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Child Benefit charge and Marriage Allowance check

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Two family tax checks in one place. See if Child Benefit is clawed back, and if you can save up to £252 by sharing allowance.

HMRC rules for 2024/25 onwards: charge starts at £60,000. Marriage Allowance 2026/27: £1,260.

Common questions

When does the Child Benefit charge start?

When the higher earner has adjusted net income over £60,000.

How much can Marriage Allowance save?

Up to £252 a year in 2026/27, if one partner earns under the allowance and the other pays basic rate.