Martin a question, his Question Time podcast lets you do just that! You can ask him questions about absolutely anything and everything (within reason!) – so if you’ve always wanted to know which tree he likes best, how many burpees he can do in a minute, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

29 min

Car finance Mis-selling: what you need do | Top joint bank accounts | Economic Abuse the signs

In this week’s podcast Martin Lewis gives an update on the car finance mis-selling story. He questions such as: ‘what counts as mis-selling?’ ‘How do you know if you were mis-sold?’ ‘How much will be paid out?’ ‘How can you find old agreements?’, ‘What if you’ve complained and not contacted?’ And so much more.We also look at couples’ finances – in Tell Us this week we talk through how you and your partner work on your money together. Martin runs through the top joint accounts and the rules on joint accounts if something goes wrong. Plus how joint accounts can be misused as a form of domestic abuse… he talks to the charity Surviving Economic Abuse about that.Plus news on stamp prices, mortgages, student finance and Martin’s reaction to the news that some customers using Bank of Scotland, Lloyds and Halifax apps have been able to see other users' transactions on their accounts.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

51 min

Question Time: Can I back-claim Child Benefit? Change broadband before April? Why does my 7% regular saver only pay 4%?

It's a geek edition of our Question Time podcast! This week Martin Lewis gives you answers on your questions asking him anything and everything, including: should I wait until April to change my broadband to avoid the price hikes? Can I back-claim child benefit, now I know I’m eligible? Why did my 7% regular saver pay me half of that in interest? If I have to buy credits to purchase a game, can I get a cash refund if it’s faulty? I have a disability, so I need others to drive me in my car, how do I get insurance? Plus, does Martin find the ‘Dead Ringers’ impression of him funny? You’ll have to listen to find out!If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s got hay fever, which galaxy is his favourite, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

33 min

Inheritance tax masterclass: how much is due & smart ways to reduce it! Energy price spike – what it really means

The big topic for Martin this week is inheritance tax, he explains how inheritance tax works and goes through all the practicals on how much you can leave before its taxed.... Why marriage is the biggest way to reduce inheritance tax... The change that means pensions will soon have inheritance tax on them... all the gift rules you can utilise and far more.The podcast features key updates on car finance mis-selling, and what the spike in energy prices due to the conflict in the middle east really means for what you’ll pay.And then of course there’s Mastermind, if a shop misprices an item, can you force them to sell it to you at that amount? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

66 min

Question Time: Homeless to Homeowner- what next? Debt making me ill.. help! Save, or pay on 0% card? Close old accounts?

Martin Lewis gives his advice on what to do if you are overwhelmed by debt. He answers a question from someone facing debt problems which are having a very serious impact on their mental health. We hear a beautiful tale of moving from homeless to homeowner – and Martin explains what to do next after you have bought a house. Martin answers a question from a listener who to know if they should use Buy Now Pay Later, a 0% Purchase Card or just save up.Plus, find out what to do if you have a current accounts you don’t use.Plus Martin shares his remarkable hole-in-one golfing record.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

30 min

ALL energy bills to fall | Plan 2 student loans | Retirement tips

The main topic this week is all about your energy bills. It’s the biggest shakeup to energy bills for a few years. All bills are coming down on 1 April, not just the price cap, fixes & others too. So whether you’re on prepay, direct debit, with an EV or more then Martin explains how you make the most of itMartin also explains Plan 2 student loans, there’s talk the government may be about to change policy, so what are the options and how does it work.The Tell us this week is about what you learnt when you retired that you would now tell others in advance.And this week’s Mastermind is all on inheritance tax, we’ve buried a few important tips in there on it too.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

52 min

Question Time: Is my energy bill wrong? Do credit cards repay 0% debt first? Is your AI investment a scam?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: why is my energy bill so high, and how do I check if it’s right? If I’ve got 0% debt and normal debt on a credit card, which do they clear first? I’ve just seen you advertising ‘Quantum AI’ with a guaranteed £25,000 return! Is it true? (Spoiler: no, it’s a scam). If you’ve earned cashback, but returned the product, what happens? Can you tell me the best account for under 11s? Plus, beam me up, Martin, what’s your favourite sci-fi?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s got a favourite flower, if he’s a proper romantic, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

36 min

Free money, £100s free insurance and more - all from switching bank accounts!

Martin on switching your bank account and which banks are willing to pay you money to do so. He also explains package bank accounts where you pay a monthly fee and can get things like travel insurance, mobile cover and breakdown cover included. Right now you can get nearly a year of that for free too.He explains changes to energy standing charges.... and the new broadband and mobile telecom charter, which was signed yesterday. Martin gives his view on whether it's any good and whether it will it stop price hikes.The Tell Us is all about work-life balance and there are lots of tips for you about home insurance in this week's Mastermind.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

63 min

Question Time: How to escape a joint account? When not to claim child benefit? Who is Martin’s successor?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how do I escape a joint account? If I cancel a Direct Debit, do I have to tell the company? When isn’t it worth claiming child benefit? Where do I put the money from my house sale? And, who’s going to take over from Martin when he retires?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s got a favourite musical, if he’s any good at building flat-pack furniture, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

31 min

Should you overpay your mortgage or save – and how to make it work? And no ‘no standing charges’ tariffs

Martin Lewis on whether you should use savings to overpay your mortgage - factoring in your emergency fund, your rates, and whether overpayments come with penalties. Martin gives his reaction to the Bank of England announcing just before we recorded that interest rates have remained unchanged at 3.75%. We look at what has happened to Ofgem's no standing charges tariff options promise.This week’s Tell Us is what money rule do you follow now that you once thought pointless or over the top, and we’re joined by a special guest for that at the end of the pod.Martin explains why he has written a letter urging the Scottish Government to improve their Power of Attorney system.And Money Mastermind is on travel rights, but this week, Martin didn’t write the question!If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

60 min

Question Time: Best kids’ savings or investments? Pension at 50? Which mortgage to overpay? Snakes, or an angry gorilla?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: why do I pay interest even if I pay off my credit cards in full? Where’s the best place to save and invest for my young children who have pension income from my late husband? I’ve got two mortgages on my house, which should I overpay? What’s the best place for me to start a new pension aged 50? Plus, would Martin rather be locked in an empty shopping centre for 24 hours with 1000 snakes, or one angry gorilla? Listen to find out!If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s got a favourite marsupial, how many miles he could walk backwards, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

31 min

Plan 2 Student Loans Pod Extra: Stop the repayment freeze – and should you overpay?

Bonus Podcast - Martin Lewis gives his advice for people on a Plan 2 Student Loan. With the Government freezing the repayment threshold he explains if you should overpay now (spoiler: for some yes, many no). The pod features Martin speaking to Victoria Derbyshire about UK Chancellor Rachel Reeves's decision to freeze the student debt repayment threshold for three years and the experience of graduates paying interest on a Plan 2 student loan.You can get in touch with the team by emailing martinlewispodcast@bbc.co.uk – make sure to send in your burning questions and any successes you’ve had following Martin’s advice!

26 min

New first-time buyer ISA: what happens to the LISA & Help to Buy ISA? Is AI good for consumers?

Martin Lewis explains what we know about the product set to replace the Lifetime ISA, and what could happen to your LISAs and Help to Buy ISAs. Plus, Martin asks you if you think AI is good for consumers, you tell us when you’ve felt financially burned by a firm or product provider, because you took your eye off the ball, and does Adrian finally get a Money Mastermind question right? This week’s is on Section 75 protection, and you’ll have to listen to find out!If you want to ask Martin a question, you can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his best dance move, if he’s scared of snakes, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

56 min

Question Time: Help to Buy ISA v LISA? Sell shares each year to use Capital Gains allowance? Broken broadband compensation

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: I want to buy my first home, should I move money from my Help to Buy ISA to a LISA? Is it best to sell shares each year to use my annual capital gains tax allowance? Help! My broadband’s broken, what rights do I have to compensation? My phone contract’s been hiked, can I leave penalty free? Plus, you ask Martin his dream golf four ball.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s a still or sparkling person, his favourite suspension bridge, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

28 min

Life lessons for all ages! A warning if you’ve booked a holiday, and no standing charge tariffs?

Martin Lewis tells us his four life lessons he gave to graduates recently, so we asked you for yours! Plus, Martin’s annual warning if you’ve booked a holiday, an update to Ofgem’s no standing charge tariff for energy, and Mastermind is all about borrowing: does the length of a loan matter more than the interest rate? You’ll have to listen to find out! If you want to ask Martin a question, you can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his go-to dance move, if he knows the secret to parallel parking, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

65 min

Question Time: At last, I’m debt free - what now? Overpay my mortgage or invest? Do I need pay NI if I want to retire early?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: should I prioritise saving, investing, overpaying the mortgage, or children’s savings for our new baby? I want to retire early; do I need to pay for National Insurance to get a full state pension? Should I overpay my postgraduate loan? Robert tells us his inspiring story about finally becoming debt-free for the first time in his adult life and asks Martin what he could do with his money next. Plus, does Martin dye his hair? You’ll be surprised by his answer!If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what time his alarm goes off, if he’s got any pets, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

36 min

Everything you ever wanted to know about tax but were too afraid to ask!

With the self-assessment deadline less than a fortnight away, Martin Lewis answers your questions on everything tax, with the help of two tax gurus, including: tax returns, inheritance tax, making tax digital, capital gains tax, PAYE, savings tax, and more. Plus, Mastermind this week is all about gift cards, and Martin speaks to Harriet from the Traitors. If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his favourite fruit, if he can say the alphabet backwards, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

71 min

Question Time: Will my ex’s debt affect my credit score? Bridesmaid’s dress consumer rights? Credit card won’t give money back

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: will my ex’s debt affect my credit score? If I buy a bridesmaid’s dress for someone, does it hit my consumer rights? My credit card won’t give me money back for problem building work, what can I do? I’m a teacher, can you answer some of my students’ personal finance questions? My 0% credit card deal ends soon; do I pay it off or transfer the balance? Plus, what would Martin’s wrestler name and finishing move be? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite book, if he’s got a nickname, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

33 min

Debt Masterclass: Slash the cost of existing credit cards, overdrafts, loans, BNPL and more

Martin Lewis has his debt masterclass this week, helping you slash the cost of your existing credit cards, overdrafts, loans, buy now, pay later and much more! Plus, you tell us your New Year financial goals - some of you want to save more, some want to save less! Mastermind is all about capital gains tax, and how did Martin’s yearly step count competition end?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his preferred pasta shape, if he can tie a Full Windsor knot, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

64 min

Episodes

Isa Isa Baby! Everything you need to know before the end of the tax year

Question Time: Should I overpay my mortgage? If I sign up online, why can’t I cancel online? Can I open an ISA for my niece?

Car finance Mis-selling: what you need do | Top joint bank accounts | Economic Abuse the signs

Question Time: Can I back-claim Child Benefit? Change broadband before April? Why does my 7% regular saver only pay 4%?

Inheritance tax masterclass: how much is due & smart ways to reduce it! Energy price spike – what it really means

Question Time: Homeless to Homeowner- what next? Debt making me ill.. help! Save, or pay on 0% card? Close old accounts?

ALL energy bills to fall | Plan 2 student loans | Retirement tips

Question Time: Is my energy bill wrong? Do credit cards repay 0% debt first? Is your AI investment a scam?

Free money, £100s free insurance and more - all from switching bank accounts!

Question Time: How to escape a joint account? When not to claim child benefit? Who is Martin’s successor?

Should you overpay your mortgage or save – and how to make it work? And no ‘no standing charges’ tariffs

Question Time: Best kids’ savings or investments? Pension at 50? Which mortgage to overpay? Snakes, or an angry gorilla?

Plan 2 Student Loans Pod Extra: Stop the repayment freeze – and should you overpay?

New first-time buyer ISA: what happens to the LISA & Help to Buy ISA? Is AI good for consumers?

Question Time: Help to Buy ISA v LISA? Sell shares each year to use Capital Gains allowance? Broken broadband compensation

Life lessons for all ages! A warning if you’ve booked a holiday, and no standing charge tariffs?

Question Time: At last, I’m debt free - what now? Overpay my mortgage or invest? Do I need pay NI if I want to retire early?

Everything you ever wanted to know about tax but were too afraid to ask!

Question Time: Will my ex’s debt affect my credit score? Bridesmaid’s dress consumer rights? Credit card won’t give money back

Debt Masterclass: Slash the cost of existing credit cards, overdrafts, loans, BNPL and more