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Simon Lambert - This is Money Publisher

Simon Lambert is one of Britain's leading financial journalists and is This is Money's Publisher. He runs This is Money and MailOnline's Business, Money, Motoring and Property journalism. He has spent almost 20 years helping people understand what the financial news means for them. He presents The Investing Show and Lunch Money video series and co-hosts the This is Money Podcast. Simon writes about everything to do with money, but has a keen interest in investing, the property market and economy. If he wasn't doing this, he'd rather be snowboarding.

Coverage: Money Business Cost of living & bills DIY investing Investing Mortgages Pensions Saving & banking Cars Podcast

MOST RECENT ARTICLES FROM SIMON LAMBERT

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Inheritance tax was blasted as a mess six years ago - and it's only got worse since, says SIMON LAMBERT

12/09/24 06:00

in January 2018, Philip Hammond asked the Office of Tax Simplification to carry out a review of inheritance tax - its verdict was damning. It painted a picture of a total mess of a tax, which despite only being paid by a small percentage of estates manages to create an administration nightmare for many more and where the merely rich pay a higher effective rate than the really rich....read

A pension tax relief raid would rob younger workers of a benefit older generations profited from, says SIMON LAMBERT
30/08/24 06:00
The greatest impact of swapping full pension tax relief for a flat rate would be on workers in their mid-40s and under dragged into higher rate tax.
- 585 comments
- 69 shares
Chancellor may raid tax relief on pension savings of 6m higher earners, warns Steve Webb
26/08/24 10:15
Analysis of HMRC figures found the net cost of providing pension tax relief climbed by £1.1 billion to £48.7 billion.
- 735 comments
- 21 shares
Markets have a habit of freaking out but you shouldn't: SIMON LAMBERT
08/08/24 11:16
Markets took a tumble this week. That didn't do my Isa investments any favours but the crucial mistake I made was looking in the first place.
- 71 comments
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50 of the best funds and investment trusts: Our experts reveal their top ideas
25/07/24 05:00
We asked trusted experts to recommend the best funds that cover different investment sectors - and included This is Money's selection of active and passive options too.
What your general election vote could mean for your finances: SIMON LAMBERT
04/07/24 05:00
This is our chance to have a say on how we want the economy and our finances to be shaped over the next five years. Here is what we know.
- 183 comments
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Get a flexible Isa to beat tax on your everyday savings: SIMON LAMBERT
27/06/24 05:00
In my view, a flexible cash Isa is the best type of savings account that you can have and an essential building block for managing your money.
- 2 comments
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How the Tories learnt to love taxing the rich - what really happened to UK taxes over the last 14 years
13/06/24 08:31
An intriguing look at the Conservatives' tax record reveals how income taxes have risen substantially for the highest earners but been cut for middle and lower earners.
Five ways to sort out Britain's tax mess: SIMON LAMBERT
06/06/24 10:20
Britain's tax system is a mess. Rishi Sunak, Jeremy Hunt, Keir Starmer and Rachel Reeves would rather ignore this and score cheap points. That gets us nowhere.
- 275 comments
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How 40-year mortgages put first-time buyers' futures at risk - and will cost much more
04/06/24 12:14
One in five mortgages for first-time buyers is for a term longer than 35 years - twice that seen just two years ago - and the loans risk future problems and far more interest.
- 58 comments
- 2 shares
Are you a Wetherspoon lover or hater? LEE BOYCE and SIMON LAMBERT have very different opinions on the pub giant
09/05/24 05:00
It's safe to say the pub chain - led by Sir Tim Martin - is a marmite type of establishment, with more than 800 sites across the country that many love to hate.
- 178 comments
- 61 shares
Should you really pay as much as possible into your pension? SIMON LAMBERT
02/05/24 01:39
Savers can currently access their work or personal pension from the age of 55, I'll probably have to wait until I am 58 - but that age could rise.
- 456 comments
- 26 shares
Will the high-flying US stock market stumble if rate cuts don't arrive? INVESTING SHOW
04/04/24 04:19
Simon Lambert is joined by Interactive Investor's Richard Hunter for a look at how markets have performed this year and what could happen next.
Sort your Isa and pension NOW to avoid the tax raid on savers: SIMON LAMBERT
03/04/24 10:58
It's probably never been more important to think about whether you need to act by 5 April and get as much as you can into an Isa or pension to protect against tax.
- 30 comments
- 23 shares
Going high in Kuhtai - a rooftop Alpine pool and the magic ingredients for a short ski break
30/03/24 11:56
Simon Lambert reviews Austria's snowsure Kuhtai and its Mooshaus hotel with a unique rooftop infinity pool - and gives five tips for saving money on a short ski break.
- 9 comments
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Six money experts on what YOU should do after the Budget: From pensions to property... and British Isas
07/03/24 11:52
Our top personal finance experts and a tax guru reveal what you should do now to protect your wealth: from pensions, to property, investing and savings.
- 37 comments
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Why fix a tax trap when you can kick it down the road? SIMON LAMBERT'S Budget verdict
07/03/24 06:00
The Chancellor presented himself with a golden opportunity in the Budget to sort out the illogical mess our tax system has got into.
Six ways the Budget could sort out Britain's tax mess: SIMON LAMBERT
29/02/24 01:28
Jermy Hunt should lay out a radical but coherent plan to fix the illogical mess our tax system has got into.
- 114 comments
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The UK is in recession: What does it mean for YOUR money?
15/02/24 05:20
We look at what a recession means for your mortgage, savings, pension and investments, and how you can shore up your finances in tough times.
- 1098 comments
- 174 shares
Our real top rate of income tax is 60% - and it's not the highest earners who pay it
08/02/24 02:01
It is widely considered to be one of the most perverse bits of our tax system. And yet, 15 years and seven Conservative Chancellors later, the 60% tax rate remains in place.
- 547 comments
- 62 shares
Should you fix your mortgage or savings? Experts reveal what they'd do in our definitive guide
05/02/24 02:21
In our definitive guide to whether to fix, we look at the forecasts for interest rates and ask our panel of savings and mortgage experts what they would do.
Should investors tempted into cash switch back to dividends? SIMON LAMBERT
01/02/24 03:00
Even ardent believers in long-term investing will have given serious thought to joining the dash to cash over the past 12 months or so. It might be time to change that.
- 5 comments
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How your work pension can turn £100 into £225: SIMON LAMBERT
18/01/24 06:00
If I told you that if you gave me £100, I would turn it into £225 immediately would that sound like a good deal?
- 418 comments
- 182 shares
Our friend Rich - the man who helped build the internet: In memory of Richard Browning
07/12/23 10:46
This is Money's Richard Browning died suddenly last weekend aged 57, this is a tribute to our wonderful friend.
- 11 comments
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Our start-up can turn a floorplan into a grand design for your home: Meet Peek Home's founders
05/12/23 06:00
For Jaemi and Roly Glancy sketching out how they could renovate their properties turned into a start-up helping others envisage what they could do with theirs.
- 3 comments
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This NI cut is welcome but it doesn't fix Britain's stealth tax problem, says SIMON LAMBERT
23/11/23 06:00
We should celebrate a tax cut wherever we can get it but there's an even neater trick lying behind this one - the stealth tax freeze on income tax thresholds that eats into workers' gains.
The best investment trusts of the past decade now going cheap: SIMON LAMBERT
02/11/23 06:01
The top performing investment trusts of the past ten years that also trade on double-digit discounts are featured on an interesting new list.
Stealth tax is hitting our savings and investments as well as income, says SIMON LAMBERT
19/10/23 12:24
There comes a point at which stealth tax stops being stealthy, but freezing income tax thresholds brings more pain elsewhere too.
- 495 comments
- 79 shares
SUV coupes are daft in theory but the Audi Q8 is annoyingly good in practice: We try to find out why buyers want 'sporty' 4x4s
07/10/23 05:00
The rise of the SUV coupe is one of motoring's daftest trends, taking a big, heavy car and trying to make it sporty. But luxury car buyers can't get enough of them, we find out why.
The trick that can transform your cash Isa into a flexible tax-free winner
05/10/23 11:04
A good savings rate is vital but there's a lesser-known Isa element you might be missing that could prove very useful in keeping as much as your savings tax-free as possible.
- 9 comments
- 30 shares
SIMON LAMBERT: The Bank of England may have paused but interest rates and inflation are heading back towards the 'old normal'
21/09/23 05:01
Regardless of how swiftly CPI falls and whether the landing ends up being quite bumpy, it shouldn't be long before the Bank of England base rate is above inflation.
- 105 comments
- 4 shares
Axe the triple lock and come up with a guarantee the government can stick to, says SIMON LAMBERT
14/09/23 07:52
Over the past few years, debating whether the triple lock will be unpicked has become an annual event, it's time to replace it with a better policy that has a clear purpose.
- 1006 comments
- 31 shares
These blockbuster savings rates are worth snapping up - but don't miss deals that vanish fast, says SIMON LAMBERT
09/09/23 10:03
Just when we thought savings rates were slipping back, a couple of absolute humdingers have arrived - but be warned these kinds of deals often don't last.
- 44 comments
- 11 shares
Do you reckon house prices are down more than 5% near you? You're probably right
01/09/23 08:19
While the headline figures from house price indices provide a way to take the temperature of the market, they rarely reflect the true shift in property values near you.
- 42 comments
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Wages rising faster than inflation is good news, but after the UK's 17 years in the doldrums it must be sustained
19/08/23 11:10
Britain is getting a proper pay rise as wages rise faster than inflation and that's a good thing, especially as real wages are no higher than in 2006.
- 357 comments
- 27 shares
I had steeled myself for a battle but bravo to Booking.com for good customer service
10/08/23 05:00
As well as holding companies to account, we also try to give praise where it's due, so I should share this tale of good customer service, says SIMON LAMBERT.
- 22 comments
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The Bank of England pledged rate rises would be 'gradual and limited' then threw a generation of homeowners under the bus, says SIMON LAMBERT
14/07/23 10:18
Many people were concerned about super low rates and mega mortgages, but the mantra back was not to worry, as rates would only rise gently and slowly.
House prices drop £7,500 in a year to fall at their fastest rate in 12 years as mortgage mayhem takes its toll
07/07/23 07:31
Halifax's index showed the average house price down 2.6 per cent over the past year but adjusted for inflation values have fallen by much more.
- 135 comments
- 13 shares
We need to call time on the two-year fixed rate 'casino mortgages' that make this mayhem worse, says SIMON LAMBERT
22/06/23 08:28
Two-year fixed rates aren't responsible for the current mortgage mayhem but they are certainly compounding the misery.
Why are mortgage rates rising so quickly and will they keep going up? How stubborn inflation triggered a spike
20/06/23 03:43
Fresh inflation figures showing CPI sticking at 8.7% have heaped further pressure on the Bank of England and the mortgage market. We explain what is going on.
I'm a fan of investing for the long term but these one-year fixed savings deals paying 5%-plus look too good to pass up, says SIMON LAMBERT
08/06/23 12:43
Sometimes even if you believe firmly in the long-term case for investing, a guaranteed short-term return might be worth considering.
- 87 comments
- 88 shares
Building society giant Nationwide will dish out £340million with its 'Fairer Share' offer (after raking in £2.2billion profits): Will you get a payment?
19/05/23 06:45
Customer members who are eligible will get a payout, according to Nationwide, which also announced a new 4.75% paying two-year fixed rate savings account.
- 972 comments
- 298 shares
SIMON LAMBERT: Inheritance tax is catching more families in its net, should we cut the rate to 20%?
18/05/23 12:58
The best way to detoxify inheritance tax would be to radically simplify it and levy it at a much more palatable rate.
- 1305 comments
- 29 shares
Reviving the lifetime allowance would hurt young workers aspiring to good pensions, says SIMON LAMBERT, so why do Labour want to bring it back?
27/04/23 05:00
Is it really the case that we don't want people to aspire to an annual pension income any greater than £43,000? That's what bringing back the lifetime allowance would say.
- 257 comments
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SIMON LAMBERT: My Starling bank card gets me fee-free cash machine withdrawals in Europe, so why have I suddenly started being charged?
20/04/23 08:05
I've been happily using my Starling debit card for fee-free spending and cash withdrawals for some years, but it looks like us Britons are now being hit with a post-Brexit sting
- 443 comments
- 7 shares
SIMON LAMBERT: The UK stock market is cheap but will investors who back it finally get luck on their side?
13/04/23 09:35
If I had a pound for every time that I've read that the UK stock market is cheap, I'd probably have made more money than by backing those 'bargain' UK shares.
- 83 comments
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Will a Chancellor ever be brave enough to fix Britain's tax mess? asks SIMON LAMBERT: From the child benefit trap, to a £20k childcare penalty and 60% tax
30/03/23 08:19
The flagship Budget childcare policy created distortions 'among the most severe you will ever see', said the IFS. Yet another unfair tax system trap.
- 363 comments
- 11 shares
Should you sell your investments now? SIMON LAMBERT on how a quirkily named Bed & Isa could protect you in the tax raid on profits and dividends
23/03/23 06:00
Not only can you benefit from the future protection against tax of holding investments in an Isa, but you also use up some of this year's higher capital gains tax allowance.
Tax hikes are looming: Why you should consider a Bed & Isa now to cash in capital gains before the allowance is slashed on 6 April
20/03/23 03:39
Doing a Bed and Isa transfer now before the new tax year could save some investors with sizeable portfolios hundreds of pounds.
- 9 comments
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The Dividend Heroes raising payouts since the Rolling Stones released Ruby Tuesday: SIMON LAMBERT on the 18-strong list of real long-term investors
09/03/23 06:00
The Dividend Heroes list celebrates the investment trusts with the longest non-stop history of raising dividend payouts for investors, year-in, year-out.
Are you allowing your bank to rip you off? As big banks fail savers on rate hikes, SIMON LAMBERT on how to ditch them and get a better savings deal
02/03/23 06:00
As interest rates have been picked up off the floor, Britain's big banks have been thoroughly indulging themselves. Don't put up with it.
- 240 comments
- 43 shares
Five tips to boost your Isa: SIMON LAMBERT'S quick guide to finding the best cash savings rates - and how investors can avoid a looming tax raid
23/02/23 06:00
The Isa deadline is closing in thick and fast, with the end of the tax year now just six weeks away - and this year it is even more important to shelter your money from tax.
- 41 comments
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Can you save money on a ski holiday by staying in the city? We visit Innsbruck to check out a family mountain and city break rolled into one
18/02/23 07:00
There's no getting round the fact a ski trip is pricey, but you can still try to get good value for money. SIMON LAMBERT visited Innsbruck to check out its Ski Plus City idea.
- 35 comments
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We've turned our thermostat down to 18C, skimped on heating and switched off lights, so how much energy has it saved? asks SIMON LAMBERT
16/02/23 06:00
Sky-high gas and electricity prices have tipped us into chnaging our behaviour, but how much has our not-so-militant energy-saving drive saved?
- 1719 comments
- 4 shares
The best five-year fixed mortgages are back below 4% but borrowers aren't out of the woods yet on rate rise pain, says SIMON LAMBERT
09/02/23 08:14
How have we ended up in a scenario where banks and building societies are sending mortgage rates in the opposite direction to the Bank of England's moves?
Don't supersize me! Volvo's XC60 could be all the SUV you need, says SIMON LAMBERT, after he loaded one up for a 1,400 mile family road trip
04/02/23 07:00
Middle-class families love a Volvo SUV and top dog is the XC90, but it's massive. So, will an XC60 fit everything you need in and do the premium SUV job equally well?
- 184 comments
- 25 shares
Rate hikes have broken up the house price party but higher mortgage rates and cheaper homes wouldn't be a bad result, says SIMON LAMBERT
02/02/23 07:00
Falling property values will cause some short-term pain, but higher mortgage rates and lower house prices compared to wages wouldn't necessarily be a bad long-term result.
- 97 comments
- 23 shares
Premium Bonds may now be the best place for your rainy day savings, says SIMON LAMBERT, but you need to consider these things first
26/01/23 07:00
The prize fund rate challenges top savings deals but there are two questions you need to ask: Are Premium Bonds easy access and how likely am I to get that rate of return?
- 777 comments
- 37 shares
Does spending in cash really help people budget - or have you got a better trick up your sleeve? asks SIMON LAMBERT
12/01/23 07:00
Britain's biggest building society Nationwide, says cash use is on the up - bucking years of decline - but can it really help in the cost of living crunch?
- 220 comments
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A night at Mollie's: It's Soho House-designed to take on the budget hotel giants, so how does the American-style motel in Bristol stack up?
07/01/23 07:00
Putting Britons up in affordable rooms is good business and Mollie's is taking on Premier Inn and Travelodge with a Soho-House designed twist. Simon Lambert reviews it.
Five tips to get richer in 2023: From sorting your savings and mortgage to investing, SIMON LAMBERT on how to fix your finances for the year ahead
26/12/22 11:06
There's every chance that 2023 will be a much better year for our finances than 2022's painful experience, but it's important not to just leave your financial year ahead to luck.
Are we nearly there yet? Interest rates are going up again but savers and borrowers want to know when they will peak, says SIMON LAMBERT
15/12/22 07:00
Central banks have performed a screeching U-turn and dramatically hiked rates, but we might now be getting closer to a lower peak than recently thought.
- 125 comments
- 6 shares
As all pensioner households get £300 cost of living payments, should the wealthier give them to someone who needs it? asks SIMON LAMBERT
08/12/22 07:00
Payments will not be means-tested and all pensioner households will get £300. For some it will be essential but for others it is not needed, so why not give it away?
How to move your savings to a better rate before Christmas: SIMON LAMBERT's four tips on how to boost your returns
01/12/22 12:54
Before December gets a hold of you - the socialising, gift-buying and last-minute Christmas rush - give yourself a present: move your savings to a better account.
How YOU could beat inflation in the future by moving your savings now: SIMON LAMBERT answers your savings questions - including where to find the best rates and how acting today could pay off
29/11/22 08:44
VIDEO: This is Money editor Simon Lambert explains how it might be possible to beat inflation over the next two years by choosing a better savings account now..
What is the UK's £55billion 'fiscal black hole'? SIMON LAMBERT on why we face a wave of Budget tax hikes into a recession based on a forecast
17/11/22 07:00
What is this fiscal black hole, why is it bad enough to warrant this, and is it true that if you tinker with the numbers a bit in the forecasts it goes away?
How to start budgeting and my tips for success
10/11/22 01:16
Even if you feel you've done quite enough thinking about your or the country's finances recently, let me put the case for doing just a bit more and getting your budget sorted.
- 222 comments
- 32 shares
Beware the stealth tax trick! It may not sound as bad as a tax hike but freezing thresholds can be more painful, says SIMON LAMBERT
08/11/22 11:59
You can see why Chancellors like it. Even when it is obvious it is happening, stealth tax sounds so much more palatable than a tax hike, but it's often worse.
- 323 comments
- 17 shares
Want to invest with solid foundations? Watch the Investing Basics videos that explain what you need to know
25/10/22 06:00
Investing Basics is a jargon-free, entertaining set of ten episodes presented by full-time investor and former TV journalist Glen Goodman.
Slashing the energy price guarantee will make a recession worse as we hunker down, says SIMON LAMBERT, because markets like certainty but so do people
20/10/22 06:00
Until Jeremy Hunt dropped his energy price guarantee bombshell, the one bit of good news was that at least we didn't have to worry quite as much as before about energy bills.
Will the triple lock be axed AGAIN? Warning that pledge to raise state pensions could fall victim to Jeremy Hunt's cuts
17/10/22 11:49
Just a day before the inflation figure that sets it is due, there are fears the triple lock, which Liz Truss vowed would be restored, could be axed again next year to save money.
Soaring mortgage rates have slashed what buyers can afford to borrow, says SIMON LAMBERT, so when will this feed through to house prices?
14/10/22 06:00
Britain's home buyers need to downgrade their expectations, magic up some more cash, or get sellers to drop their prices.
- 916 comments
- 52 shares
Removing 45p tax for the rich went down like a lead balloon, says SIMON LAMBERT, but here are five middle-class tax cuts that could prove a winner
06/10/22 06:00
The loss of a tax cut for those earning more than £150,000 a year has brought little sympathy, but there are some better moves the Chancellor could make.
The heavily-mortgaged generation will pay the price for Britain's lurch from difficult times to mini-financial crisis, says SIMON LAMBERT
29/09/22 06:00
The events of the past week have been astonishing as we accelerated to Bank of England intervention, it won't be enough to stem the mortgage pain.
- 1863 comments
- 12 shares
A stamp duty cut may sound crazy right now but maybe it's always a good time to sort out a bad tax, says SIMON LAMBERT... just don't make it a holiday
22/09/22 06:00
Stamp duty is a bad tax that deters people from moving home and inhibits economic movement, so we need a proper overhaul and not another distorting holiday.
- 339 comments
- 174 shares
Savings rates are rising rapidly but don't let inertia eat into your returns, says SIMON LAMBERT... here's how our new alerts can help
15/09/22 02:11
It's inertia that can be the real killer when it comes to savings returns, as we leave money in poor-paying legacy accounts. That's why we built a new tool for readers.
- 43 comments
- 22 shares
Heating costs are soaring - but here's why you SHOULDN'T stop paying the bill... or halt pension contributions
03/09/22 09:15
THIS IS MONEY EDITOR SIMON LAMBERT: A raft of social media campaigns have popped up that involve not paying your bills. But stopping paying them is not a wise move.
- 190 comments
- 4 shares
Five false economies to avoid as inflation bites: SIMON LAMBERT on why you shouldn't bin the budget, not pay bills or skip your pension
01/09/22 05:00
While trimming non-essential spending and making sure you have a healthy rainy-day pot built up is a wise move, there are some things you should avoid doing.
- 97 comments
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SIMON LAMBERT: Will the government have to pay people's energy bills as the price cap rockets to impossible levels for some?
11/08/22 06:00
It's no wonder there is currently a furious backlash against rising energy prices that is rapidly gathering steam with campaigns like Don't Pay.
- 182 comments
- shares
SIMON LAMBERT: House prices look like they are soaring despite rate rises... but to take the property market's temperature look at what's not selling
04/08/22 07:57
It's not just the headline big house price report numbers you should look at, it's also worth keeping an eye on what's going on near you or where you'd like to buy.
- 89 comments
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