{
  "generated": "2026-07-22",
  "site": "https://moneyguide.org.uk",
  "coverage": "all pillar guides, all sub-guides, all answers",
  "count": 748,
  "mirrors": [
    {
      "kind": "pillar",
      "title": "Banking & current accounts in the UK",
      "html": "https://moneyguide.org.uk/banking/",
      "markdown": "https://moneyguide.org.uk/banking/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Savings accounts & ISAs",
      "html": "https://moneyguide.org.uk/savings/",
      "markdown": "https://moneyguide.org.uk/savings/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Mortgages & buying your first home",
      "html": "https://moneyguide.org.uk/mortgages/",
      "markdown": "https://moneyguide.org.uk/mortgages/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Pensions & retirement",
      "html": "https://moneyguide.org.uk/pensions/",
      "markdown": "https://moneyguide.org.uk/pensions/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Credit cards & loans",
      "html": "https://moneyguide.org.uk/credit/",
      "markdown": "https://moneyguide.org.uk/credit/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Debt help — your free, regulated options",
      "html": "https://moneyguide.org.uk/debt-help/",
      "markdown": "https://moneyguide.org.uk/debt-help/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Insurance — what's worth paying for",
      "html": "https://moneyguide.org.uk/insurance/",
      "markdown": "https://moneyguide.org.uk/insurance/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Benefits & tax",
      "html": "https://moneyguide.org.uk/benefits-tax/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Investing & Stocks and Shares ISAs",
      "html": "https://moneyguide.org.uk/investing/",
      "markdown": "https://moneyguide.org.uk/investing/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Bills, energy & council tax",
      "html": "https://moneyguide.org.uk/bills-utilities/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Family, care & life events",
      "html": "https://moneyguide.org.uk/family-life/",
      "markdown": "https://moneyguide.org.uk/family-life/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Work, pay & self-employment",
      "html": "https://moneyguide.org.uk/work-earnings/",
      "markdown": "https://moneyguide.org.uk/work-earnings/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Cars & motoring",
      "html": "https://moneyguide.org.uk/cars-motoring/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Budgeting & saving money in the UK",
      "html": "https://moneyguide.org.uk/budgeting/",
      "markdown": "https://moneyguide.org.uk/budgeting/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/budgeting/guide.md"
    },
    {
      "kind": "pillar",
      "title": "Money for students and young adults",
      "html": "https://moneyguide.org.uk/students/",
      "markdown": "https://moneyguide.org.uk/students/guide.md",
      "api": "https://moneyguide.org.uk/api/guides/students/guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "FSCS deposit protection: how the £85,000 limit really works",
      "html": "https://moneyguide.org.uk/banking/fscs-deposit-protection/",
      "markdown": "https://moneyguide.org.uk/banking/fscs-deposit-protection.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/fscs-deposit-protection.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "How the Current Account Switch Service (CASS) works",
      "html": "https://moneyguide.org.uk/banking/current-account-switch-service/",
      "markdown": "https://moneyguide.org.uk/banking/current-account-switch-service.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/current-account-switch-service.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "Authorised push payment (APP) fraud: the new reimbursement rules",
      "html": "https://moneyguide.org.uk/banking/app-fraud-reimbursement/",
      "markdown": "https://moneyguide.org.uk/banking/app-fraud-reimbursement.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/app-fraud-reimbursement.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "How to choose the best current account in the UK",
      "html": "https://moneyguide.org.uk/banking/best-current-accounts-explained/",
      "markdown": "https://moneyguide.org.uk/banking/best-current-accounts-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/best-current-accounts-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "Overdrafts explained: arranged, unarranged and the real cost",
      "html": "https://moneyguide.org.uk/banking/overdraft-explained/",
      "markdown": "https://moneyguide.org.uk/banking/overdraft-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/overdraft-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "Balance transfer credit cards explained",
      "html": "https://moneyguide.org.uk/banking/balance-transfer-cards-explained/",
      "markdown": "https://moneyguide.org.uk/banking/balance-transfer-cards-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/balance-transfer-cards-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "Credit builder credit cards explained",
      "html": "https://moneyguide.org.uk/banking/credit-builder-cards-explained/",
      "markdown": "https://moneyguide.org.uk/banking/credit-builder-cards-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/credit-builder-cards-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "Overdraft vs credit card borrowing: which costs less?",
      "html": "https://moneyguide.org.uk/banking/overdraft-vs-credit-card-borrowing/",
      "markdown": "https://moneyguide.org.uk/banking/overdraft-vs-credit-card-borrowing.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/overdraft-vs-credit-card-borrowing.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "Joint bank accounts explained: rights, risks and alternatives",
      "html": "https://moneyguide.org.uk/banking/joint-account-explained/",
      "markdown": "https://moneyguide.org.uk/banking/joint-account-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/joint-account-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "Are premium bank accounts worth the monthly fee?",
      "html": "https://moneyguide.org.uk/banking/premium-bank-accounts-worth-it/",
      "markdown": "https://moneyguide.org.uk/banking/premium-bank-accounts-worth-it.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/premium-bank-accounts-worth-it.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "Business bank account basics UK",
      "html": "https://moneyguide.org.uk/banking/business-bank-account-basics/",
      "markdown": "https://moneyguide.org.uk/banking/business-bank-account-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/business-bank-account-basics.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "banking",
      "title": "UK bank switching bonuses: CASS rules and July 2026 offers",
      "html": "https://moneyguide.org.uk/banking/bank-switching-bonuses/",
      "markdown": "https://moneyguide.org.uk/banking/bank-switching-bonuses.md",
      "api": "https://moneyguide.org.uk/api/guides/banking/bank-switching-bonuses.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "The ISA allowance for 2026/27 explained",
      "html": "https://moneyguide.org.uk/savings/isa-allowance-2026-27/",
      "markdown": "https://moneyguide.org.uk/savings/isa-allowance-2026-27.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/isa-allowance-2026-27.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "How the Personal Savings Allowance works",
      "html": "https://moneyguide.org.uk/savings/personal-savings-allowance/",
      "markdown": "https://moneyguide.org.uk/savings/personal-savings-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/personal-savings-allowance.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Cash ISA vs Stocks & Shares ISA — what's the difference?",
      "html": "https://moneyguide.org.uk/savings/cash-isa-vs-stocks-and-shares-isa/",
      "markdown": "https://moneyguide.org.uk/savings/cash-isa-vs-stocks-and-shares-isa.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/cash-isa-vs-stocks-and-shares-isa.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Premium Bonds explained: odds, prizes and the tax position",
      "html": "https://moneyguide.org.uk/savings/premium-bonds-explained/",
      "markdown": "https://moneyguide.org.uk/savings/premium-bonds-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/premium-bonds-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Savings rates explained: easy-access, fixed and regular savers",
      "html": "https://moneyguide.org.uk/savings/best-savings-rates-explained/",
      "markdown": "https://moneyguide.org.uk/savings/best-savings-rates-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/best-savings-rates-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Lifetime ISA (LISA) explained: bonus, rules and the penalty",
      "html": "https://moneyguide.org.uk/savings/lifetime-isa-explained/",
      "markdown": "https://moneyguide.org.uk/savings/lifetime-isa-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/lifetime-isa-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Fixed-rate vs easy-access savings accounts",
      "html": "https://moneyguide.org.uk/savings/fixed-vs-easy-access-savings/",
      "markdown": "https://moneyguide.org.uk/savings/fixed-vs-easy-access-savings.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/fixed-vs-easy-access-savings.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Regular saver accounts explained: high rates with strict rules",
      "html": "https://moneyguide.org.uk/savings/regular-saver-accounts-explained/",
      "markdown": "https://moneyguide.org.uk/savings/regular-saver-accounts-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/regular-saver-accounts-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "The savings ladder strategy: balancing rate and access",
      "html": "https://moneyguide.org.uk/savings/savings-ladder-strategy/",
      "markdown": "https://moneyguide.org.uk/savings/savings-ladder-strategy.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/savings-ladder-strategy.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Cash ISA rule changes from April 2027: what savers need to know",
      "html": "https://moneyguide.org.uk/savings/cash-isa-2027-rule-change/",
      "markdown": "https://moneyguide.org.uk/savings/cash-isa-2027-rule-change.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/cash-isa-2027-rule-change.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Junior ISAs explained: saving and investing for children",
      "html": "https://moneyguide.org.uk/savings/junior-isa-explained/",
      "markdown": "https://moneyguide.org.uk/savings/junior-isa-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/junior-isa-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Notice savings accounts explained",
      "html": "https://moneyguide.org.uk/savings/notice-savings-accounts-explained/",
      "markdown": "https://moneyguide.org.uk/savings/notice-savings-accounts-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/notice-savings-accounts-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Children's savings accounts explained",
      "html": "https://moneyguide.org.uk/savings/childrens-savings-accounts-explained/",
      "markdown": "https://moneyguide.org.uk/savings/childrens-savings-accounts-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/childrens-savings-accounts-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Cash ISA transfer process explained",
      "html": "https://moneyguide.org.uk/savings/cash-isa-transfer-process/",
      "markdown": "https://moneyguide.org.uk/savings/cash-isa-transfer-process.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/cash-isa-transfer-process.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Help to Save scheme explained",
      "html": "https://moneyguide.org.uk/savings/help-to-save-scheme-explained/",
      "markdown": "https://moneyguide.org.uk/savings/help-to-save-scheme-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/help-to-save-scheme-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "NS&I savings products explained",
      "html": "https://moneyguide.org.uk/savings/ns-and-i-savings-products/",
      "markdown": "https://moneyguide.org.uk/savings/ns-and-i-savings-products.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/ns-and-i-savings-products.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Fixed-rate bond savings explained",
      "html": "https://moneyguide.org.uk/savings/fixed-rate-bond-savings-explained/",
      "markdown": "https://moneyguide.org.uk/savings/fixed-rate-bond-savings-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/fixed-rate-bond-savings-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Best UK savings rates (July 2026)",
      "html": "https://moneyguide.org.uk/savings/best-savings-rates/",
      "markdown": "https://moneyguide.org.uk/savings/best-savings-rates.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/best-savings-rates.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Best Cash ISA rates UK (July 2026)",
      "html": "https://moneyguide.org.uk/savings/best-cash-isa-rates/",
      "markdown": "https://moneyguide.org.uk/savings/best-cash-isa-rates.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/best-cash-isa-rates.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Sharia-compliant savings in the UK: how Islamic finance works",
      "html": "https://moneyguide.org.uk/savings/sharia-compliant-savings/",
      "markdown": "https://moneyguide.org.uk/savings/sharia-compliant-savings.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/sharia-compliant-savings.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "savings",
      "title": "Lifetime ISA withdrawal rules: penalties, first home and retirement",
      "html": "https://moneyguide.org.uk/savings/lifetime-isa-withdrawal-rules/",
      "markdown": "https://moneyguide.org.uk/savings/lifetime-isa-withdrawal-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/savings/lifetime-isa-withdrawal-rules.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "What is loan-to-value (LTV) and why does it matter?",
      "html": "https://moneyguide.org.uk/mortgages/loan-to-value-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/loan-to-value-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/loan-to-value-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Fixed-rate vs tracker mortgage — which is right?",
      "html": "https://moneyguide.org.uk/mortgages/fixed-vs-tracker-mortgage/",
      "markdown": "https://moneyguide.org.uk/mortgages/fixed-vs-tracker-mortgage.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/fixed-vs-tracker-mortgage.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "How remortgaging works — and when to start the process",
      "html": "https://moneyguide.org.uk/mortgages/remortgage-guide/",
      "markdown": "https://moneyguide.org.uk/mortgages/remortgage-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/remortgage-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "First-time buyer step-by-step — from saving to keys",
      "html": "https://moneyguide.org.uk/mortgages/first-time-buyer-step-by-step/",
      "markdown": "https://moneyguide.org.uk/mortgages/first-time-buyer-step-by-step.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/first-time-buyer-step-by-step.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Equity release — how lifetime mortgages really work",
      "html": "https://moneyguide.org.uk/mortgages/equity-release/",
      "markdown": "https://moneyguide.org.uk/mortgages/equity-release.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/equity-release.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "How much can I borrow for a mortgage?",
      "html": "https://moneyguide.org.uk/mortgages/how-much-can-i-borrow/",
      "markdown": "https://moneyguide.org.uk/mortgages/how-much-can-i-borrow.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/how-much-can-i-borrow.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Stamp Duty explained: rates, bands and first-time buyer relief",
      "html": "https://moneyguide.org.uk/mortgages/stamp-duty-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/stamp-duty-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/stamp-duty-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Mortgage rates explained: fixed, tracker and the cost of waiting",
      "html": "https://moneyguide.org.uk/mortgages/mortgage-rates-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/mortgage-rates-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/mortgage-rates-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Help to Buy and shared ownership: buying with a smaller deposit",
      "html": "https://moneyguide.org.uk/mortgages/help-to-buy-and-shared-ownership/",
      "markdown": "https://moneyguide.org.uk/mortgages/help-to-buy-and-shared-ownership.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/help-to-buy-and-shared-ownership.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "How much deposit do I need to buy a home in the UK?",
      "html": "https://moneyguide.org.uk/mortgages/deposit-how-much-do-i-need/",
      "markdown": "https://moneyguide.org.uk/mortgages/deposit-how-much-do-i-need.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/deposit-how-much-do-i-need.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Mortgage in principle explained: what it is and why you need one",
      "html": "https://moneyguide.org.uk/mortgages/mortgage-in-principle-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/mortgage-in-principle-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/mortgage-in-principle-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Conveyancing explained: the legal process of buying a home",
      "html": "https://moneyguide.org.uk/mortgages/conveyancing-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/conveyancing-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/conveyancing-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Green mortgages explained: cheaper rates for energy-efficient homes",
      "html": "https://moneyguide.org.uk/mortgages/green-mortgage-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/green-mortgage-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/green-mortgage-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Shared ownership staircasing: buying more of your home",
      "html": "https://moneyguide.org.uk/mortgages/shared-ownership-staircasing/",
      "markdown": "https://moneyguide.org.uk/mortgages/shared-ownership-staircasing.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/shared-ownership-staircasing.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Buy-to-let tax basics: what landlords need to know",
      "html": "https://moneyguide.org.uk/mortgages/buy-to-let-tax-basics/",
      "markdown": "https://moneyguide.org.uk/mortgages/buy-to-let-tax-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/buy-to-let-tax-basics.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Mortgage prisoners explained: trapped on high rates",
      "html": "https://moneyguide.org.uk/mortgages/mortgage-prisoners-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/mortgage-prisoners-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/mortgage-prisoners-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Tenant deposit protection in England",
      "html": "https://moneyguide.org.uk/mortgages/tenant-deposit-protection/",
      "markdown": "https://moneyguide.org.uk/mortgages/tenant-deposit-protection.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/tenant-deposit-protection.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Rent increases: tenant rights under Section 13",
      "html": "https://moneyguide.org.uk/mortgages/rent-increases-tenant-rights/",
      "markdown": "https://moneyguide.org.uk/mortgages/rent-increases-tenant-rights.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/rent-increases-tenant-rights.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Tenant rights to repairs and habitable homes",
      "html": "https://moneyguide.org.uk/mortgages/tenant-repairs-rights/",
      "markdown": "https://moneyguide.org.uk/mortgages/tenant-repairs-rights.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/tenant-repairs-rights.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Ending a tenancy as a tenant",
      "html": "https://moneyguide.org.uk/mortgages/ending-a-tenancy-tenant-guide/",
      "markdown": "https://moneyguide.org.uk/mortgages/ending-a-tenancy-tenant-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/ending-a-tenancy-tenant-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Renters' Rights Act: what tenants need to know",
      "html": "https://moneyguide.org.uk/mortgages/renters-rights-act-tenant-guide/",
      "markdown": "https://moneyguide.org.uk/mortgages/renters-rights-act-tenant-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/renters-rights-act-tenant-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Landlord deposit protection obligations",
      "html": "https://moneyguide.org.uk/mortgages/landlord-deposit-protection/",
      "markdown": "https://moneyguide.org.uk/mortgages/landlord-deposit-protection.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/landlord-deposit-protection.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Landlord possession grounds after Section 21 ended",
      "html": "https://moneyguide.org.uk/mortgages/landlord-possession-grounds/",
      "markdown": "https://moneyguide.org.uk/mortgages/landlord-possession-grounds.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/landlord-possession-grounds.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Landlord EPC and minimum energy standards",
      "html": "https://moneyguide.org.uk/mortgages/landlord-epc-requirements/",
      "markdown": "https://moneyguide.org.uk/mortgages/landlord-epc-requirements.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/landlord-epc-requirements.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Selective licensing and landlord registration",
      "html": "https://moneyguide.org.uk/mortgages/landlord-selective-licensing/",
      "markdown": "https://moneyguide.org.uk/mortgages/landlord-selective-licensing.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/landlord-selective-licensing.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Private renting in England: tenant and landlord essentials",
      "html": "https://moneyguide.org.uk/mortgages/private-renting-guide/",
      "markdown": "https://moneyguide.org.uk/mortgages/private-renting-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/private-renting-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Mortgage overpayment explained",
      "html": "https://moneyguide.org.uk/mortgages/mortgage-overpayment-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/mortgage-overpayment-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/mortgage-overpayment-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Porting a mortgage explained",
      "html": "https://moneyguide.org.uk/mortgages/porting-a-mortgage-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/porting-a-mortgage-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/porting-a-mortgage-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Offset mortgage explained",
      "html": "https://moneyguide.org.uk/mortgages/offset-mortgage-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/offset-mortgage-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/offset-mortgage-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Interest-only mortgage explained",
      "html": "https://moneyguide.org.uk/mortgages/interest-only-mortgage-explained/",
      "markdown": "https://moneyguide.org.uk/mortgages/interest-only-mortgage-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/interest-only-mortgage-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Mortgage affordability rules explained",
      "html": "https://moneyguide.org.uk/mortgages/mortgage-affordability-rules/",
      "markdown": "https://moneyguide.org.uk/mortgages/mortgage-affordability-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/mortgage-affordability-rules.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Mortgage early repayment charges explained",
      "html": "https://moneyguide.org.uk/mortgages/mortgage-early-repayment-charges/",
      "markdown": "https://moneyguide.org.uk/mortgages/mortgage-early-repayment-charges.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/mortgage-early-repayment-charges.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Bridging finance basics: when short-term property loans make sense",
      "html": "https://moneyguide.org.uk/mortgages/bridging-finance-basics/",
      "markdown": "https://moneyguide.org.uk/mortgages/bridging-finance-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/bridging-finance-basics.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Mortgage offer to completion: the UK homebuying timeline",
      "html": "https://moneyguide.org.uk/mortgages/mortgage-offer-to-completion/",
      "markdown": "https://moneyguide.org.uk/mortgages/mortgage-offer-to-completion.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/mortgage-offer-to-completion.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "Equity release alternatives: downsizing, RIO mortgages and other options",
      "html": "https://moneyguide.org.uk/mortgages/equity-release-alternatives-guide/",
      "markdown": "https://moneyguide.org.uk/mortgages/equity-release-alternatives-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/equity-release-alternatives-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "mortgages",
      "title": "How to compare mortgage deals in the UK",
      "html": "https://moneyguide.org.uk/mortgages/compare-mortgage-deals-guide/",
      "markdown": "https://moneyguide.org.uk/mortgages/compare-mortgage-deals-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/mortgages/compare-mortgage-deals-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "The State Pension in 2026/27 — explained simply",
      "html": "https://moneyguide.org.uk/pensions/state-pension-explained/",
      "markdown": "https://moneyguide.org.uk/pensions/state-pension-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/state-pension-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Workplace pension vs SIPP — which should you use?",
      "html": "https://moneyguide.org.uk/pensions/workplace-pension-vs-sipp/",
      "markdown": "https://moneyguide.org.uk/pensions/workplace-pension-vs-sipp.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/workplace-pension-vs-sipp.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "The pension Annual Allowance explained",
      "html": "https://moneyguide.org.uk/pensions/annual-allowance/",
      "markdown": "https://moneyguide.org.uk/pensions/annual-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/annual-allowance.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Drawdown vs annuity — choosing how to take your pension",
      "html": "https://moneyguide.org.uk/pensions/drawdown-vs-annuity/",
      "markdown": "https://moneyguide.org.uk/pensions/drawdown-vs-annuity.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/drawdown-vs-annuity.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "April 2027 — when pensions enter Inheritance Tax",
      "html": "https://moneyguide.org.uk/pensions/april-2027-pension-iht/",
      "markdown": "https://moneyguide.org.uk/pensions/april-2027-pension-iht.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/april-2027-pension-iht.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Pension consolidation — when to combine old pensions",
      "html": "https://moneyguide.org.uk/pensions/pension-consolidation/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-consolidation.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-consolidation.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Self-Invested Personal Pensions (SIPPs) explained",
      "html": "https://moneyguide.org.uk/pensions/sipps-explained/",
      "markdown": "https://moneyguide.org.uk/pensions/sipps-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/sipps-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Retiring early: how much you need and how to bridge to State Pension",
      "html": "https://moneyguide.org.uk/pensions/retiring-early-how-much-you-need/",
      "markdown": "https://moneyguide.org.uk/pensions/retiring-early-how-much-you-need.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/retiring-early-how-much-you-need.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "What happens to your pension when you die",
      "html": "https://moneyguide.org.uk/pensions/pension-death-benefits/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-death-benefits.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-death-benefits.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Pension Credit: who qualifies and how to claim",
      "html": "https://moneyguide.org.uk/pensions/pension-credit-claim/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-credit-claim.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-credit-claim.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Pension tax relief explained: free money on what you save",
      "html": "https://moneyguide.org.uk/pensions/pension-tax-relief-explained/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-tax-relief-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-tax-relief-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Pension Wise explained: free guidance for over-50s",
      "html": "https://moneyguide.org.uk/pensions/pension-wise-explained/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-wise-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-wise-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Phased retirement explained: easing into retirement income",
      "html": "https://moneyguide.org.uk/pensions/phased-retirement-explained/",
      "markdown": "https://moneyguide.org.uk/pensions/phased-retirement-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/phased-retirement-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Employer pension matching: don't leave free money on the table",
      "html": "https://moneyguide.org.uk/pensions/employer-pension-matching/",
      "markdown": "https://moneyguide.org.uk/pensions/employer-pension-matching.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/employer-pension-matching.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "State pension deferral: boosting your weekly payment",
      "html": "https://moneyguide.org.uk/pensions/state-pension-deferral/",
      "markdown": "https://moneyguide.org.uk/pensions/state-pension-deferral.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/state-pension-deferral.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Workplace pension auto-enrolment explained",
      "html": "https://moneyguide.org.uk/pensions/workplace-pension-auto-enrolment/",
      "markdown": "https://moneyguide.org.uk/pensions/workplace-pension-auto-enrolment.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/workplace-pension-auto-enrolment.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Money purchase annual allowance explained",
      "html": "https://moneyguide.org.uk/pensions/money-purchase-annual-allowance-explained/",
      "markdown": "https://moneyguide.org.uk/pensions/money-purchase-annual-allowance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/money-purchase-annual-allowance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Pension commutation explained",
      "html": "https://moneyguide.org.uk/pensions/pension-commutation-explained/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-commutation-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-commutation-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Pension recycling rules explained",
      "html": "https://moneyguide.org.uk/pensions/pension-recycling-rules/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-recycling-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-recycling-rules.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Normal minimum pension age explained",
      "html": "https://moneyguide.org.uk/pensions/pension-normal-minimum-pension-age/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-normal-minimum-pension-age.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-normal-minimum-pension-age.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Pension tax-free lump sum rules",
      "html": "https://moneyguide.org.uk/pensions/pension-tax-free-lump-sum-rules/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-tax-free-lump-sum-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-tax-free-lump-sum-rules.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Defined benefit pension explained",
      "html": "https://moneyguide.org.uk/pensions/defined-benefit-pension-explained/",
      "markdown": "https://moneyguide.org.uk/pensions/defined-benefit-pension-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/defined-benefit-pension-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Flexi-access drawdown basics",
      "html": "https://moneyguide.org.uk/pensions/flexi-access-drawdown-basics/",
      "markdown": "https://moneyguide.org.uk/pensions/flexi-access-drawdown-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/flexi-access-drawdown-basics.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Defined benefit pension transfers: why you should not cash in lightly",
      "html": "https://moneyguide.org.uk/pensions/defined-benefit-transfer-warning/",
      "markdown": "https://moneyguide.org.uk/pensions/defined-benefit-transfer-warning.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/defined-benefit-transfer-warning.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Pension drawdown income guide: sustainable withdrawals",
      "html": "https://moneyguide.org.uk/pensions/pension-drawdown-income-guide/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-drawdown-income-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-drawdown-income-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Pension crystallisation and tax-free cash explained",
      "html": "https://moneyguide.org.uk/pensions/pension-crystallisation-explained/",
      "markdown": "https://moneyguide.org.uk/pensions/pension-crystallisation-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/pension-crystallisation-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "Buying a pension annuity: how to compare quotes",
      "html": "https://moneyguide.org.uk/pensions/buying-a-pension-annuity-guide/",
      "markdown": "https://moneyguide.org.uk/pensions/buying-a-pension-annuity-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/buying-a-pension-annuity-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "pensions",
      "title": "State Pension age explained",
      "html": "https://moneyguide.org.uk/pensions/state-pension-age-guide/",
      "markdown": "https://moneyguide.org.uk/pensions/state-pension-age-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/pensions/state-pension-age-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Soft vs hard credit searches — what each one does to your file",
      "html": "https://moneyguide.org.uk/credit/soft-vs-hard-credit-search/",
      "markdown": "https://moneyguide.org.uk/credit/soft-vs-hard-credit-search.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/soft-vs-hard-credit-search.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "How credit scoring really works in the UK",
      "html": "https://moneyguide.org.uk/credit/how-credit-scoring-works/",
      "markdown": "https://moneyguide.org.uk/credit/how-credit-scoring-works.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/how-credit-scoring-works.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Section 75 vs chargeback: how to get your money back",
      "html": "https://moneyguide.org.uk/credit/section-75-vs-chargeback/",
      "markdown": "https://moneyguide.org.uk/credit/section-75-vs-chargeback.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/section-75-vs-chargeback.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Refunds and returns: your UK consumer rights explained",
      "html": "https://moneyguide.org.uk/credit/refunds-and-returns/",
      "markdown": "https://moneyguide.org.uk/credit/refunds-and-returns.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/refunds-and-returns.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "How to improve your credit score in the UK",
      "html": "https://moneyguide.org.uk/credit/how-to-improve-your-credit-score/",
      "markdown": "https://moneyguide.org.uk/credit/how-to-improve-your-credit-score.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/how-to-improve-your-credit-score.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Guarantor loans explained: borrowing with someone else's backing",
      "html": "https://moneyguide.org.uk/credit/guarantor-loans-explained/",
      "markdown": "https://moneyguide.org.uk/credit/guarantor-loans-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/guarantor-loans-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "0% credit cards explained: interest-free spending and transfers",
      "html": "https://moneyguide.org.uk/credit/0-percent-credit-cards-explained/",
      "markdown": "https://moneyguide.org.uk/credit/0-percent-credit-cards-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/0-percent-credit-cards-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "The minimum payment trap: why paying the minimum keeps you in debt",
      "html": "https://moneyguide.org.uk/credit/minimum-payment-trap/",
      "markdown": "https://moneyguide.org.uk/credit/minimum-payment-trap.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/minimum-payment-trap.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Credit utilisation explained: how much of your limit you use",
      "html": "https://moneyguide.org.uk/credit/credit-utilisation-explained/",
      "markdown": "https://moneyguide.org.uk/credit/credit-utilisation-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/credit-utilisation-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Debt consolidation loans explained: one payment, but watch the cost",
      "html": "https://moneyguide.org.uk/credit/debt-consolidation-loans-explained/",
      "markdown": "https://moneyguide.org.uk/credit/debt-consolidation-loans-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/debt-consolidation-loans-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Credit reference agencies explained",
      "html": "https://moneyguide.org.uk/credit/credit-reference-agencies-explained/",
      "markdown": "https://moneyguide.org.uk/credit/credit-reference-agencies-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/credit-reference-agencies-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Credit file disputes guide",
      "html": "https://moneyguide.org.uk/credit/credit-file-disputes-guide/",
      "markdown": "https://moneyguide.org.uk/credit/credit-file-disputes-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/credit-file-disputes-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Buy now pay later UK rules explained",
      "html": "https://moneyguide.org.uk/credit/buy-now-pay-later-uk-rules/",
      "markdown": "https://moneyguide.org.uk/credit/buy-now-pay-later-uk-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/buy-now-pay-later-uk-rules.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Credit card rewards and tax explained",
      "html": "https://moneyguide.org.uk/credit/credit-card-rewards-tax/",
      "markdown": "https://moneyguide.org.uk/credit/credit-card-rewards-tax.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/credit-card-rewards-tax.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Secured loans vs unsecured loans explained",
      "html": "https://moneyguide.org.uk/credit/secured-loans-vs-unsecured/",
      "markdown": "https://moneyguide.org.uk/credit/secured-loans-vs-unsecured.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/secured-loans-vs-unsecured.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Credit limit increases explained",
      "html": "https://moneyguide.org.uk/credit/credit-limit-increases-explained/",
      "markdown": "https://moneyguide.org.uk/credit/credit-limit-increases-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/credit-limit-increases-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Credit card eligibility explained: soft searches and approval odds",
      "html": "https://moneyguide.org.uk/credit/credit-card-eligibility-explained/",
      "markdown": "https://moneyguide.org.uk/credit/credit-card-eligibility-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/credit-card-eligibility-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Car finance commission complaints: discretionary commission arrangements",
      "html": "https://moneyguide.org.uk/credit/car-finance-commission-complaint/",
      "markdown": "https://moneyguide.org.uk/credit/car-finance-commission-complaint.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/car-finance-commission-complaint.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Personal loan eligibility explained: soft searches and approval odds",
      "html": "https://moneyguide.org.uk/credit/personal-loan-eligibility-explained/",
      "markdown": "https://moneyguide.org.uk/credit/personal-loan-eligibility-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/personal-loan-eligibility-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Personal loan rates explained (July 2026)",
      "html": "https://moneyguide.org.uk/credit/best-personal-loan-rates/",
      "markdown": "https://moneyguide.org.uk/credit/best-personal-loan-rates.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/best-personal-loan-rates.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "Credit score myths debunked (UK)",
      "html": "https://moneyguide.org.uk/credit/credit-score-myths-debunked/",
      "markdown": "https://moneyguide.org.uk/credit/credit-score-myths-debunked.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/credit-score-myths-debunked.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "How to compare credit cards in the UK",
      "html": "https://moneyguide.org.uk/credit/compare-credit-cards-guide/",
      "markdown": "https://moneyguide.org.uk/credit/compare-credit-cards-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/compare-credit-cards-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "credit",
      "title": "How to compare personal loans in the UK",
      "html": "https://moneyguide.org.uk/credit/compare-personal-loans-guide/",
      "markdown": "https://moneyguide.org.uk/credit/compare-personal-loans-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/credit/compare-personal-loans-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "The Breathing Space scheme: 60 days free from creditor pressure",
      "html": "https://moneyguide.org.uk/debt-help/breathing-space-scheme/",
      "markdown": "https://moneyguide.org.uk/debt-help/breathing-space-scheme.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/breathing-space-scheme.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "DRO, IVA and bankruptcy compared",
      "html": "https://moneyguide.org.uk/debt-help/dro-iva-bankruptcy-compared/",
      "markdown": "https://moneyguide.org.uk/debt-help/dro-iva-bankruptcy-compared.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/dro-iva-bankruptcy-compared.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Priority debts vs non-priority debts",
      "html": "https://moneyguide.org.uk/debt-help/priority-vs-non-priority-debts/",
      "markdown": "https://moneyguide.org.uk/debt-help/priority-vs-non-priority-debts.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/priority-vs-non-priority-debts.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Debt management plans explained: free help to repay what you owe",
      "html": "https://moneyguide.org.uk/debt-help/debt-management-plans-explained/",
      "markdown": "https://moneyguide.org.uk/debt-help/debt-management-plans-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/debt-management-plans-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Individual Voluntary Arrangements explained: a formal route out of debt",
      "html": "https://moneyguide.org.uk/debt-help/iva-explained/",
      "markdown": "https://moneyguide.org.uk/debt-help/iva-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/iva-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Bankruptcy explained: the last-resort debt solution",
      "html": "https://moneyguide.org.uk/debt-help/bankruptcy-explained/",
      "markdown": "https://moneyguide.org.uk/debt-help/bankruptcy-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/bankruptcy-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Debt relief orders explained: bankruptcy for smaller debts",
      "html": "https://moneyguide.org.uk/debt-help/debt-relief-orders-explained/",
      "markdown": "https://moneyguide.org.uk/debt-help/debt-relief-orders-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/debt-relief-orders-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Council tax arrears: what to do if you cannot pay",
      "html": "https://moneyguide.org.uk/debt-help/council-tax-arrears-help/",
      "markdown": "https://moneyguide.org.uk/debt-help/council-tax-arrears-help.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/council-tax-arrears-help.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Rent arrears advice: protecting your home when you fall behind",
      "html": "https://moneyguide.org.uk/debt-help/rent-arrears-advice/",
      "markdown": "https://moneyguide.org.uk/debt-help/rent-arrears-advice.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/rent-arrears-advice.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Statutory debt repayment plan explained",
      "html": "https://moneyguide.org.uk/debt-help/statutory-debt-repayment-plan/",
      "markdown": "https://moneyguide.org.uk/debt-help/statutory-debt-repayment-plan.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/statutory-debt-repayment-plan.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Insolvency register UK explained",
      "html": "https://moneyguide.org.uk/debt-help/insolvency-register-uk/",
      "markdown": "https://moneyguide.org.uk/debt-help/insolvency-register-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/insolvency-register-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Attachment of earnings orders explained",
      "html": "https://moneyguide.org.uk/debt-help/attachment-of-earnings-order/",
      "markdown": "https://moneyguide.org.uk/debt-help/attachment-of-earnings-order.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/attachment-of-earnings-order.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "debt-help",
      "title": "Sequestration in Scotland explained",
      "html": "https://moneyguide.org.uk/debt-help/scotland-sequestration-explained/",
      "markdown": "https://moneyguide.org.uk/debt-help/scotland-sequestration-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/debt-help/scotland-sequestration-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Income protection vs critical illness cover — which one do you need?",
      "html": "https://moneyguide.org.uk/insurance/income-protection-vs-critical-illness/",
      "markdown": "https://moneyguide.org.uk/insurance/income-protection-vs-critical-illness.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/income-protection-vs-critical-illness.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Buildings and contents insurance, and Flood Re",
      "html": "https://moneyguide.org.uk/insurance/buildings-and-contents-flood-re/",
      "markdown": "https://moneyguide.org.uk/insurance/buildings-and-contents-flood-re.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/buildings-and-contents-flood-re.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Travel insurance: what to check before you buy",
      "html": "https://moneyguide.org.uk/insurance/travel-insurance-essentials/",
      "markdown": "https://moneyguide.org.uk/insurance/travel-insurance-essentials.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/travel-insurance-essentials.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Travel insurance directory: specialist cover for medical conditions",
      "html": "https://moneyguide.org.uk/insurance/travel-insurance-directory/",
      "markdown": "https://moneyguide.org.uk/insurance/travel-insurance-directory.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/travel-insurance-directory.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "GAP insurance explained: covering the gap when your car is written off",
      "html": "https://moneyguide.org.uk/insurance/gap-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/gap-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/gap-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Warranty vs guarantee: what protection do you actually have?",
      "html": "https://moneyguide.org.uk/insurance/warranty-vs-guarantee/",
      "markdown": "https://moneyguide.org.uk/insurance/warranty-vs-guarantee.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/warranty-vs-guarantee.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Critical illness cover explained: conditions, payouts and claims",
      "html": "https://moneyguide.org.uk/insurance/critical-illness-cover-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/critical-illness-cover-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/critical-illness-cover-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Whole-of-life insurance explained: when it pays out and the costs",
      "html": "https://moneyguide.org.uk/insurance/whole-of-life-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/whole-of-life-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/whole-of-life-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Life insurance basics: when you need cover and which type to choose",
      "html": "https://moneyguide.org.uk/insurance/life-insurance-basics/",
      "markdown": "https://moneyguide.org.uk/insurance/life-insurance-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/life-insurance-basics.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Pet insurance explained: lifetime vs annual vs accident-only",
      "html": "https://moneyguide.org.uk/insurance/pet-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/pet-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/pet-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Term life insurance explained",
      "html": "https://moneyguide.org.uk/insurance/term-life-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/term-life-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/term-life-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Income protection waiting periods explained",
      "html": "https://moneyguide.org.uk/insurance/income-protection-waiting-periods/",
      "markdown": "https://moneyguide.org.uk/insurance/income-protection-waiting-periods.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/income-protection-waiting-periods.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Home emergency cover explained",
      "html": "https://moneyguide.org.uk/insurance/home-emergency-cover-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/home-emergency-cover-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/home-emergency-cover-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Multi-car insurance basics",
      "html": "https://moneyguide.org.uk/insurance/multi-car-insurance-basics/",
      "markdown": "https://moneyguide.org.uk/insurance/multi-car-insurance-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/multi-car-insurance-basics.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Gadget insurance — is it worth it?",
      "html": "https://moneyguide.org.uk/insurance/gadget-insurance-worth-it/",
      "markdown": "https://moneyguide.org.uk/insurance/gadget-insurance-worth-it.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/gadget-insurance-worth-it.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Home insurance explained: buildings, contents and combined cover",
      "html": "https://moneyguide.org.uk/insurance/home-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/home-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/home-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "How to cut home and contents insurance premiums",
      "html": "https://moneyguide.org.uk/insurance/how-to-cut-home-insurance/",
      "markdown": "https://moneyguide.org.uk/insurance/how-to-cut-home-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/how-to-cut-home-insurance.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "How to compare life insurance in the UK",
      "html": "https://moneyguide.org.uk/insurance/compare-life-insurance-guide/",
      "markdown": "https://moneyguide.org.uk/insurance/compare-life-insurance-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/compare-life-insurance-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "How to buy travel insurance: medical cover, gadgets and annual policies",
      "html": "https://moneyguide.org.uk/insurance/travel-insurance-how-to-buy/",
      "markdown": "https://moneyguide.org.uk/insurance/travel-insurance-how-to-buy.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/travel-insurance-how-to-buy.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Buildings vs contents insurance explained",
      "html": "https://moneyguide.org.uk/insurance/buildings-vs-contents-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/buildings-vs-contents-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/buildings-vs-contents-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "How to compare home insurance in the UK",
      "html": "https://moneyguide.org.uk/insurance/compare-home-insurance-guide/",
      "markdown": "https://moneyguide.org.uk/insurance/compare-home-insurance-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/compare-home-insurance-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "How to compare critical illness cover in the UK",
      "html": "https://moneyguide.org.uk/insurance/compare-critical-illness-cover-guide/",
      "markdown": "https://moneyguide.org.uk/insurance/compare-critical-illness-cover-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/compare-critical-illness-cover-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "How to compare pet insurance in the UK",
      "html": "https://moneyguide.org.uk/insurance/compare-pet-insurance-guide/",
      "markdown": "https://moneyguide.org.uk/insurance/compare-pet-insurance-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/compare-pet-insurance-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "How to compare income protection insurance in the UK",
      "html": "https://moneyguide.org.uk/insurance/compare-income-protection-guide/",
      "markdown": "https://moneyguide.org.uk/insurance/compare-income-protection-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/compare-income-protection-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "GHIC and EHIC explained for UK travellers",
      "html": "https://moneyguide.org.uk/insurance/ghic-ehic-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/ghic-ehic-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/ghic-ehic-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Boiler cover and home emergency insurance explained",
      "html": "https://moneyguide.org.uk/insurance/boiler-cover-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/boiler-cover-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/boiler-cover-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Landlord insurance explained: buildings, contents, liability and rent cover",
      "html": "https://moneyguide.org.uk/insurance/landlord-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/landlord-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/landlord-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "How to compare travel insurance in the UK",
      "html": "https://moneyguide.org.uk/insurance/compare-travel-insurance-guide/",
      "markdown": "https://moneyguide.org.uk/insurance/compare-travel-insurance-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/compare-travel-insurance-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Van insurance explained for UK drivers and businesses",
      "html": "https://moneyguide.org.uk/insurance/van-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/van-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/van-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Motorbike and motorcycle insurance explained in the UK",
      "html": "https://moneyguide.org.uk/insurance/motorbike-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/motorbike-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/motorbike-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "insurance",
      "title": "Over-50s life insurance explained in the UK",
      "html": "https://moneyguide.org.uk/insurance/over-50s-life-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/insurance/over-50s-life-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/insurance/over-50s-life-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "The £100,000 tax trap — and how to escape it",
      "html": "https://moneyguide.org.uk/benefits-tax/100k-tax-trap/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/100k-tax-trap.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/100k-tax-trap.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "High Income Child Benefit Charge — how it works after the 2024 reform",
      "html": "https://moneyguide.org.uk/benefits-tax/high-income-child-benefit-charge/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/high-income-child-benefit-charge.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/high-income-child-benefit-charge.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Universal Credit — what it is and how it's calculated",
      "html": "https://moneyguide.org.uk/benefits-tax/universal-credit-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/universal-credit-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/universal-credit-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Personal Independence Payment (PIP) — the basics",
      "html": "https://moneyguide.org.uk/benefits-tax/personal-independence-payment/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/personal-independence-payment.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/personal-independence-payment.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Marriage Allowance — transferring £1,260 of tax-free allowance",
      "html": "https://moneyguide.org.uk/benefits-tax/marriage-allowance/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/marriage-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/marriage-allowance.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Inheritance Tax: nil-rate bands, the 7-year rule and gifts",
      "html": "https://moneyguide.org.uk/benefits-tax/inheritance-tax-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/inheritance-tax-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/inheritance-tax-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Inheritance Tax on crypto, NFTs and DeFi holdings",
      "html": "https://moneyguide.org.uk/benefits-tax/inheritance-tax-on-crypto/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/inheritance-tax-on-crypto.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/inheritance-tax-on-crypto.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Donating crypto to UK charities: what tax relief actually applies",
      "html": "https://moneyguide.org.uk/benefits-tax/donating-crypto-to-uk-charities/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/donating-crypto-to-uk-charities.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/donating-crypto-to-uk-charities.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Council tax bands and discounts explained",
      "html": "https://moneyguide.org.uk/benefits-tax/council-tax-bands-and-discounts/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/council-tax-bands-and-discounts.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/council-tax-bands-and-discounts.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Household Support Fund: emergency help with essentials",
      "html": "https://moneyguide.org.uk/benefits-tax/household-support-fund/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/household-support-fund.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/household-support-fund.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Attendance Allowance explained: rates, eligibility and how to claim",
      "html": "https://moneyguide.org.uk/benefits-tax/attendance-allowance-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/attendance-allowance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/attendance-allowance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Carer's Allowance explained: eligibility, earnings limit and claims",
      "html": "https://moneyguide.org.uk/benefits-tax/carers-allowance-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/carers-allowance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/carers-allowance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Benefits in Scotland explained: Social Security Scotland and DWP payments",
      "html": "https://moneyguide.org.uk/benefits-tax/scotland-benefits-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/scotland-benefits-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/scotland-benefits-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Benefits in Wales explained: Welsh schemes and UK-wide payments",
      "html": "https://moneyguide.org.uk/benefits-tax/wales-benefits-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/wales-benefits-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/wales-benefits-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Rental income tax UK explained",
      "html": "https://moneyguide.org.uk/benefits-tax/rental-income-tax-uk/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/rental-income-tax-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/rental-income-tax-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Self Assessment expenses guide",
      "html": "https://moneyguide.org.uk/benefits-tax/self-assessment-expenses-guide/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/self-assessment-expenses-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/self-assessment-expenses-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Foreign savings tax UK explained",
      "html": "https://moneyguide.org.uk/benefits-tax/foreign-savings-tax-uk/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/foreign-savings-tax-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/foreign-savings-tax-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Tax allowances for pensioners explained",
      "html": "https://moneyguide.org.uk/benefits-tax/pension-age-tax-allowances/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/pension-age-tax-allowances.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/pension-age-tax-allowances.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Universal Credit changes from April 2026: what claimants need to know",
      "html": "https://moneyguide.org.uk/benefits-tax/universal-credit-2026-changes/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/universal-credit-2026-changes.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/universal-credit-2026-changes.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Pension Credit: are you missing out on £3,000+ a year?",
      "html": "https://moneyguide.org.uk/benefits-tax/pension-credit-missing-out/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/pension-credit-missing-out.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/pension-credit-missing-out.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Disability Living Allowance for children explained (UK)",
      "html": "https://moneyguide.org.uk/benefits-tax/dla-for-children-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/dla-for-children-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/dla-for-children-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Benefits in Northern Ireland: how the system differs",
      "html": "https://moneyguide.org.uk/benefits-tax/northern-ireland-benefits-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/northern-ireland-benefits-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/northern-ireland-benefits-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Universal Credit work allowance explained",
      "html": "https://moneyguide.org.uk/benefits-tax/universal-credit-work-allowance-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/universal-credit-work-allowance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/universal-credit-work-allowance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Scottish Child Payment explained",
      "html": "https://moneyguide.org.uk/benefits-tax/scottish-child-payment-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/scottish-child-payment-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/scottish-child-payment-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Discretionary Assistance Fund Wales explained",
      "html": "https://moneyguide.org.uk/benefits-tax/wales-discretionary-assistance-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/wales-discretionary-assistance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/wales-discretionary-assistance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Child Benefit explained: rates, claiming and High Income Child Benefit Charge",
      "html": "https://moneyguide.org.uk/benefits-tax/child-benefit-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/child-benefit-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/child-benefit-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "NHS prescription charges explained (England)",
      "html": "https://moneyguide.org.uk/benefits-tax/nhs-prescription-charges-explained/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/nhs-prescription-charges-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/nhs-prescription-charges-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "benefits-tax",
      "title": "Northern Ireland domestic rates: bills, rebates and reliefs explained",
      "html": "https://moneyguide.org.uk/benefits-tax/northern-ireland-domestic-rates-guide/",
      "markdown": "https://moneyguide.org.uk/benefits-tax/northern-ireland-domestic-rates-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/benefits-tax/northern-ireland-domestic-rates-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "How cryptocurrency is taxed in the UK",
      "html": "https://moneyguide.org.uk/investing/crypto-tax-explained/",
      "markdown": "https://moneyguide.org.uk/investing/crypto-tax-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/crypto-tax-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Stocks & Shares ISAs: how they really work",
      "html": "https://moneyguide.org.uk/investing/stocks-and-shares-isa-basics/",
      "markdown": "https://moneyguide.org.uk/investing/stocks-and-shares-isa-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/stocks-and-shares-isa-basics.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Investment fees explained: OCF, platform fee and transaction costs",
      "html": "https://moneyguide.org.uk/investing/investment-fees-explained/",
      "markdown": "https://moneyguide.org.uk/investing/investment-fees-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/investment-fees-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Index funds vs active funds",
      "html": "https://moneyguide.org.uk/investing/index-vs-active-funds/",
      "markdown": "https://moneyguide.org.uk/investing/index-vs-active-funds.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/index-vs-active-funds.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Capital Gains Tax on investments (2025/26)",
      "html": "https://moneyguide.org.uk/investing/capital-gains-tax-on-investments/",
      "markdown": "https://moneyguide.org.uk/investing/capital-gains-tax-on-investments.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/capital-gains-tax-on-investments.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "ETFs explained: how they work, costs and what to watch",
      "html": "https://moneyguide.org.uk/investing/etfs-explained/",
      "markdown": "https://moneyguide.org.uk/investing/etfs-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/etfs-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "How to start investing in the UK: a beginner's guide",
      "html": "https://moneyguide.org.uk/investing/how-to-start-investing-uk/",
      "markdown": "https://moneyguide.org.uk/investing/how-to-start-investing-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/how-to-start-investing-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Investment platforms explained: how to choose and what fees to watch",
      "html": "https://moneyguide.org.uk/investing/best-investment-platforms-explained/",
      "markdown": "https://moneyguide.org.uk/investing/best-investment-platforms-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/best-investment-platforms-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Compound interest explained: why time matters more than amount",
      "html": "https://moneyguide.org.uk/investing/compound-interest-explained/",
      "markdown": "https://moneyguide.org.uk/investing/compound-interest-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/compound-interest-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "UK dividend tax explained",
      "html": "https://moneyguide.org.uk/investing/uk-dividend-tax-explained/",
      "markdown": "https://moneyguide.org.uk/investing/uk-dividend-tax-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/uk-dividend-tax-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Stocks and shares ISA transfer rules",
      "html": "https://moneyguide.org.uk/investing/stocks-and-shares-isa-transfer-rules/",
      "markdown": "https://moneyguide.org.uk/investing/stocks-and-shares-isa-transfer-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/stocks-and-shares-isa-transfer-rules.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "UK bond tax explained",
      "html": "https://moneyguide.org.uk/investing/uk-bond-tax-explained/",
      "markdown": "https://moneyguide.org.uk/investing/uk-bond-tax-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/uk-bond-tax-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "VCT and EIS tax relief explained",
      "html": "https://moneyguide.org.uk/investing/vct-eis-tax-relief-explained/",
      "markdown": "https://moneyguide.org.uk/investing/vct-eis-tax-relief-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/vct-eis-tax-relief-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Robo-adviser vs DIY investing in the UK",
      "html": "https://moneyguide.org.uk/investing/robo-adviser-vs-diy-investing/",
      "markdown": "https://moneyguide.org.uk/investing/robo-adviser-vs-diy-investing.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/robo-adviser-vs-diy-investing.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Pound-cost averaging explained",
      "html": "https://moneyguide.org.uk/investing/pound-cost-averaging-explained/",
      "markdown": "https://moneyguide.org.uk/investing/pound-cost-averaging-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/pound-cost-averaging-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Investment trusts explained",
      "html": "https://moneyguide.org.uk/investing/investment-trusts-explained/",
      "markdown": "https://moneyguide.org.uk/investing/investment-trusts-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/investment-trusts-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "UK REIT tax explained",
      "html": "https://moneyguide.org.uk/investing/reits-uk-tax-explained/",
      "markdown": "https://moneyguide.org.uk/investing/reits-uk-tax-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/reits-uk-tax-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Bed and ISA strategy explained",
      "html": "https://moneyguide.org.uk/investing/bed-and-isa-strategy/",
      "markdown": "https://moneyguide.org.uk/investing/bed-and-isa-strategy.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/bed-and-isa-strategy.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Index funds vs active funds: which suits UK investors?",
      "html": "https://moneyguide.org.uk/investing/index-funds-vs-active-funds/",
      "markdown": "https://moneyguide.org.uk/investing/index-funds-vs-active-funds.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/index-funds-vs-active-funds.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Choosing an investment platform in the UK",
      "html": "https://moneyguide.org.uk/investing/choosing-an-investment-platform/",
      "markdown": "https://moneyguide.org.uk/investing/choosing-an-investment-platform.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/choosing-an-investment-platform.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "Risk tolerance in investing explained",
      "html": "https://moneyguide.org.uk/investing/risk-tolerance-investing-explained/",
      "markdown": "https://moneyguide.org.uk/investing/risk-tolerance-investing-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/risk-tolerance-investing-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "investing",
      "title": "UK vs global equity weightings explained",
      "html": "https://moneyguide.org.uk/investing/uk-vs-global-equity-weightings/",
      "markdown": "https://moneyguide.org.uk/investing/uk-vs-global-equity-weightings.md",
      "api": "https://moneyguide.org.uk/api/guides/investing/uk-vs-global-equity-weightings.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "The energy price cap and Warm Home Discount — what they actually mean",
      "html": "https://moneyguide.org.uk/bills-utilities/energy-price-cap-and-warm-home-discount/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/energy-price-cap-and-warm-home-discount.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/energy-price-cap-and-warm-home-discount.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Water bills, social tariffs and WaterSure",
      "html": "https://moneyguide.org.uk/bills-utilities/water-bills-social-tariffs/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/water-bills-social-tariffs.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/water-bills-social-tariffs.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Broadband social tariffs and Ofcom's mid-contract price rules",
      "html": "https://moneyguide.org.uk/bills-utilities/broadband-social-tariffs-and-mid-contract-rises/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/broadband-social-tariffs-and-mid-contract-rises.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/broadband-social-tariffs-and-mid-contract-rises.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Flight delay and cancellation compensation under UK261",
      "html": "https://moneyguide.org.uk/bills-utilities/flight-delay-cancellation-compensation/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/flight-delay-cancellation-compensation.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/flight-delay-cancellation-compensation.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Council tax rebanding: how to challenge your band (and the risks)",
      "html": "https://moneyguide.org.uk/bills-utilities/council-tax-rebanding-challenge/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/council-tax-rebanding-challenge.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/council-tax-rebanding-challenge.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Energy switching guide: how to find a cheaper tariff",
      "html": "https://moneyguide.org.uk/bills-utilities/energy-switching-guide/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/energy-switching-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/energy-switching-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Train delay compensation: how to claim money back",
      "html": "https://moneyguide.org.uk/bills-utilities/train-delay-compensation/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/train-delay-compensation.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/train-delay-compensation.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "SIM-only vs phone contract: which saves you money?",
      "html": "https://moneyguide.org.uk/bills-utilities/mobile-sim-only-vs-contract/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/mobile-sim-only-vs-contract.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/mobile-sim-only-vs-contract.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Home insulation grants: free and subsidised energy efficiency",
      "html": "https://moneyguide.org.uk/bills-utilities/home-insulation-grants/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/home-insulation-grants.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/home-insulation-grants.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Smart meter bills explained",
      "html": "https://moneyguide.org.uk/bills-utilities/smart-meter-bills-explained/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/smart-meter-bills-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/smart-meter-bills-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Water meter vs unmetered charges explained",
      "html": "https://moneyguide.org.uk/bills-utilities/water-meter-vs-unmetered-charges/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/water-meter-vs-unmetered-charges.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/water-meter-vs-unmetered-charges.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "TV licence rules UK explained",
      "html": "https://moneyguide.org.uk/bills-utilities/tv-licence-rules-uk/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/tv-licence-rules-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/tv-licence-rules-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Standing charge explained",
      "html": "https://moneyguide.org.uk/bills-utilities/standing-charge-explained/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/standing-charge-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/standing-charge-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Council tax single person discount explained",
      "html": "https://moneyguide.org.uk/bills-utilities/council-tax-single-person-discount/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/council-tax-single-person-discount.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/council-tax-single-person-discount.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Cheap energy deals UK: fix vs price cap (July 2026)",
      "html": "https://moneyguide.org.uk/bills-utilities/cheap-energy-deals/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/cheap-energy-deals.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/cheap-energy-deals.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Broadband switching guide UK: One Touch Switch and social tariffs",
      "html": "https://moneyguide.org.uk/bills-utilities/broadband-switching-guide/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/broadband-switching-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/broadband-switching-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "SIM-only and mobile switching: cut your phone bill after the handset is paid off",
      "html": "https://moneyguide.org.uk/bills-utilities/sim-only-mobile-switching/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/sim-only-mobile-switching.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/sim-only-mobile-switching.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Solar panels UK: are they worth it in 2026?",
      "html": "https://moneyguide.org.uk/bills-utilities/solar-panels-uk-worth-it/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/solar-panels-uk-worth-it.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/solar-panels-uk-worth-it.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "WaterSure and water bill help in England and Wales",
      "html": "https://moneyguide.org.uk/bills-utilities/watersure-and-water-bill-help/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/watersure-and-water-bill-help.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/watersure-and-water-bill-help.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Mobile mid-contract price rises explained",
      "html": "https://moneyguide.org.uk/bills-utilities/mobile-mid-contract-price-rises/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/mobile-mid-contract-price-rises.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/mobile-mid-contract-price-rises.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Mobile social tariffs UK: cheap phone plans on benefits",
      "html": "https://moneyguide.org.uk/bills-utilities/mobile-social-tariffs-uk/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/mobile-social-tariffs-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/mobile-social-tariffs-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Social tariffs UK guide: broadband, mobile and water",
      "html": "https://moneyguide.org.uk/bills-utilities/social-tariffs-uk-guide/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/social-tariffs-uk-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/social-tariffs-uk-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "How to compare broadband deals in the UK",
      "html": "https://moneyguide.org.uk/bills-utilities/compare-broadband-guide/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/compare-broadband-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/compare-broadband-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Heat pumps UK: costs, grants and whether they’re worth it (2026)",
      "html": "https://moneyguide.org.uk/bills-utilities/heat-pumps-uk-worth-it/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/heat-pumps-uk-worth-it.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/heat-pumps-uk-worth-it.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "How to compare mobile phone deals in the UK",
      "html": "https://moneyguide.org.uk/bills-utilities/compare-mobile-phone-deals-guide/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/compare-mobile-phone-deals-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/compare-mobile-phone-deals-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "How to reduce your water bill in the UK",
      "html": "https://moneyguide.org.uk/bills-utilities/water-bill-reduction-guide/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/water-bill-reduction-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/water-bill-reduction-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "How to compare energy tariffs fairly in the UK",
      "html": "https://moneyguide.org.uk/bills-utilities/compare-energy-tariffs-guide/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/compare-energy-tariffs-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/compare-energy-tariffs-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Business energy contracts explained for UK firms",
      "html": "https://moneyguide.org.uk/bills-utilities/business-energy-explained/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/business-energy-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/business-energy-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "bills-utilities",
      "title": "Broadband and TV bundle deals explained in the UK",
      "html": "https://moneyguide.org.uk/bills-utilities/broadband-tv-bundles-guide/",
      "markdown": "https://moneyguide.org.uk/bills-utilities/broadband-tv-bundles-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/bills-utilities/broadband-tv-bundles-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Lasting Power of Attorney — what it is and why almost everyone needs one",
      "html": "https://moneyguide.org.uk/family-life/lasting-power-of-attorney/",
      "markdown": "https://moneyguide.org.uk/family-life/lasting-power-of-attorney.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/lasting-power-of-attorney.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Wills and intestacy — what happens if you die without one",
      "html": "https://moneyguide.org.uk/family-life/wills-and-intestacy/",
      "markdown": "https://moneyguide.org.uk/family-life/wills-and-intestacy.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/wills-and-intestacy.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Tax-free childcare and free hours — every parent's UK childcare support",
      "html": "https://moneyguide.org.uk/family-life/tax-free-childcare-and-free-hours/",
      "markdown": "https://moneyguide.org.uk/family-life/tax-free-childcare-and-free-hours.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/tax-free-childcare-and-free-hours.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "The probate process in England, Wales, Scotland and Northern Ireland",
      "html": "https://moneyguide.org.uk/family-life/probate-process/",
      "markdown": "https://moneyguide.org.uk/family-life/probate-process.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/probate-process.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Digital assets in your will: the Property (Digital Assets etc) Act 2025 explained",
      "html": "https://moneyguide.org.uk/family-life/digital-assets-in-your-will/",
      "markdown": "https://moneyguide.org.uk/family-life/digital-assets-in-your-will.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/digital-assets-in-your-will.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "How UK executors handle hardware wallets, seed phrases and multisig during probate",
      "html": "https://moneyguide.org.uk/family-life/executor-digital-assets-probate/",
      "markdown": "https://moneyguide.org.uk/family-life/executor-digital-assets-probate.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/executor-digital-assets-probate.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "How to write a will in the UK — online, DIY or solicitor",
      "html": "https://moneyguide.org.uk/family-life/how-to-write-a-will-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/how-to-write-a-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/how-to-write-a-will-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Will witnessing rules in the UK — who can sign, when, and where it goes wrong",
      "html": "https://moneyguide.org.uk/family-life/will-witnessing-rules-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/will-witnessing-rules-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/will-witnessing-rules-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Mirror wills vs mutual wills — what's the difference and which do couples need?",
      "html": "https://moneyguide.org.uk/family-life/mirror-wills-vs-mutual-wills/",
      "markdown": "https://moneyguide.org.uk/family-life/mirror-wills-vs-mutual-wills.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/mirror-wills-vs-mutual-wills.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "The Inheritance Tax 7-year rule — taper relief, PETs and how it really works",
      "html": "https://moneyguide.org.uk/family-life/inheritance-tax-7-year-rule/",
      "markdown": "https://moneyguide.org.uk/family-life/inheritance-tax-7-year-rule.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/inheritance-tax-7-year-rule.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "The residence nil-rate band — extra £175,000 IHT allowance for leaving your home to children",
      "html": "https://moneyguide.org.uk/family-life/residence-nil-rate-band-explained/",
      "markdown": "https://moneyguide.org.uk/family-life/residence-nil-rate-band-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/residence-nil-rate-band-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Deed of variation — rewriting a will after death for tax or family reasons",
      "html": "https://moneyguide.org.uk/family-life/deed-of-variation/",
      "markdown": "https://moneyguide.org.uk/family-life/deed-of-variation.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/deed-of-variation.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "UK trusts basics — bare, interest in possession, discretionary and the trust register",
      "html": "https://moneyguide.org.uk/family-life/trusts-basics-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/trusts-basics-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/trusts-basics-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Estate planning for unmarried couples — the rules that cost partners everything",
      "html": "https://moneyguide.org.uk/family-life/estate-planning-unmarried-couples/",
      "markdown": "https://moneyguide.org.uk/family-life/estate-planning-unmarried-couples.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/estate-planning-unmarried-couples.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Advance decisions to refuse treatment (ADRT) — the UK living will explained",
      "html": "https://moneyguide.org.uk/family-life/advance-decisions-living-wills-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/advance-decisions-living-wills-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/advance-decisions-living-wills-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Contesting a will in England & Wales — grounds, deadlines and the 1975 Act",
      "html": "https://moneyguide.org.uk/family-life/contesting-a-will-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/contesting-a-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/contesting-a-will-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Appointing guardians for your children in your will (England & Wales)",
      "html": "https://moneyguide.org.uk/family-life/appointing-guardians-in-your-will/",
      "markdown": "https://moneyguide.org.uk/family-life/appointing-guardians-in-your-will.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/appointing-guardians-in-your-will.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Free and low-cost will-writing options in the UK — charity routes, online services and what to avoid",
      "html": "https://moneyguide.org.uk/family-life/free-and-charity-will-schemes-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/free-and-charity-will-schemes-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/free-and-charity-will-schemes-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Pre-paid funeral plans in the UK — what changed after FCA regulation",
      "html": "https://moneyguide.org.uk/family-life/prepaid-funeral-plans-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/prepaid-funeral-plans-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/prepaid-funeral-plans-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Care home fees and 'deliberate deprivation of assets' — what really triggers it",
      "html": "https://moneyguide.org.uk/family-life/care-home-fees-and-deprivation-of-assets/",
      "markdown": "https://moneyguide.org.uk/family-life/care-home-fees-and-deprivation-of-assets.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/care-home-fees-and-deprivation-of-assets.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Joint tenants vs tenants in common — what happens to property on death",
      "html": "https://moneyguide.org.uk/family-life/joint-tenants-vs-tenants-in-common/",
      "markdown": "https://moneyguide.org.uk/family-life/joint-tenants-vs-tenants-in-common.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/joint-tenants-vs-tenants-in-common.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Care home funding options: who pays and what help exists",
      "html": "https://moneyguide.org.uk/family-life/care-home-funding-options/",
      "markdown": "https://moneyguide.org.uk/family-life/care-home-funding-options.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/care-home-funding-options.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Inheritance Tax planning basics: gifts, wills and pensions",
      "html": "https://moneyguide.org.uk/family-life/iht-planning-basics/",
      "markdown": "https://moneyguide.org.uk/family-life/iht-planning-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/iht-planning-basics.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "30 hours free childcare in England: 2026 rules for working parents",
      "html": "https://moneyguide.org.uk/family-life/30-hours-free-childcare-2026/",
      "markdown": "https://moneyguide.org.uk/family-life/30-hours-free-childcare-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/30-hours-free-childcare-2026.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Bereavement Support Payment explained",
      "html": "https://moneyguide.org.uk/family-life/bereavement-support-payment-explained/",
      "markdown": "https://moneyguide.org.uk/family-life/bereavement-support-payment-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/bereavement-support-payment-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Divorce finances in England and Wales: splitting money fairly",
      "html": "https://moneyguide.org.uk/family-life/divorce-finances-guide/",
      "markdown": "https://moneyguide.org.uk/family-life/divorce-finances-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/divorce-finances-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Deed poll name change in the UK — how it works in England and Wales",
      "html": "https://moneyguide.org.uk/family-life/deed-poll-name-change-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/deed-poll-name-change-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/deed-poll-name-change-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "Changing a child’s name by deed poll in the UK",
      "html": "https://moneyguide.org.uk/family-life/change-childs-name-deed-poll-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/change-childs-name-deed-poll-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/change-childs-name-deed-poll-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "family-life",
      "title": "What is an executor of a will in the UK — duties, who to choose and fees",
      "html": "https://moneyguide.org.uk/family-life/what-is-an-executor-of-a-will-uk/",
      "markdown": "https://moneyguide.org.uk/family-life/what-is-an-executor-of-a-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/family-life/what-is-an-executor-of-a-will-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Side hustle tax: when you have to tell HMRC",
      "html": "https://moneyguide.org.uk/work-earnings/side-hustle-tax-explained/",
      "markdown": "https://moneyguide.org.uk/work-earnings/side-hustle-tax-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/side-hustle-tax-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Statutory redundancy rights and pay — your legal minimum",
      "html": "https://moneyguide.org.uk/work-earnings/statutory-redundancy-rights/",
      "markdown": "https://moneyguide.org.uk/work-earnings/statutory-redundancy-rights.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/statutory-redundancy-rights.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Statutory maternity, paternity and shared parental pay — what each one pays",
      "html": "https://moneyguide.org.uk/work-earnings/maternity-paternity-shared-parental-pay/",
      "markdown": "https://moneyguide.org.uk/work-earnings/maternity-paternity-shared-parental-pay.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/maternity-paternity-shared-parental-pay.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Self-employment basics: Self Assessment, NI and Making Tax Digital",
      "html": "https://moneyguide.org.uk/work-earnings/self-employment-basics/",
      "markdown": "https://moneyguide.org.uk/work-earnings/self-employment-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/self-employment-basics.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "UK tax codes explained: 1257L, BR, K codes and emergency tax",
      "html": "https://moneyguide.org.uk/work-earnings/tax-codes-explained/",
      "markdown": "https://moneyguide.org.uk/work-earnings/tax-codes-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/tax-codes-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Statutory Sick Pay (SSP): rates, eligibility and how it is paid",
      "html": "https://moneyguide.org.uk/work-earnings/statutory-sick-pay/",
      "markdown": "https://moneyguide.org.uk/work-earnings/statutory-sick-pay.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/statutory-sick-pay.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Holiday pay and entitlement: rolled-up pay, irregular hours and the 5.6 weeks",
      "html": "https://moneyguide.org.uk/work-earnings/holiday-pay-and-entitlement/",
      "markdown": "https://moneyguide.org.uk/work-earnings/holiday-pay-and-entitlement.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/holiday-pay-and-entitlement.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "National Insurance explained: rates, thresholds and what it buys",
      "html": "https://moneyguide.org.uk/work-earnings/national-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/work-earnings/national-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/national-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "How much tax will I pay? Income Tax bands for 2026/27",
      "html": "https://moneyguide.org.uk/work-earnings/how-much-tax-will-i-pay/",
      "markdown": "https://moneyguide.org.uk/work-earnings/how-much-tax-will-i-pay.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/how-much-tax-will-i-pay.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Minimum wage 2026: the National Living Wage and Minimum Wage rates",
      "html": "https://moneyguide.org.uk/work-earnings/minimum-wage-2026/",
      "markdown": "https://moneyguide.org.uk/work-earnings/minimum-wage-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/minimum-wage-2026.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Salary sacrifice explained: saving tax on workplace benefits",
      "html": "https://moneyguide.org.uk/work-earnings/salary-sacrifice-explained/",
      "markdown": "https://moneyguide.org.uk/work-earnings/salary-sacrifice-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/salary-sacrifice-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "CIS tax in construction: deductions and how to reclaim",
      "html": "https://moneyguide.org.uk/work-earnings/cis-tax-construction/",
      "markdown": "https://moneyguide.org.uk/work-earnings/cis-tax-construction.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/cis-tax-construction.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Working from home tax relief explained",
      "html": "https://moneyguide.org.uk/work-earnings/working-from-home-tax-relief/",
      "markdown": "https://moneyguide.org.uk/work-earnings/working-from-home-tax-relief.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/working-from-home-tax-relief.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Overtime pay rules UK explained",
      "html": "https://moneyguide.org.uk/work-earnings/overtime-pay-rules-uk/",
      "markdown": "https://moneyguide.org.uk/work-earnings/overtime-pay-rules-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/overtime-pay-rules-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Agency worker rights UK explained",
      "html": "https://moneyguide.org.uk/work-earnings/agency-worker-rights-uk/",
      "markdown": "https://moneyguide.org.uk/work-earnings/agency-worker-rights-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/agency-worker-rights-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Zero-hours contract pay rights explained",
      "html": "https://moneyguide.org.uk/work-earnings/zero-hours-contract-pay-rights/",
      "markdown": "https://moneyguide.org.uk/work-earnings/zero-hours-contract-pay-rights.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/zero-hours-contract-pay-rights.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Notice period pay entitlements explained",
      "html": "https://moneyguide.org.uk/work-earnings/notice-period-pay-entitlements/",
      "markdown": "https://moneyguide.org.uk/work-earnings/notice-period-pay-entitlements.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/notice-period-pay-entitlements.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Scottish Income Tax bands and rates 2026/27",
      "html": "https://moneyguide.org.uk/work-earnings/scottish-income-tax-bands/",
      "markdown": "https://moneyguide.org.uk/work-earnings/scottish-income-tax-bands.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/scottish-income-tax-bands.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "work-earnings",
      "title": "Welsh income tax bands explained",
      "html": "https://moneyguide.org.uk/work-earnings/welsh-income-tax-bands/",
      "markdown": "https://moneyguide.org.uk/work-earnings/welsh-income-tax-bands.md",
      "api": "https://moneyguide.org.uk/api/guides/work-earnings/welsh-income-tax-bands.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Car finance mis-selling: how to claim compensation",
      "html": "https://moneyguide.org.uk/cars-motoring/car-finance-mis-selling-claims/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/car-finance-mis-selling-claims.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/car-finance-mis-selling-claims.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Car finance: PCP vs HP vs leasing",
      "html": "https://moneyguide.org.uk/cars-motoring/pcp-vs-hp-vs-leasing/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/pcp-vs-hp-vs-leasing.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/pcp-vs-hp-vs-leasing.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Vehicle Excise Duty (VED): the 2025/26 rates",
      "html": "https://moneyguide.org.uk/cars-motoring/vehicle-excise-duty-2025-26/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/vehicle-excise-duty-2025-26.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/vehicle-excise-duty-2025-26.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Car insurance groups and how to cut premiums",
      "html": "https://moneyguide.org.uk/cars-motoring/car-insurance-groups/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/car-insurance-groups.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/car-insurance-groups.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Breakdown cover explained: levels, costs and what to check",
      "html": "https://moneyguide.org.uk/cars-motoring/breakdown-cover-explained/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/breakdown-cover-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/breakdown-cover-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "ULEZ and UK clean air zones explained",
      "html": "https://moneyguide.org.uk/cars-motoring/ulez-and-clean-air-zones/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/ulez-and-clean-air-zones.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/ulez-and-clean-air-zones.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "MOT test failures and costs explained",
      "html": "https://moneyguide.org.uk/cars-motoring/mot-test-failures-costs/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/mot-test-failures-costs.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/mot-test-failures-costs.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Electric car home charging costs explained",
      "html": "https://moneyguide.org.uk/cars-motoring/electric-car-home-charging-costs/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/electric-car-home-charging-costs.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/electric-car-home-charging-costs.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Car tax refund rules explained",
      "html": "https://moneyguide.org.uk/cars-motoring/car-tax-refund-rules/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/car-tax-refund-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/car-tax-refund-rules.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Private parking charge notices explained",
      "html": "https://moneyguide.org.uk/cars-motoring/private-parking-charge-notices/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/private-parking-charge-notices.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/private-parking-charge-notices.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Car insurance explained: types, legal minimum and add-ons",
      "html": "https://moneyguide.org.uk/cars-motoring/car-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/car-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/car-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "How to cut car insurance costs in the UK",
      "html": "https://moneyguide.org.uk/cars-motoring/how-to-cut-car-insurance/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/how-to-cut-car-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/how-to-cut-car-insurance.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Young driver and telematics insurance: cut premiums legally",
      "html": "https://moneyguide.org.uk/cars-motoring/young-driver-and-telematics-insurance/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/young-driver-and-telematics-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/young-driver-and-telematics-insurance.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "How to compare car insurance in the UK",
      "html": "https://moneyguide.org.uk/cars-motoring/compare-car-insurance-guide/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/compare-car-insurance-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/compare-car-insurance-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "No-claims bonus explained",
      "html": "https://moneyguide.org.uk/cars-motoring/no-claims-bonus-explained/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/no-claims-bonus-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/no-claims-bonus-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "cars-motoring",
      "title": "Electric vehicle insurance explained in the UK",
      "html": "https://moneyguide.org.uk/cars-motoring/electric-vehicle-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/cars-motoring/electric-vehicle-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/cars-motoring/electric-vehicle-insurance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "budgeting",
      "title": "How to budget: a simple step-by-step guide for the UK",
      "html": "https://moneyguide.org.uk/budgeting/how-to-budget/",
      "markdown": "https://moneyguide.org.uk/budgeting/how-to-budget.md",
      "api": "https://moneyguide.org.uk/api/guides/budgeting/how-to-budget.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "budgeting",
      "title": "How to save money: practical ways to cut costs in the UK",
      "html": "https://moneyguide.org.uk/budgeting/how-to-save-money/",
      "markdown": "https://moneyguide.org.uk/budgeting/how-to-save-money.md",
      "api": "https://moneyguide.org.uk/api/guides/budgeting/how-to-save-money.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "budgeting",
      "title": "Emergency fund: how much to save and where to keep it",
      "html": "https://moneyguide.org.uk/budgeting/emergency-fund/",
      "markdown": "https://moneyguide.org.uk/budgeting/emergency-fund.md",
      "api": "https://moneyguide.org.uk/api/guides/budgeting/emergency-fund.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "budgeting",
      "title": "Cost of living help: support you may be able to claim",
      "html": "https://moneyguide.org.uk/budgeting/cost-of-living-help/",
      "markdown": "https://moneyguide.org.uk/budgeting/cost-of-living-help.md",
      "api": "https://moneyguide.org.uk/api/guides/budgeting/cost-of-living-help.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "budgeting",
      "title": "Cashback and rewards tax UK explained",
      "html": "https://moneyguide.org.uk/budgeting/cashback-and-rewards-tax/",
      "markdown": "https://moneyguide.org.uk/budgeting/cashback-and-rewards-tax.md",
      "api": "https://moneyguide.org.uk/api/guides/budgeting/cashback-and-rewards-tax.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "budgeting",
      "title": "Cost of living payments timeline 2026/27",
      "html": "https://moneyguide.org.uk/budgeting/cost-of-living-payments-timeline-2026/",
      "markdown": "https://moneyguide.org.uk/budgeting/cost-of-living-payments-timeline-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/budgeting/cost-of-living-payments-timeline-2026.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Student loan repayment explained: when and how much you pay",
      "html": "https://moneyguide.org.uk/students/student-loan-repayment-explained/",
      "markdown": "https://moneyguide.org.uk/students/student-loan-repayment-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/students/student-loan-repayment-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Student finance explained: tuition and maintenance support",
      "html": "https://moneyguide.org.uk/students/student-finance-explained/",
      "markdown": "https://moneyguide.org.uk/students/student-finance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/students/student-finance-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "First job money checklist: payslips, tax and pensions",
      "html": "https://moneyguide.org.uk/students/first-job-money-checklist/",
      "markdown": "https://moneyguide.org.uk/students/first-job-money-checklist.md",
      "api": "https://moneyguide.org.uk/api/guides/students/first-job-money-checklist.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Student budget guide: managing money at university",
      "html": "https://moneyguide.org.uk/students/student-budget-guide/",
      "markdown": "https://moneyguide.org.uk/students/student-budget-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/students/student-budget-guide.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Plan 2 vs Plan 5 student loans: which plan are you on?",
      "html": "https://moneyguide.org.uk/students/plan-2-vs-plan-5-loans/",
      "markdown": "https://moneyguide.org.uk/students/plan-2-vs-plan-5-loans.md",
      "api": "https://moneyguide.org.uk/api/guides/students/plan-2-vs-plan-5-loans.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Maintenance loans explained: living costs at university",
      "html": "https://moneyguide.org.uk/students/maintenance-loan-explained/",
      "markdown": "https://moneyguide.org.uk/students/maintenance-loan-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/students/maintenance-loan-explained.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Apprenticeships explained: pay, funding and money tips",
      "html": "https://moneyguide.org.uk/students/apprenticeships-pay-and-funding/",
      "markdown": "https://moneyguide.org.uk/students/apprenticeships-pay-and-funding.md",
      "api": "https://moneyguide.org.uk/api/guides/students/apprenticeships-pay-and-funding.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Disabled Students' Allowance (DSA) explained",
      "html": "https://moneyguide.org.uk/students/disabled-students-allowance/",
      "markdown": "https://moneyguide.org.uk/students/disabled-students-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/students/disabled-students-allowance.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Postgraduate Master's loan UK explained",
      "html": "https://moneyguide.org.uk/students/postgraduate-masters-loan-uk/",
      "markdown": "https://moneyguide.org.uk/students/postgraduate-masters-loan-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/students/postgraduate-masters-loan-uk.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Student overdraft rules explained",
      "html": "https://moneyguide.org.uk/students/student-overdraft-rules/",
      "markdown": "https://moneyguide.org.uk/students/student-overdraft-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/students/student-overdraft-rules.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Maintenance grant replacement explained",
      "html": "https://moneyguide.org.uk/students/maintenance-grant-replacement/",
      "markdown": "https://moneyguide.org.uk/students/maintenance-grant-replacement.md",
      "api": "https://moneyguide.org.uk/api/guides/students/maintenance-grant-replacement.md"
    },
    {
      "kind": "sub-guide",
      "pillar": "students",
      "title": "Graduate scheme salary guide UK",
      "html": "https://moneyguide.org.uk/students/graduate-scheme-salary-guide/",
      "markdown": "https://moneyguide.org.uk/students/graduate-scheme-salary-guide.md",
      "api": "https://moneyguide.org.uk/api/guides/students/graduate-scheme-salary-guide.md"
    },
    {
      "kind": "answer",
      "title": "Do I pay tax on cryptocurrency in the UK?",
      "html": "https://moneyguide.org.uk/answers/do-i-pay-tax-on-cryptocurrency-uk/",
      "markdown": "https://moneyguide.org.uk/answers/do-i-pay-tax-on-cryptocurrency-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-i-pay-tax-on-cryptocurrency-uk.md"
    },
    {
      "kind": "answer",
      "title": "How does HMRC know about my crypto?",
      "html": "https://moneyguide.org.uk/answers/how-does-hmrc-know-about-my-crypto/",
      "markdown": "https://moneyguide.org.uk/answers/how-does-hmrc-know-about-my-crypto.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-does-hmrc-know-about-my-crypto.md"
    },
    {
      "kind": "answer",
      "title": "Do I pay tax on Vinted, eBay and Depop sales?",
      "html": "https://moneyguide.org.uk/answers/do-i-pay-tax-on-vinted-ebay-depop-sales/",
      "markdown": "https://moneyguide.org.uk/answers/do-i-pay-tax-on-vinted-ebay-depop-sales.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-i-pay-tax-on-vinted-ebay-depop-sales.md"
    },
    {
      "kind": "answer",
      "title": "What are the online platform reporting rules?",
      "html": "https://moneyguide.org.uk/answers/what-are-the-online-platform-reporting-rules/",
      "markdown": "https://moneyguide.org.uk/answers/what-are-the-online-platform-reporting-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-are-the-online-platform-reporting-rules.md"
    },
    {
      "kind": "answer",
      "title": "Can I claim car finance compensation?",
      "html": "https://moneyguide.org.uk/answers/can-i-claim-car-finance-compensation/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-claim-car-finance-compensation.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-claim-car-finance-compensation.md"
    },
    {
      "kind": "answer",
      "title": "What is the car finance commission scandal?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-car-finance-commission-scandal/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-car-finance-commission-scandal.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-car-finance-commission-scandal.md"
    },
    {
      "kind": "answer",
      "title": "What help can I get with the cost of living?",
      "html": "https://moneyguide.org.uk/answers/what-help-can-i-get-with-the-cost-of-living/",
      "markdown": "https://moneyguide.org.uk/answers/what-help-can-i-get-with-the-cost-of-living.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-help-can-i-get-with-the-cost-of-living.md"
    },
    {
      "kind": "answer",
      "title": "What is the ISA allowance for 2026/27?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-isa-allowance-2026-27/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-isa-allowance-2026-27.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-isa-allowance-2026-27.md"
    },
    {
      "kind": "answer",
      "title": "What is the Personal Allowance for 2026/27?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-personal-allowance-2026-27/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-personal-allowance-2026-27.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-personal-allowance-2026-27.md"
    },
    {
      "kind": "answer",
      "title": "What is the State Pension age in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-state-pension-age-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-state-pension-age-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-state-pension-age-uk.md"
    },
    {
      "kind": "answer",
      "title": "How much is the full new State Pension in 2026/27?",
      "html": "https://moneyguide.org.uk/answers/how-much-is-the-full-new-state-pension/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-is-the-full-new-state-pension.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-is-the-full-new-state-pension.md"
    },
    {
      "kind": "answer",
      "title": "What is the Bank of England base rate today?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-bank-of-england-base-rate/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-bank-of-england-base-rate.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-bank-of-england-base-rate.md"
    },
    {
      "kind": "answer",
      "title": "What is the Ofgem energy price cap?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-energy-price-cap/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-energy-price-cap.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-energy-price-cap.md"
    },
    {
      "kind": "answer",
      "title": "What is the Stamp Duty threshold in 2026?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-stamp-duty-threshold-2026/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-stamp-duty-threshold-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-stamp-duty-threshold-2026.md"
    },
    {
      "kind": "answer",
      "title": "What is the Personal Savings Allowance?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-personal-savings-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-personal-savings-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-personal-savings-allowance.md"
    },
    {
      "kind": "answer",
      "title": "What is the Capital Gains Tax allowance for 2026/27?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-capital-gains-tax-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-capital-gains-tax-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-capital-gains-tax-allowance.md"
    },
    {
      "kind": "answer",
      "title": "What is the dividend allowance?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-dividend-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-dividend-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-dividend-allowance.md"
    },
    {
      "kind": "answer",
      "title": "How much is Child Benefit in 2026/27?",
      "html": "https://moneyguide.org.uk/answers/how-much-is-child-benefit/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-is-child-benefit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-is-child-benefit.md"
    },
    {
      "kind": "answer",
      "title": "What is the Marriage Allowance?",
      "html": "https://moneyguide.org.uk/answers/what-is-marriage-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-marriage-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-marriage-allowance.md"
    },
    {
      "kind": "answer",
      "title": "What is the Inheritance Tax threshold?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-inheritance-tax-threshold/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-inheritance-tax-threshold.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-inheritance-tax-threshold.md"
    },
    {
      "kind": "answer",
      "title": "What is the pension Annual Allowance?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-pension-annual-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-pension-annual-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-pension-annual-allowance.md"
    },
    {
      "kind": "answer",
      "title": "What is FSCS protection?",
      "html": "https://moneyguide.org.uk/answers/what-is-fscs-protection/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-fscs-protection.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-fscs-protection.md"
    },
    {
      "kind": "answer",
      "title": "What is a SIPP?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-sipp/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-sipp.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-sipp.md"
    },
    {
      "kind": "answer",
      "title": "How does the Lifetime ISA work?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-lifetime-isa/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-lifetime-isa.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-lifetime-isa.md"
    },
    {
      "kind": "answer",
      "title": "What is Universal Credit?",
      "html": "https://moneyguide.org.uk/answers/what-is-universal-credit/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-universal-credit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-universal-credit.md"
    },
    {
      "kind": "answer",
      "title": "What is Section 75 credit card protection?",
      "html": "https://moneyguide.org.uk/answers/what-is-section-75/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-section-75.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-section-75.md"
    },
    {
      "kind": "answer",
      "title": "How do I check my tax code?",
      "html": "https://moneyguide.org.uk/answers/how-do-i-check-my-tax-code/",
      "markdown": "https://moneyguide.org.uk/answers/how-do-i-check-my-tax-code.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-do-i-check-my-tax-code.md"
    },
    {
      "kind": "answer",
      "title": "What is the mortgage stress test?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-mortgage-stress-test/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-mortgage-stress-test.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-mortgage-stress-test.md"
    },
    {
      "kind": "answer",
      "title": "What is a Stocks and Shares ISA?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-stocks-and-shares-isa/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-stocks-and-shares-isa.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-stocks-and-shares-isa.md"
    },
    {
      "kind": "answer",
      "title": "How do I claim higher-rate pension tax relief?",
      "html": "https://moneyguide.org.uk/answers/how-to-claim-higher-rate-pension-tax-relief/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-claim-higher-rate-pension-tax-relief.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-claim-higher-rate-pension-tax-relief.md"
    },
    {
      "kind": "answer",
      "title": "What is the FCA's Consumer Duty?",
      "html": "https://moneyguide.org.uk/answers/what-is-consumer-duty/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-consumer-duty.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-consumer-duty.md"
    },
    {
      "kind": "answer",
      "title": "When do I need to register for VAT?",
      "html": "https://moneyguide.org.uk/answers/when-do-i-need-to-register-for-vat/",
      "markdown": "https://moneyguide.org.uk/answers/when-do-i-need-to-register-for-vat.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-do-i-need-to-register-for-vat.md"
    },
    {
      "kind": "answer",
      "title": "How much can I earn before paying National Insurance?",
      "html": "https://moneyguide.org.uk/answers/how-much-can-i-earn-before-paying-national-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-can-i-earn-before-paying-national-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-can-i-earn-before-paying-national-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is the £1,000 trading allowance?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-trading-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-trading-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-trading-allowance.md"
    },
    {
      "kind": "answer",
      "title": "What is the Rent a Room Scheme allowance?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-rent-a-room-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-rent-a-room-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-rent-a-room-allowance.md"
    },
    {
      "kind": "answer",
      "title": "What is the High Income Child Benefit Charge (HICBC)?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-high-income-child-benefit-charge/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-high-income-child-benefit-charge.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-high-income-child-benefit-charge.md"
    },
    {
      "kind": "answer",
      "title": "Do I need to file a Self Assessment tax return?",
      "html": "https://moneyguide.org.uk/answers/do-i-need-to-file-a-self-assessment-tax-return/",
      "markdown": "https://moneyguide.org.uk/answers/do-i-need-to-file-a-self-assessment-tax-return.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-i-need-to-file-a-self-assessment-tax-return.md"
    },
    {
      "kind": "answer",
      "title": "When is the Self Assessment deadline?",
      "html": "https://moneyguide.org.uk/answers/when-is-the-self-assessment-deadline/",
      "markdown": "https://moneyguide.org.uk/answers/when-is-the-self-assessment-deadline.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-is-the-self-assessment-deadline.md"
    },
    {
      "kind": "answer",
      "title": "What is the 60% tax trap?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-60-percent-tax-trap/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-60-percent-tax-trap.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-60-percent-tax-trap.md"
    },
    {
      "kind": "answer",
      "title": "What is Help to Save and who can get it?",
      "html": "https://moneyguide.org.uk/answers/what-is-help-to-save/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-help-to-save.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-help-to-save.md"
    },
    {
      "kind": "answer",
      "title": "What is the Junior ISA allowance for 2026/27?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-junior-isa-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-junior-isa-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-junior-isa-allowance.md"
    },
    {
      "kind": "answer",
      "title": "What is the starting rate for savings?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-starting-rate-for-savings/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-starting-rate-for-savings.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-starting-rate-for-savings.md"
    },
    {
      "kind": "answer",
      "title": "What is the Money Purchase Annual Allowance (MPAA)?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-money-purchase-annual-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-money-purchase-annual-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-money-purchase-annual-allowance.md"
    },
    {
      "kind": "answer",
      "title": "How much of my pension can I take tax free?",
      "html": "https://moneyguide.org.uk/answers/how-much-of-my-pension-can-i-take-tax-free/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-of-my-pension-can-i-take-tax-free.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-of-my-pension-can-i-take-tax-free.md"
    },
    {
      "kind": "answer",
      "title": "What is Pension Credit and who can claim it?",
      "html": "https://moneyguide.org.uk/answers/what-is-pension-credit/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pension-credit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pension-credit.md"
    },
    {
      "kind": "answer",
      "title": "What is LTV (Loan-to-Value)?",
      "html": "https://moneyguide.org.uk/answers/what-is-loan-to-value-ltv/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-loan-to-value-ltv.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-loan-to-value-ltv.md"
    },
    {
      "kind": "answer",
      "title": "Can I overpay my mortgage without penalty?",
      "html": "https://moneyguide.org.uk/answers/can-i-overpay-my-mortgage-without-penalty/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-overpay-my-mortgage-without-penalty.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-overpay-my-mortgage-without-penalty.md"
    },
    {
      "kind": "answer",
      "title": "What is Personal Independence Payment (PIP)?",
      "html": "https://moneyguide.org.uk/answers/what-is-pip/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pip.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pip.md"
    },
    {
      "kind": "answer",
      "title": "What is Carer's Allowance?",
      "html": "https://moneyguide.org.uk/answers/what-is-carers-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-carers-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-carers-allowance.md"
    },
    {
      "kind": "answer",
      "title": "Can I still claim Housing Benefit?",
      "html": "https://moneyguide.org.uk/answers/can-i-still-claim-housing-benefit/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-still-claim-housing-benefit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-still-claim-housing-benefit.md"
    },
    {
      "kind": "answer",
      "title": "Can I cancel my broadband mid-contract penalty-free?",
      "html": "https://moneyguide.org.uk/answers/can-i-cancel-broadband-mid-contract/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-cancel-broadband-mid-contract.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-cancel-broadband-mid-contract.md"
    },
    {
      "kind": "answer",
      "title": "Who can get a free TV Licence?",
      "html": "https://moneyguide.org.uk/answers/who-can-get-a-free-tv-licence/",
      "markdown": "https://moneyguide.org.uk/answers/who-can-get-a-free-tv-licence.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-can-get-a-free-tv-licence.md"
    },
    {
      "kind": "answer",
      "title": "What is the dividend tax rate in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-dividend-tax-rate/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-dividend-tax-rate.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-dividend-tax-rate.md"
    },
    {
      "kind": "answer",
      "title": "Are UK gilts tax-free?",
      "html": "https://moneyguide.org.uk/answers/are-uk-gilts-tax-free/",
      "markdown": "https://moneyguide.org.uk/answers/are-uk-gilts-tax-free.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/are-uk-gilts-tax-free.md"
    },
    {
      "kind": "answer",
      "title": "How much will I get back from an authorised push payment (APP) scam?",
      "html": "https://moneyguide.org.uk/answers/how-much-will-i-get-back-from-an-app-scam/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-will-i-get-back-from-an-app-scam.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-will-i-get-back-from-an-app-scam.md"
    },
    {
      "kind": "answer",
      "title": "How long does it take to switch bank accounts?",
      "html": "https://moneyguide.org.uk/answers/how-long-does-it-take-to-switch-bank-accounts/",
      "markdown": "https://moneyguide.org.uk/answers/how-long-does-it-take-to-switch-bank-accounts.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-long-does-it-take-to-switch-bank-accounts.md"
    },
    {
      "kind": "answer",
      "title": "Can I write my own will in the UK?",
      "html": "https://moneyguide.org.uk/answers/can-i-write-my-own-will-uk/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-write-my-own-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-write-my-own-will-uk.md"
    },
    {
      "kind": "answer",
      "title": "How much does a will cost in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-much-does-a-will-cost-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-does-a-will-cost-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-does-a-will-cost-uk.md"
    },
    {
      "kind": "answer",
      "title": "What happens if I die without a will in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-happens-if-i-die-without-a-will-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-happens-if-i-die-without-a-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-happens-if-i-die-without-a-will-uk.md"
    },
    {
      "kind": "answer",
      "title": "Who can witness a will in the UK?",
      "html": "https://moneyguide.org.uk/answers/who-can-witness-a-will-uk/",
      "markdown": "https://moneyguide.org.uk/answers/who-can-witness-a-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-can-witness-a-will-uk.md"
    },
    {
      "kind": "answer",
      "title": "How much can I gift tax-free in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-much-can-i-gift-tax-free-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-can-i-gift-tax-free-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-can-i-gift-tax-free-uk.md"
    },
    {
      "kind": "answer",
      "title": "Do I need probate in the UK?",
      "html": "https://moneyguide.org.uk/answers/do-i-need-probate-uk/",
      "markdown": "https://moneyguide.org.uk/answers/do-i-need-probate-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-i-need-probate-uk.md"
    },
    {
      "kind": "answer",
      "title": "How long is probate taking in 2026?",
      "html": "https://moneyguide.org.uk/answers/how-long-is-probate-taking-2026/",
      "markdown": "https://moneyguide.org.uk/answers/how-long-is-probate-taking-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-long-is-probate-taking-2026.md"
    },
    {
      "kind": "answer",
      "title": "When does marriage revoke a will in the UK?",
      "html": "https://moneyguide.org.uk/answers/when-does-marriage-revoke-a-will/",
      "markdown": "https://moneyguide.org.uk/answers/when-does-marriage-revoke-a-will.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-does-marriage-revoke-a-will.md"
    },
    {
      "kind": "answer",
      "title": "Do I need a will in the UK?",
      "html": "https://moneyguide.org.uk/answers/do-i-need-a-will-uk/",
      "markdown": "https://moneyguide.org.uk/answers/do-i-need-a-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-i-need-a-will-uk.md"
    },
    {
      "kind": "answer",
      "title": "What's the difference between a Lasting Power of Attorney and a will in the UK?",
      "html": "https://moneyguide.org.uk/answers/lpa-vs-will-uk/",
      "markdown": "https://moneyguide.org.uk/answers/lpa-vs-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/lpa-vs-will-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is an advance decision (living will) in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-an-advance-decision-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-an-advance-decision-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-an-advance-decision-uk.md"
    },
    {
      "kind": "answer",
      "title": "Can I challenge a will in the UK?",
      "html": "https://moneyguide.org.uk/answers/can-i-challenge-a-will-uk/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-challenge-a-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-challenge-a-will-uk.md"
    },
    {
      "kind": "answer",
      "title": "Who can I appoint as guardian of my children in my UK will?",
      "html": "https://moneyguide.org.uk/answers/who-can-be-guardian-of-my-children-uk/",
      "markdown": "https://moneyguide.org.uk/answers/who-can-be-guardian-of-my-children-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-can-be-guardian-of-my-children-uk.md"
    },
    {
      "kind": "answer",
      "title": "Are pre-paid funeral plans safe in the UK?",
      "html": "https://moneyguide.org.uk/answers/are-prepaid-funeral-plans-safe-uk/",
      "markdown": "https://moneyguide.org.uk/answers/are-prepaid-funeral-plans-safe-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/are-prepaid-funeral-plans-safe-uk.md"
    },
    {
      "kind": "answer",
      "title": "Can the council take my house to pay for care fees in the UK?",
      "html": "https://moneyguide.org.uk/answers/can-the-council-take-my-house-for-care-fees-uk/",
      "markdown": "https://moneyguide.org.uk/answers/can-the-council-take-my-house-for-care-fees-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-the-council-take-my-house-for-care-fees-uk.md"
    },
    {
      "kind": "answer",
      "title": "What happens to jointly owned property when someone dies in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-happens-to-jointly-owned-property-when-someone-dies-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-happens-to-jointly-owned-property-when-someone-dies-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-happens-to-jointly-owned-property-when-someone-dies-uk.md"
    },
    {
      "kind": "answer",
      "title": "How is child maintenance calculated?",
      "html": "https://moneyguide.org.uk/answers/how-is-child-maintenance-calculated/",
      "markdown": "https://moneyguide.org.uk/answers/how-is-child-maintenance-calculated.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-is-child-maintenance-calculated.md"
    },
    {
      "kind": "answer",
      "title": "Do I need a Cash ISA?",
      "html": "https://moneyguide.org.uk/answers/do-i-need-a-cash-isa/",
      "markdown": "https://moneyguide.org.uk/answers/do-i-need-a-cash-isa.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-i-need-a-cash-isa.md"
    },
    {
      "kind": "answer",
      "title": "What is a balance transfer credit card?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-balance-transfer-card/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-balance-transfer-card.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-balance-transfer-card.md"
    },
    {
      "kind": "answer",
      "title": "What is salary sacrifice?",
      "html": "https://moneyguide.org.uk/answers/what-is-salary-sacrifice/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-salary-sacrifice.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-salary-sacrifice.md"
    },
    {
      "kind": "answer",
      "title": "What is remortgaging?",
      "html": "https://moneyguide.org.uk/answers/what-is-remortgaging/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-remortgaging.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-remortgaging.md"
    },
    {
      "kind": "answer",
      "title": "What is buy now, pay later (BNPL)?",
      "html": "https://moneyguide.org.uk/answers/what-is-buy-now-pay-later/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-buy-now-pay-later.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-buy-now-pay-later.md"
    },
    {
      "kind": "answer",
      "title": "What is a debt management plan (DMP)?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-debt-management-plan/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-debt-management-plan.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-debt-management-plan.md"
    },
    {
      "kind": "answer",
      "title": "What is an Individual Voluntary Arrangement (IVA)?",
      "html": "https://moneyguide.org.uk/answers/what-is-an-iva/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-an-iva.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-an-iva.md"
    },
    {
      "kind": "answer",
      "title": "What is bankruptcy in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-bankruptcy-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-bankruptcy-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-bankruptcy-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is chargeback?",
      "html": "https://moneyguide.org.uk/answers/what-is-chargeback/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-chargeback.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-chargeback.md"
    },
    {
      "kind": "answer",
      "title": "What is train delay compensation?",
      "html": "https://moneyguide.org.uk/answers/what-is-train-delay-compensation/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-train-delay-compensation.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-train-delay-compensation.md"
    },
    {
      "kind": "answer",
      "title": "What is Pension Wise?",
      "html": "https://moneyguide.org.uk/answers/what-is-pension-wise/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pension-wise.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pension-wise.md"
    },
    {
      "kind": "answer",
      "title": "What is debt-to-income ratio?",
      "html": "https://moneyguide.org.uk/answers/what-is-debt-to-income-ratio/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-debt-to-income-ratio.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-debt-to-income-ratio.md"
    },
    {
      "kind": "answer",
      "title": "What is credit utilisation?",
      "html": "https://moneyguide.org.uk/answers/what-is-credit-utilisation/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-credit-utilisation.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-credit-utilisation.md"
    },
    {
      "kind": "answer",
      "title": "What is APR on credit cards?",
      "html": "https://moneyguide.org.uk/answers/what-is-apr-on-credit-cards/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-apr-on-credit-cards.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-apr-on-credit-cards.md"
    },
    {
      "kind": "answer",
      "title": "What is a regular saver account?",
      "html": "https://moneyguide.org.uk/answers/what-is-regular-saver-account/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-regular-saver-account.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-regular-saver-account.md"
    },
    {
      "kind": "answer",
      "title": "What is the 50/30/20 budget rule?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-50-30-20-budget-rule/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-50-30-20-budget-rule.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-50-30-20-budget-rule.md"
    },
    {
      "kind": "answer",
      "title": "What are my consumer rights to a refund?",
      "html": "https://moneyguide.org.uk/answers/what-is-consumer-rights-refund/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-consumer-rights-refund.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-consumer-rights-refund.md"
    },
    {
      "kind": "answer",
      "title": "What is the cooling-off period in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-cooling-off-period-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-cooling-off-period-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-cooling-off-period-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is the Plan 2 student loan repayment threshold?",
      "html": "https://moneyguide.org.uk/answers/what-is-plan-2-student-loan-threshold/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-plan-2-student-loan-threshold.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-plan-2-student-loan-threshold.md"
    },
    {
      "kind": "answer",
      "title": "What is a maintenance loan?",
      "html": "https://moneyguide.org.uk/answers/what-is-maintenance-loan/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-maintenance-loan.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-maintenance-loan.md"
    },
    {
      "kind": "answer",
      "title": "What is a mortgage in principle?",
      "html": "https://moneyguide.org.uk/answers/what-is-mortgage-in-principle/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-mortgage-in-principle.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-mortgage-in-principle.md"
    },
    {
      "kind": "answer",
      "title": "What is conveyancing?",
      "html": "https://moneyguide.org.uk/answers/what-is-conveyancing/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-conveyancing.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-conveyancing.md"
    },
    {
      "kind": "answer",
      "title": "What is a credit score in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-credit-score-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-credit-score-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-credit-score-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is energy switching?",
      "html": "https://moneyguide.org.uk/answers/what-is-energy-switching/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-energy-switching.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-energy-switching.md"
    },
    {
      "kind": "answer",
      "title": "What is a Debt Relief Order (DRO)?",
      "html": "https://moneyguide.org.uk/answers/what-is-debt-relief-order/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-debt-relief-order.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-debt-relief-order.md"
    },
    {
      "kind": "answer",
      "title": "What is a guarantor loan?",
      "html": "https://moneyguide.org.uk/answers/what-is-guarantor-loan/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-guarantor-loan.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-guarantor-loan.md"
    },
    {
      "kind": "answer",
      "title": "What is a 0% credit card?",
      "html": "https://moneyguide.org.uk/answers/what-is-0-percent-credit-card/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-0-percent-credit-card.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-0-percent-credit-card.md"
    },
    {
      "kind": "answer",
      "title": "What are overdraft charges?",
      "html": "https://moneyguide.org.uk/answers/what-is-overdraft-charges/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-overdraft-charges.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-overdraft-charges.md"
    },
    {
      "kind": "answer",
      "title": "What is a mortgage prisoner?",
      "html": "https://moneyguide.org.uk/answers/what-is-mortgage-prisoner/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-mortgage-prisoner.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-mortgage-prisoner.md"
    },
    {
      "kind": "answer",
      "title": "What is shared ownership staircasing?",
      "html": "https://moneyguide.org.uk/answers/what-is-shared-ownership-staircasing/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-shared-ownership-staircasing.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-shared-ownership-staircasing.md"
    },
    {
      "kind": "answer",
      "title": "What is a green mortgage?",
      "html": "https://moneyguide.org.uk/answers/what-is-green-mortgage/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-green-mortgage.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-green-mortgage.md"
    },
    {
      "kind": "answer",
      "title": "What are payments on account?",
      "html": "https://moneyguide.org.uk/answers/what-is-payments-on-account/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-payments-on-account.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-payments-on-account.md"
    },
    {
      "kind": "answer",
      "title": "What is CIS tax?",
      "html": "https://moneyguide.org.uk/answers/what-is-cis-tax/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-cis-tax.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-cis-tax.md"
    },
    {
      "kind": "answer",
      "title": "What is a robo-adviser in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-robo-adviser-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-robo-adviser-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-robo-adviser-uk.md"
    },
    {
      "kind": "answer",
      "title": "How does inflation affect my savings?",
      "html": "https://moneyguide.org.uk/answers/what-is-inflation-impact-on-savings/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-inflation-impact-on-savings.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-inflation-impact-on-savings.md"
    },
    {
      "kind": "answer",
      "title": "What is Plan 5 student loan?",
      "html": "https://moneyguide.org.uk/answers/what-is-plan-5-student-loan/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-plan-5-student-loan.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-plan-5-student-loan.md"
    },
    {
      "kind": "answer",
      "title": "What is a student overdraft?",
      "html": "https://moneyguide.org.uk/answers/what-is-student-overdraft/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-student-overdraft.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-student-overdraft.md"
    },
    {
      "kind": "answer",
      "title": "What is a copycat website scam?",
      "html": "https://moneyguide.org.uk/answers/what-is-copycat-website-scam/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-copycat-website-scam.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-copycat-website-scam.md"
    },
    {
      "kind": "answer",
      "title": "What is the Warm Home Discount?",
      "html": "https://moneyguide.org.uk/answers/what-is-warm-home-discount/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-warm-home-discount.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-warm-home-discount.md"
    },
    {
      "kind": "answer",
      "title": "What is the Household Support Fund?",
      "html": "https://moneyguide.org.uk/answers/what-is-household-support-fund/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-household-support-fund.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-household-support-fund.md"
    },
    {
      "kind": "answer",
      "title": "What is Adult Disability Payment (ADP) in Scotland?",
      "html": "https://moneyguide.org.uk/answers/what-is-adult-disability-payment/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-adult-disability-payment.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-adult-disability-payment.md"
    },
    {
      "kind": "answer",
      "title": "How do I appeal a PCN (parking charge notice)?",
      "html": "https://moneyguide.org.uk/answers/how-do-i-appeal-a-pcn/",
      "markdown": "https://moneyguide.org.uk/answers/how-do-i-appeal-a-pcn.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-do-i-appeal-a-pcn.md"
    },
    {
      "kind": "answer",
      "title": "What is a SIM-only deal?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-sim-only-deal/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-sim-only-deal.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-sim-only-deal.md"
    },
    {
      "kind": "answer",
      "title": "Can my mobile price rise mid-contract?",
      "html": "https://moneyguide.org.uk/answers/can-my-mobile-price-rise-mid-contract/",
      "markdown": "https://moneyguide.org.uk/answers/can-my-mobile-price-rise-mid-contract.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-my-mobile-price-rise-mid-contract.md"
    },
    {
      "kind": "answer",
      "title": "What are mobile social tariffs?",
      "html": "https://moneyguide.org.uk/answers/what-are-mobile-social-tariffs/",
      "markdown": "https://moneyguide.org.uk/answers/what-are-mobile-social-tariffs.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-are-mobile-social-tariffs.md"
    },
    {
      "kind": "answer",
      "title": "How much is an NHS prescription in England?",
      "html": "https://moneyguide.org.uk/answers/how-much-is-an-nhs-prescription-england/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-is-an-nhs-prescription-england.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-is-an-nhs-prescription-england.md"
    },
    {
      "kind": "answer",
      "title": "Who gets free NHS prescriptions?",
      "html": "https://moneyguide.org.uk/answers/who-gets-free-nhs-prescriptions/",
      "markdown": "https://moneyguide.org.uk/answers/who-gets-free-nhs-prescriptions.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-gets-free-nhs-prescriptions.md"
    },
    {
      "kind": "answer",
      "title": "How much is NHS dental treatment?",
      "html": "https://moneyguide.org.uk/answers/how-much-is-nhs-dental-treatment/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-is-nhs-dental-treatment.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-is-nhs-dental-treatment.md"
    },
    {
      "kind": "answer",
      "title": "Do broadband social tariffs have exit fees?",
      "html": "https://moneyguide.org.uk/answers/do-broadband-social-tariffs-have-exit-fees/",
      "markdown": "https://moneyguide.org.uk/answers/do-broadband-social-tariffs-have-exit-fees.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-broadband-social-tariffs-have-exit-fees.md"
    },
    {
      "kind": "answer",
      "title": "What is an HC2 certificate?",
      "html": "https://moneyguide.org.uk/answers/what-is-hc2-certificate/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-hc2-certificate.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-hc2-certificate.md"
    },
    {
      "kind": "answer",
      "title": "What is an NHS prescription prepayment certificate (PPC)?",
      "html": "https://moneyguide.org.uk/answers/what-is-nhs-prescription-prepayment-certificate/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-nhs-prescription-prepayment-certificate.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-nhs-prescription-prepayment-certificate.md"
    },
    {
      "kind": "answer",
      "title": "How does FSCS banking licence grouping work?",
      "html": "https://moneyguide.org.uk/answers/how-does-fscs-banking-licence-grouping-work/",
      "markdown": "https://moneyguide.org.uk/answers/how-does-fscs-banking-licence-grouping-work.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-does-fscs-banking-licence-grouping-work.md"
    },
    {
      "kind": "answer",
      "title": "What is an offset mortgage?",
      "html": "https://moneyguide.org.uk/answers/what-is-an-offset-mortgage/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-an-offset-mortgage.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-an-offset-mortgage.md"
    },
    {
      "kind": "answer",
      "title": "How does Making Tax Digital work for landlords?",
      "html": "https://moneyguide.org.uk/answers/how-does-making-tax-digital-work-for-landlords/",
      "markdown": "https://moneyguide.org.uk/answers/how-does-making-tax-digital-work-for-landlords.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-does-making-tax-digital-work-for-landlords.md"
    },
    {
      "kind": "answer",
      "title": "What is Pension Credit guarantee credit?",
      "html": "https://moneyguide.org.uk/answers/what-is-pension-credit-guarantee-credit/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pension-credit-guarantee-credit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pension-credit-guarantee-credit.md"
    },
    {
      "kind": "answer",
      "title": "How long does chargeback take?",
      "html": "https://moneyguide.org.uk/answers/how-long-does-chargeback-take/",
      "markdown": "https://moneyguide.org.uk/answers/how-long-does-chargeback-take.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-long-does-chargeback-take.md"
    },
    {
      "kind": "answer",
      "title": "What is the best way to save a lump sum in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-best-way-to-save-a-lump-sum/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-best-way-to-save-a-lump-sum.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-best-way-to-save-a-lump-sum.md"
    },
    {
      "kind": "answer",
      "title": "What is an index tracker fund?",
      "html": "https://moneyguide.org.uk/answers/what-is-an-index-tracker-fund/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-an-index-tracker-fund.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-an-index-tracker-fund.md"
    },
    {
      "kind": "answer",
      "title": "What is pound cost averaging?",
      "html": "https://moneyguide.org.uk/answers/what-is-pound-cost-averaging/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pound-cost-averaging.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pound-cost-averaging.md"
    },
    {
      "kind": "answer",
      "title": "What is a portable mortgage?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-portable-mortgage/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-portable-mortgage.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-portable-mortgage.md"
    },
    {
      "kind": "answer",
      "title": "What is the Corporation Tax rate for 2026/27?",
      "html": "https://moneyguide.org.uk/answers/what-is-corporation-tax-rate-2026-27/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-corporation-tax-rate-2026-27.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-corporation-tax-rate-2026-27.md"
    },
    {
      "kind": "answer",
      "title": "What is a defined benefit pension?",
      "html": "https://moneyguide.org.uk/answers/what-is-defined-benefit-pension/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-defined-benefit-pension.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-defined-benefit-pension.md"
    },
    {
      "kind": "answer",
      "title": "What is Attendance Allowance?",
      "html": "https://moneyguide.org.uk/answers/what-is-attendance-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-attendance-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-attendance-allowance.md"
    },
    {
      "kind": "answer",
      "title": "What is open banking in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-open-banking-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-open-banking-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-open-banking-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is statute-barred debt in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-statute-barred-debt/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-statute-barred-debt.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-statute-barred-debt.md"
    },
    {
      "kind": "answer",
      "title": "What is a continuous payment authority?",
      "html": "https://moneyguide.org.uk/answers/what-is-continuous-payment-authority/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-continuous-payment-authority.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-continuous-payment-authority.md"
    },
    {
      "kind": "answer",
      "title": "What is a mortgage product transfer?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-product-transfer-mortgage/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-product-transfer-mortgage.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-product-transfer-mortgage.md"
    },
    {
      "kind": "answer",
      "title": "What are capital allowances for business?",
      "html": "https://moneyguide.org.uk/answers/what-is-capital-allowances-for-business/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-capital-allowances-for-business.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-capital-allowances-for-business.md"
    },
    {
      "kind": "answer",
      "title": "What is a fixed-rate bond savings account?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-fixed-rate-bond-savings/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-fixed-rate-bond-savings.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-fixed-rate-bond-savings.md"
    },
    {
      "kind": "answer",
      "title": "What is the Consumer Rights Act 2015?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-consumer-rights-act-2015/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-consumer-rights-act-2015.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-consumer-rights-act-2015.md"
    },
    {
      "kind": "answer",
      "title": "What is a mortgage indemnity guarantee?",
      "html": "https://moneyguide.org.uk/answers/what-is-mortgage-indemnity-guarantee/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-mortgage-indemnity-guarantee.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-mortgage-indemnity-guarantee.md"
    },
    {
      "kind": "answer",
      "title": "What is pension auto-enrolment?",
      "html": "https://moneyguide.org.uk/answers/what-is-pension-auto-enrolment/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pension-auto-enrolment.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pension-auto-enrolment.md"
    },
    {
      "kind": "answer",
      "title": "What is the FSCS investment protection limit?",
      "html": "https://moneyguide.org.uk/answers/what-is-fscs-investment-protection-limit/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-fscs-investment-protection-limit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-fscs-investment-protection-limit.md"
    },
    {
      "kind": "answer",
      "title": "What is a bridging loan?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-bridging-loan/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-bridging-loan.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-bridging-loan.md"
    },
    {
      "kind": "answer",
      "title": "What is the energy standing charge?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-energy-standing-charge/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-energy-standing-charge.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-energy-standing-charge.md"
    },
    {
      "kind": "answer",
      "title": "Should I fix my energy tariff in 2026?",
      "html": "https://moneyguide.org.uk/answers/should-i-fix-my-energy-tariff/",
      "markdown": "https://moneyguide.org.uk/answers/should-i-fix-my-energy-tariff.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/should-i-fix-my-energy-tariff.md"
    },
    {
      "kind": "answer",
      "title": "How much is Tax-Free Childcare worth?",
      "html": "https://moneyguide.org.uk/answers/what-is-tax-free-childcare-worth/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-tax-free-childcare-worth.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-tax-free-childcare-worth.md"
    },
    {
      "kind": "answer",
      "title": "How much does car insurance cost in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-much-does-car-insurance-cost/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-does-car-insurance-cost.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-does-car-insurance-cost.md"
    },
    {
      "kind": "answer",
      "title": "How much is Pension Credit worth?",
      "html": "https://moneyguide.org.uk/answers/what-is-pension-credit-worth/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pension-credit-worth.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pension-credit-worth.md"
    },
    {
      "kind": "answer",
      "title": "What is DLA for children?",
      "html": "https://moneyguide.org.uk/answers/what-is-dla-for-children/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-dla-for-children.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-dla-for-children.md"
    },
    {
      "kind": "answer",
      "title": "What is the WaterSure scheme?",
      "html": "https://moneyguide.org.uk/answers/what-is-watersure/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-watersure.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-watersure.md"
    },
    {
      "kind": "answer",
      "title": "How does Scottish Income Tax work?",
      "html": "https://moneyguide.org.uk/answers/what-is-scottish-income-tax/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-scottish-income-tax.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-scottish-income-tax.md"
    },
    {
      "kind": "answer",
      "title": "What is the Universal Credit work allowance?",
      "html": "https://moneyguide.org.uk/answers/what-is-universal-credit-work-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-universal-credit-work-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-universal-credit-work-allowance.md"
    },
    {
      "kind": "answer",
      "title": "Should I get a personal loan?",
      "html": "https://moneyguide.org.uk/answers/should-i-get-a-personal-loan/",
      "markdown": "https://moneyguide.org.uk/answers/should-i-get-a-personal-loan.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/should-i-get-a-personal-loan.md"
    },
    {
      "kind": "answer",
      "title": "Should I take pension drawdown or buy an annuity?",
      "html": "https://moneyguide.org.uk/answers/should-i-take-drawdown-or-an-annuity/",
      "markdown": "https://moneyguide.org.uk/answers/should-i-take-drawdown-or-an-annuity.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/should-i-take-drawdown-or-an-annuity.md"
    },
    {
      "kind": "answer",
      "title": "What is the April 2027 pension Inheritance Tax change?",
      "html": "https://moneyguide.org.uk/answers/what-is-the-april-2027-pension-iht-change/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-the-april-2027-pension-iht-change.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-the-april-2027-pension-iht-change.md"
    },
    {
      "kind": "answer",
      "title": "Should I consolidate my pensions?",
      "html": "https://moneyguide.org.uk/answers/should-i-consolidate-my-pensions/",
      "markdown": "https://moneyguide.org.uk/answers/should-i-consolidate-my-pensions.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/should-i-consolidate-my-pensions.md"
    },
    {
      "kind": "answer",
      "title": "What is equity release?",
      "html": "https://moneyguide.org.uk/answers/what-is-equity-release/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-equity-release.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-equity-release.md"
    },
    {
      "kind": "answer",
      "title": "How do I buy my first home in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-do-i-buy-my-first-home-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-do-i-buy-my-first-home-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-do-i-buy-my-first-home-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is a soft credit search?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-soft-credit-search/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-soft-credit-search.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-soft-credit-search.md"
    },
    {
      "kind": "answer",
      "title": "Are Premium Bonds worth it?",
      "html": "https://moneyguide.org.uk/answers/are-premium-bonds-worth-it/",
      "markdown": "https://moneyguide.org.uk/answers/are-premium-bonds-worth-it.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/are-premium-bonds-worth-it.md"
    },
    {
      "kind": "answer",
      "title": "Can I transfer my defined benefit pension?",
      "html": "https://moneyguide.org.uk/answers/can-i-transfer-my-defined-benefit-pension/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-transfer-my-defined-benefit-pension.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-transfer-my-defined-benefit-pension.md"
    },
    {
      "kind": "answer",
      "title": "When do I need to register for Self Assessment?",
      "html": "https://moneyguide.org.uk/answers/when-do-i-register-for-self-assessment/",
      "markdown": "https://moneyguide.org.uk/answers/when-do-i-register-for-self-assessment.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-do-i-register-for-self-assessment.md"
    },
    {
      "kind": "answer",
      "title": "What is a Lasting Power of Attorney?",
      "html": "https://moneyguide.org.uk/answers/what-is-a-lasting-power-of-attorney/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-a-lasting-power-of-attorney.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-a-lasting-power-of-attorney.md"
    },
    {
      "kind": "answer",
      "title": "How is a care home paid for in England?",
      "html": "https://moneyguide.org.uk/answers/how-is-care-home-funded-in-england/",
      "markdown": "https://moneyguide.org.uk/answers/how-is-care-home-funded-in-england.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-is-care-home-funded-in-england.md"
    },
    {
      "kind": "answer",
      "title": "What is Inheritance Tax planning?",
      "html": "https://moneyguide.org.uk/answers/what-is-inheritance-tax-planning/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-inheritance-tax-planning.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-inheritance-tax-planning.md"
    },
    {
      "kind": "answer",
      "title": "How many free childcare hours can I get in 2026?",
      "html": "https://moneyguide.org.uk/answers/how-many-free-childcare-hours-2026/",
      "markdown": "https://moneyguide.org.uk/answers/how-many-free-childcare-hours-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-many-free-childcare-hours-2026.md"
    },
    {
      "kind": "answer",
      "title": "How long from mortgage offer to completion?",
      "html": "https://moneyguide.org.uk/answers/how-long-from-mortgage-offer-to-completion/",
      "markdown": "https://moneyguide.org.uk/answers/how-long-from-mortgage-offer-to-completion.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-long-from-mortgage-offer-to-completion.md"
    },
    {
      "kind": "answer",
      "title": "What is a joint borrower sole proprietor mortgage?",
      "html": "https://moneyguide.org.uk/answers/what-is-joint-borrower-sole-proprietor-mortgage/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-joint-borrower-sole-proprietor-mortgage.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-joint-borrower-sole-proprietor-mortgage.md"
    },
    {
      "kind": "answer",
      "title": "What is Sharia-compliant savings?",
      "html": "https://moneyguide.org.uk/answers/what-is-sharia-compliant-savings/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-sharia-compliant-savings.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-sharia-compliant-savings.md"
    },
    {
      "kind": "answer",
      "title": "What is an Islamic mortgage in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-islamic-mortgage-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-islamic-mortgage-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-islamic-mortgage-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is NS&I?",
      "html": "https://moneyguide.org.uk/answers/what-is-ns-and-i/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-ns-and-i.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-ns-and-i.md"
    },
    {
      "kind": "answer",
      "title": "How do I choose an investment platform?",
      "html": "https://moneyguide.org.uk/answers/how-do-i-choose-an-investment-platform/",
      "markdown": "https://moneyguide.org.uk/answers/how-do-i-choose-an-investment-platform.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-do-i-choose-an-investment-platform.md"
    },
    {
      "kind": "answer",
      "title": "Is buy now pay later regulated in 2026?",
      "html": "https://moneyguide.org.uk/answers/is-buy-now-pay-later-regulated-in-2026/",
      "markdown": "https://moneyguide.org.uk/answers/is-buy-now-pay-later-regulated-in-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/is-buy-now-pay-later-regulated-in-2026.md"
    },
    {
      "kind": "answer",
      "title": "What is the difference between buildings and contents insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-buildings-insurance-vs-contents/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-buildings-insurance-vs-contents.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-buildings-insurance-vs-contents.md"
    },
    {
      "kind": "answer",
      "title": "What is Bereavement Support Payment?",
      "html": "https://moneyguide.org.uk/answers/what-is-bereavement-support-payment/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-bereavement-support-payment.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-bereavement-support-payment.md"
    },
    {
      "kind": "answer",
      "title": "How is rental income taxed in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-is-rental-income-taxed/",
      "markdown": "https://moneyguide.org.uk/answers/how-is-rental-income-taxed.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-is-rental-income-taxed.md"
    },
    {
      "kind": "answer",
      "title": "What is the difference between standing charge and unit rate?",
      "html": "https://moneyguide.org.uk/answers/what-is-standing-charge-vs-unit-rate/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-standing-charge-vs-unit-rate.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-standing-charge-vs-unit-rate.md"
    },
    {
      "kind": "answer",
      "title": "What is compound interest?",
      "html": "https://moneyguide.org.uk/answers/what-is-compound-interest/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-compound-interest.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-compound-interest.md"
    },
    {
      "kind": "answer",
      "title": "What is risk tolerance in investing?",
      "html": "https://moneyguide.org.uk/answers/what-is-risk-tolerance-investing/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-risk-tolerance-investing.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-risk-tolerance-investing.md"
    },
    {
      "kind": "answer",
      "title": "Should I invest in UK or global funds?",
      "html": "https://moneyguide.org.uk/answers/should-i-invest-in-uk-or-global-funds/",
      "markdown": "https://moneyguide.org.uk/answers/should-i-invest-in-uk-or-global-funds.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/should-i-invest-in-uk-or-global-funds.md"
    },
    {
      "kind": "answer",
      "title": "What happens on property completion day?",
      "html": "https://moneyguide.org.uk/answers/what-happens-on-property-completion-day/",
      "markdown": "https://moneyguide.org.uk/answers/what-happens-on-property-completion-day.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-happens-on-property-completion-day.md"
    },
    {
      "kind": "answer",
      "title": "What is the NS&I Direct Saver?",
      "html": "https://moneyguide.org.uk/answers/what-is-ns-and-i-direct-saver/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-ns-and-i-direct-saver.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-ns-and-i-direct-saver.md"
    },
    {
      "kind": "answer",
      "title": "What is an NS&I Green Savings Bond?",
      "html": "https://moneyguide.org.uk/answers/what-is-green-savings-bond/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-green-savings-bond.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-green-savings-bond.md"
    },
    {
      "kind": "answer",
      "title": "What is a mortgage chain delay?",
      "html": "https://moneyguide.org.uk/answers/what-is-mortgage-chain-delay/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-mortgage-chain-delay.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-mortgage-chain-delay.md"
    },
    {
      "kind": "answer",
      "title": "How does buying property at auction work?",
      "html": "https://moneyguide.org.uk/answers/what-is-auction-property-buying/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-auction-property-buying.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-auction-property-buying.md"
    },
    {
      "kind": "answer",
      "title": "Who is eligible for Pension Credit?",
      "html": "https://moneyguide.org.uk/answers/what-is-pension-credit-eligibility/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pension-credit-eligibility.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pension-credit-eligibility.md"
    },
    {
      "kind": "answer",
      "title": "How much can I earn on Universal Credit?",
      "html": "https://moneyguide.org.uk/answers/what-is-universal-credit-earnings-limit/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-universal-credit-earnings-limit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-universal-credit-earnings-limit.md"
    },
    {
      "kind": "answer",
      "title": "How long do 0% balance transfer offers last?",
      "html": "https://moneyguide.org.uk/answers/what-is-0-percent-balance-transfer-period/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-0-percent-balance-transfer-period.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-0-percent-balance-transfer-period.md"
    },
    {
      "kind": "answer",
      "title": "What is contents-only insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-contents-only-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-contents-only-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-contents-only-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is the energy unit rate?",
      "html": "https://moneyguide.org.uk/answers/what-is-energy-unit-rate/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-energy-unit-rate.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-energy-unit-rate.md"
    },
    {
      "kind": "answer",
      "title": "Who is eligible for Bereavement Support Payment?",
      "html": "https://moneyguide.org.uk/answers/who-is-eligible-for-bereavement-support-payment/",
      "markdown": "https://moneyguide.org.uk/answers/who-is-eligible-for-bereavement-support-payment.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-is-eligible-for-bereavement-support-payment.md"
    },
    {
      "kind": "answer",
      "title": "How much is Bereavement Support Payment?",
      "html": "https://moneyguide.org.uk/answers/how-much-is-bereavement-support-payment/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-is-bereavement-support-payment.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-is-bereavement-support-payment.md"
    },
    {
      "kind": "answer",
      "title": "What is the mortgage interest tax credit for landlords?",
      "html": "https://moneyguide.org.uk/answers/what-is-mortgage-interest-tax-credit-landlord/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-mortgage-interest-tax-credit-landlord.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-mortgage-interest-tax-credit-landlord.md"
    },
    {
      "kind": "answer",
      "title": "What is the property allowance for landlords?",
      "html": "https://moneyguide.org.uk/answers/what-is-property-allowance-for-landlords/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-property-allowance-for-landlords.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-property-allowance-for-landlords.md"
    },
    {
      "kind": "answer",
      "title": "What landlord expenses are tax deductible?",
      "html": "https://moneyguide.org.uk/answers/what-landlord-expenses-are-tax-deductible/",
      "markdown": "https://moneyguide.org.uk/answers/what-landlord-expenses-are-tax-deductible.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-landlord-expenses-are-tax-deductible.md"
    },
    {
      "kind": "answer",
      "title": "What is Savings Credit in Pension Credit?",
      "html": "https://moneyguide.org.uk/answers/what-is-savings-credit-pension-credit/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-savings-credit-pension-credit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-savings-credit-pension-credit.md"
    },
    {
      "kind": "answer",
      "title": "How does the Universal Credit taper work?",
      "html": "https://moneyguide.org.uk/answers/how-does-universal-credit-taper-work/",
      "markdown": "https://moneyguide.org.uk/answers/how-does-universal-credit-taper-work.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-does-universal-credit-taper-work.md"
    },
    {
      "kind": "answer",
      "title": "What is the Universal Credit standard allowance in 2026?",
      "html": "https://moneyguide.org.uk/answers/what-is-universal-credit-standard-allowance-2026/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-universal-credit-standard-allowance-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-universal-credit-standard-allowance-2026.md"
    },
    {
      "kind": "answer",
      "title": "What is a balance transfer fee?",
      "html": "https://moneyguide.org.uk/answers/what-is-balance-transfer-fee/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-balance-transfer-fee.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-balance-transfer-fee.md"
    },
    {
      "kind": "answer",
      "title": "Does buy now pay later affect your credit score?",
      "html": "https://moneyguide.org.uk/answers/does-buy-now-pay-later-affect-credit-score/",
      "markdown": "https://moneyguide.org.uk/answers/does-buy-now-pay-later-affect-credit-score.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/does-buy-now-pay-later-affect-credit-score.md"
    },
    {
      "kind": "answer",
      "title": "What is a BNPL affordability check?",
      "html": "https://moneyguide.org.uk/answers/what-is-bnpl-affordability-check/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-bnpl-affordability-check.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-bnpl-affordability-check.md"
    },
    {
      "kind": "answer",
      "title": "What is diversification in investing?",
      "html": "https://moneyguide.org.uk/answers/what-is-diversification-in-investing/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-diversification-in-investing.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-diversification-in-investing.md"
    },
    {
      "kind": "answer",
      "title": "What is asset allocation?",
      "html": "https://moneyguide.org.uk/answers/what-is-asset-allocation/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-asset-allocation.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-asset-allocation.md"
    },
    {
      "kind": "answer",
      "title": "What is volatility in investing?",
      "html": "https://moneyguide.org.uk/answers/what-is-volatility-in-investing/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-volatility-in-investing.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-volatility-in-investing.md"
    },
    {
      "kind": "answer",
      "title": "What is rebuild cost for buildings insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-rebuild-cost-for-buildings-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-rebuild-cost-for-buildings-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-rebuild-cost-for-buildings-insurance.md"
    },
    {
      "kind": "answer",
      "title": "How much contents insurance do I need?",
      "html": "https://moneyguide.org.uk/answers/how-much-contents-insurance-do-i-need/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-contents-insurance-do-i-need.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-contents-insurance-do-i-need.md"
    },
    {
      "kind": "answer",
      "title": "What is Ofcom's fixed price rise rule?",
      "html": "https://moneyguide.org.uk/answers/what-is-ofcom-fixed-price-rise-rule/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-ofcom-fixed-price-rise-rule.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-ofcom-fixed-price-rise-rule.md"
    },
    {
      "kind": "answer",
      "title": "What is the Warm Home Discount scheme?",
      "html": "https://moneyguide.org.uk/answers/what-is-warm-home-discount-scheme/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-warm-home-discount-scheme.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-warm-home-discount-scheme.md"
    },
    {
      "kind": "answer",
      "title": "How often is the energy price cap reviewed?",
      "html": "https://moneyguide.org.uk/answers/how-often-is-energy-price-cap-reviewed/",
      "markdown": "https://moneyguide.org.uk/answers/how-often-is-energy-price-cap-reviewed.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-often-is-energy-price-cap-reviewed.md"
    },
    {
      "kind": "answer",
      "title": "What is credit utilisation ratio?",
      "html": "https://moneyguide.org.uk/answers/what-is-credit-utilisation-ratio/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-credit-utilisation-ratio.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-credit-utilisation-ratio.md"
    },
    {
      "kind": "answer",
      "title": "What is the cost of living payments timeline for 2026?",
      "html": "https://moneyguide.org.uk/answers/what-is-cost-of-living-payments-timeline-2026/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-cost-of-living-payments-timeline-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-cost-of-living-payments-timeline-2026.md"
    },
    {
      "kind": "answer",
      "title": "When is the Household Support Fund available in 2026?",
      "html": "https://moneyguide.org.uk/answers/when-is-household-support-fund-available-2026/",
      "markdown": "https://moneyguide.org.uk/answers/when-is-household-support-fund-available-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-is-household-support-fund-available-2026.md"
    },
    {
      "kind": "answer",
      "title": "Who gets Winter Fuel Payment in 2026?",
      "html": "https://moneyguide.org.uk/answers/who-gets-winter-fuel-payment-2026/",
      "markdown": "https://moneyguide.org.uk/answers/who-gets-winter-fuel-payment-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-gets-winter-fuel-payment-2026.md"
    },
    {
      "kind": "answer",
      "title": "How much is Winter Fuel Payment in 2026?",
      "html": "https://moneyguide.org.uk/answers/how-much-is-winter-fuel-payment-2026/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-is-winter-fuel-payment-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-is-winter-fuel-payment-2026.md"
    },
    {
      "kind": "answer",
      "title": "What is Council Tax Reduction?",
      "html": "https://moneyguide.org.uk/answers/what-is-council-tax-reduction/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-council-tax-reduction.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-council-tax-reduction.md"
    },
    {
      "kind": "answer",
      "title": "Who qualifies for a mobile social tariff in the UK?",
      "html": "https://moneyguide.org.uk/answers/who-qualifies-for-mobile-social-tariff-uk/",
      "markdown": "https://moneyguide.org.uk/answers/who-qualifies-for-mobile-social-tariff-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-qualifies-for-mobile-social-tariff-uk.md"
    },
    {
      "kind": "answer",
      "title": "How much is a mobile social tariff in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-much-is-mobile-social-tariff-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-is-mobile-social-tariff-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-is-mobile-social-tariff-uk.md"
    },
    {
      "kind": "answer",
      "title": "How do I switch to a mobile social tariff?",
      "html": "https://moneyguide.org.uk/answers/how-do-i-switch-to-mobile-social-tariff/",
      "markdown": "https://moneyguide.org.uk/answers/how-do-i-switch-to-mobile-social-tariff.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-do-i-switch-to-mobile-social-tariff.md"
    },
    {
      "kind": "answer",
      "title": "Which networks offer mobile social tariffs?",
      "html": "https://moneyguide.org.uk/answers/which-networks-offer-mobile-social-tariffs/",
      "markdown": "https://moneyguide.org.uk/answers/which-networks-offer-mobile-social-tariffs.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/which-networks-offer-mobile-social-tariffs.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare home insurance in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-home-insurance-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-home-insurance-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-home-insurance-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is home insurance excess?",
      "html": "https://moneyguide.org.uk/answers/what-is-home-insurance-excess/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-home-insurance-excess.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-home-insurance-excess.md"
    },
    {
      "kind": "answer",
      "title": "What is new-for-old home insurance cover?",
      "html": "https://moneyguide.org.uk/answers/what-is-new-for-old-home-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-new-for-old-home-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-new-for-old-home-insurance.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare critical illness cover?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-critical-illness-cover/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-critical-illness-cover.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-critical-illness-cover.md"
    },
    {
      "kind": "answer",
      "title": "What is decreasing term life insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-decreasing-term-life-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-decreasing-term-life-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-decreasing-term-life-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is writing life insurance in trust?",
      "html": "https://moneyguide.org.uk/answers/what-is-writing-life-insurance-in-trust/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-writing-life-insurance-in-trust.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-writing-life-insurance-in-trust.md"
    },
    {
      "kind": "answer",
      "title": "What is a social tariff for broadband and mobile?",
      "html": "https://moneyguide.org.uk/answers/what-is-social-tariff-broadband-and-mobile/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-social-tariff-broadband-and-mobile.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-social-tariff-broadband-and-mobile.md"
    },
    {
      "kind": "answer",
      "title": "What is a water social tariff in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-water-social-tariff-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-water-social-tariff-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-water-social-tariff-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is accidental damage cover on home insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-home-insurance-accidental-damage/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-home-insurance-accidental-damage.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-home-insurance-accidental-damage.md"
    },
    {
      "kind": "answer",
      "title": "What is ABI+ critical illness cover?",
      "html": "https://moneyguide.org.uk/answers/what-is-abi-plus-critical-illness/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-abi-plus-critical-illness.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-abi-plus-critical-illness.md"
    },
    {
      "kind": "answer",
      "title": "What is an income protection waiting period?",
      "html": "https://moneyguide.org.uk/answers/what-is-income-protection-waiting-period/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-income-protection-waiting-period.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-income-protection-waiting-period.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare car insurance in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-car-insurance-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-car-insurance-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-car-insurance-uk.md"
    },
    {
      "kind": "answer",
      "title": "What car insurance is compulsory in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-is-compulsory-car-insurance-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-compulsory-car-insurance-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-compulsory-car-insurance-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is car insurance excess?",
      "html": "https://moneyguide.org.uk/answers/what-is-car-insurance-excess/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-car-insurance-excess.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-car-insurance-excess.md"
    },
    {
      "kind": "answer",
      "title": "What is a no-claims bonus on car insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-no-claims-bonus-car-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-no-claims-bonus-car-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-no-claims-bonus-car-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is protected no-claims bonus?",
      "html": "https://moneyguide.org.uk/answers/what-is-protected-no-claims-bonus/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-protected-no-claims-bonus.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-protected-no-claims-bonus.md"
    },
    {
      "kind": "answer",
      "title": "Does telematics lower car insurance?",
      "html": "https://moneyguide.org.uk/answers/does-telematics-lower-car-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/does-telematics-lower-car-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/does-telematics-lower-car-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is third-party fire and theft car insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-third-party-fire-and-theft/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-third-party-fire-and-theft.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-third-party-fire-and-theft.md"
    },
    {
      "kind": "answer",
      "title": "What is a car insurance group rating?",
      "html": "https://moneyguide.org.uk/answers/what-is-car-insurance-group-rating/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-car-insurance-group-rating.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-car-insurance-group-rating.md"
    },
    {
      "kind": "answer",
      "title": "What is flexi-access drawdown?",
      "html": "https://moneyguide.org.uk/answers/what-is-flexi-access-drawdown/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-flexi-access-drawdown.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-flexi-access-drawdown.md"
    },
    {
      "kind": "answer",
      "title": "What is pension crystallisation?",
      "html": "https://moneyguide.org.uk/answers/what-is-pension-crystallisation/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pension-crystallisation.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pension-crystallisation.md"
    },
    {
      "kind": "answer",
      "title": "What is UFPLS on a pension?",
      "html": "https://moneyguide.org.uk/answers/what-is-ufpls-pension/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-ufpls-pension.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-ufpls-pension.md"
    },
    {
      "kind": "answer",
      "title": "What is a sustainable pension withdrawal rate?",
      "html": "https://moneyguide.org.uk/answers/what-is-sustainable-pension-withdrawal-rate/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-sustainable-pension-withdrawal-rate.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-sustainable-pension-withdrawal-rate.md"
    },
    {
      "kind": "answer",
      "title": "What is sequence of returns risk in drawdown?",
      "html": "https://moneyguide.org.uk/answers/what-is-sequence-of-returns-risk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-sequence-of-returns-risk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-sequence-of-returns-risk.md"
    },
    {
      "kind": "answer",
      "title": "How is pension drawdown taxed?",
      "html": "https://moneyguide.org.uk/answers/how-is-pension-drawdown-taxed/",
      "markdown": "https://moneyguide.org.uk/answers/how-is-pension-drawdown-taxed.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-is-pension-drawdown-taxed.md"
    },
    {
      "kind": "answer",
      "title": "What is the open market option for annuities?",
      "html": "https://moneyguide.org.uk/answers/what-is-open-market-option-annuity/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-open-market-option-annuity.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-open-market-option-annuity.md"
    },
    {
      "kind": "answer",
      "title": "What is an enhanced annuity?",
      "html": "https://moneyguide.org.uk/answers/what-is-enhanced-annuity/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-enhanced-annuity.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-enhanced-annuity.md"
    },
    {
      "kind": "answer",
      "title": "What is an inflation-linked annuity?",
      "html": "https://moneyguide.org.uk/answers/what-is-inflation-linked-annuity/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-inflation-linked-annuity.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-inflation-linked-annuity.md"
    },
    {
      "kind": "answer",
      "title": "When should I buy a pension annuity?",
      "html": "https://moneyguide.org.uk/answers/when-should-i-buy-pension-annuity/",
      "markdown": "https://moneyguide.org.uk/answers/when-should-i-buy-pension-annuity.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-should-i-buy-pension-annuity.md"
    },
    {
      "kind": "answer",
      "title": "What triggers the Money Purchase Annual Allowance?",
      "html": "https://moneyguide.org.uk/answers/what-triggers-money-purchase-annual-allowance/",
      "markdown": "https://moneyguide.org.uk/answers/what-triggers-money-purchase-annual-allowance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-triggers-money-purchase-annual-allowance.md"
    },
    {
      "kind": "answer",
      "title": "What is a multi-car insurance policy?",
      "html": "https://moneyguide.org.uk/answers/what-is-multi-car-insurance-policy/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-multi-car-insurance-policy.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-multi-car-insurance-policy.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare pet insurance in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-pet-insurance-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-pet-insurance-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-pet-insurance-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is lifetime pet insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-lifetime-pet-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-lifetime-pet-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-lifetime-pet-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is pet insurance excess?",
      "html": "https://moneyguide.org.uk/answers/what-is-pet-insurance-excess/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pet-insurance-excess.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pet-insurance-excess.md"
    },
    {
      "kind": "answer",
      "title": "What are pre-existing conditions on pet insurance?",
      "html": "https://moneyguide.org.uk/answers/what-are-pet-insurance-pre-existing-conditions/",
      "markdown": "https://moneyguide.org.uk/answers/what-are-pet-insurance-pre-existing-conditions.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-are-pet-insurance-pre-existing-conditions.md"
    },
    {
      "kind": "answer",
      "title": "Is pet insurance worth it in the UK?",
      "html": "https://moneyguide.org.uk/answers/is-pet-insurance-worth-it-uk/",
      "markdown": "https://moneyguide.org.uk/answers/is-pet-insurance-worth-it-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/is-pet-insurance-worth-it-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is Welsh income tax?",
      "html": "https://moneyguide.org.uk/answers/what-is-welsh-income-tax/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-welsh-income-tax.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-welsh-income-tax.md"
    },
    {
      "kind": "answer",
      "title": "Who is a Welsh taxpayer?",
      "html": "https://moneyguide.org.uk/answers/who-is-a-welsh-taxpayer/",
      "markdown": "https://moneyguide.org.uk/answers/who-is-a-welsh-taxpayer.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-is-a-welsh-taxpayer.md"
    },
    {
      "kind": "answer",
      "title": "Do Welsh income tax rates differ from England?",
      "html": "https://moneyguide.org.uk/answers/do-welsh-income-tax-rates-differ-from-england/",
      "markdown": "https://moneyguide.org.uk/answers/do-welsh-income-tax-rates-differ-from-england.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-welsh-income-tax-rates-differ-from-england.md"
    },
    {
      "kind": "answer",
      "title": "What is sequestration in Scotland?",
      "html": "https://moneyguide.org.uk/answers/what-is-sequestration-scotland/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-sequestration-scotland.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-sequestration-scotland.md"
    },
    {
      "kind": "answer",
      "title": "What is MAP sequestration in Scotland?",
      "html": "https://moneyguide.org.uk/answers/what-is-map-sequestration-scotland/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-map-sequestration-scotland.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-map-sequestration-scotland.md"
    },
    {
      "kind": "answer",
      "title": "What is a protected trust deed in Scotland?",
      "html": "https://moneyguide.org.uk/answers/what-is-protected-trust-deed-scotland/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-protected-trust-deed-scotland.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-protected-trust-deed-scotland.md"
    },
    {
      "kind": "answer",
      "title": "What is Scottish Child Payment?",
      "html": "https://moneyguide.org.uk/answers/what-is-scottish-child-payment/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-scottish-child-payment.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-scottish-child-payment.md"
    },
    {
      "kind": "answer",
      "title": "What is Winter Heating Payment in Scotland?",
      "html": "https://moneyguide.org.uk/answers/what-is-winter-heating-payment-scotland/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-winter-heating-payment-scotland.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-winter-heating-payment-scotland.md"
    },
    {
      "kind": "answer",
      "title": "What is Best Start Grant in Scotland?",
      "html": "https://moneyguide.org.uk/answers/what-is-best-start-grant-scotland/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-best-start-grant-scotland.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-best-start-grant-scotland.md"
    },
    {
      "kind": "answer",
      "title": "What is the Discretionary Assistance Fund in Wales?",
      "html": "https://moneyguide.org.uk/answers/what-is-discretionary-assistance-fund-wales/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-discretionary-assistance-fund-wales.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-discretionary-assistance-fund-wales.md"
    },
    {
      "kind": "answer",
      "title": "How do I apply for Council Tax Reduction in Wales?",
      "html": "https://moneyguide.org.uk/answers/how-to-apply-council-tax-reduction-wales/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-apply-council-tax-reduction-wales.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-apply-council-tax-reduction-wales.md"
    },
    {
      "kind": "answer",
      "title": "What is a pet insurance co-payment?",
      "html": "https://moneyguide.org.uk/answers/what-is-pet-insurance-co-payment/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pet-insurance-co-payment.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pet-insurance-co-payment.md"
    },
    {
      "kind": "answer",
      "title": "What is a pet insurance waiting period?",
      "html": "https://moneyguide.org.uk/answers/what-is-pet-insurance-waiting-period/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pet-insurance-waiting-period.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pet-insurance-waiting-period.md"
    },
    {
      "kind": "answer",
      "title": "Can I switch pet insurance after a claim?",
      "html": "https://moneyguide.org.uk/answers/can-i-switch-pet-insurance-after-a-claim/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-switch-pet-insurance-after-a-claim.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-switch-pet-insurance-after-a-claim.md"
    },
    {
      "kind": "answer",
      "title": "What are the best savings rates in July 2026?",
      "html": "https://moneyguide.org.uk/answers/what-are-best-savings-rates-july-2026/",
      "markdown": "https://moneyguide.org.uk/answers/what-are-best-savings-rates-july-2026.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-are-best-savings-rates-july-2026.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare credit cards in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-credit-cards-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-credit-cards-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-credit-cards-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is representative APR on a credit card?",
      "html": "https://moneyguide.org.uk/answers/what-is-credit-card-representative-apr/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-credit-card-representative-apr.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-credit-card-representative-apr.md"
    },
    {
      "kind": "answer",
      "title": "What is a 0% purchase credit card?",
      "html": "https://moneyguide.org.uk/answers/what-is-0-percent-purchase-credit-card/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-0-percent-purchase-credit-card.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-0-percent-purchase-credit-card.md"
    },
    {
      "kind": "answer",
      "title": "What is credit card cashback and rewards?",
      "html": "https://moneyguide.org.uk/answers/what-is-credit-card-cashback-and-rewards/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-credit-card-cashback-and-rewards.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-credit-card-cashback-and-rewards.md"
    },
    {
      "kind": "answer",
      "title": "When should I use a credit card instead of a debit card?",
      "html": "https://moneyguide.org.uk/answers/when-to-use-credit-card-vs-debit-card/",
      "markdown": "https://moneyguide.org.uk/answers/when-to-use-credit-card-vs-debit-card.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-to-use-credit-card-vs-debit-card.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare broadband deals in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-broadband-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-broadband-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-broadband-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is full fibre broadband (FTTP)?",
      "html": "https://moneyguide.org.uk/answers/what-is-full-fibre-broadband-fttp/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-full-fibre-broadband-fttp.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-full-fibre-broadband-fttp.md"
    },
    {
      "kind": "answer",
      "title": "What is a broadband early termination fee?",
      "html": "https://moneyguide.org.uk/answers/what-is-broadband-early-termination-fee/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-broadband-early-termination-fee.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-broadband-early-termination-fee.md"
    },
    {
      "kind": "answer",
      "title": "What is guaranteed minimum broadband speed?",
      "html": "https://moneyguide.org.uk/answers/what-is-guaranteed-broadband-speed-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-guaranteed-broadband-speed-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-guaranteed-broadband-speed-uk.md"
    },
    {
      "kind": "answer",
      "title": "Who can claim Child Benefit in the UK?",
      "html": "https://moneyguide.org.uk/answers/who-can-claim-child-benefit-uk/",
      "markdown": "https://moneyguide.org.uk/answers/who-can-claim-child-benefit-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-can-claim-child-benefit-uk.md"
    },
    {
      "kind": "answer",
      "title": "How do I apply for Child Benefit?",
      "html": "https://moneyguide.org.uk/answers/how-to-apply-for-child-benefit/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-apply-for-child-benefit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-apply-for-child-benefit.md"
    },
    {
      "kind": "answer",
      "title": "What are Child Benefit National Insurance credits?",
      "html": "https://moneyguide.org.uk/answers/what-are-child-benefit-ni-credits/",
      "markdown": "https://moneyguide.org.uk/answers/what-are-child-benefit-ni-credits.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-are-child-benefit-ni-credits.md"
    },
    {
      "kind": "answer",
      "title": "Should I opt out of Child Benefit because of HICBC?",
      "html": "https://moneyguide.org.uk/answers/should-i-opt-out-of-child-benefit-hicbc/",
      "markdown": "https://moneyguide.org.uk/answers/should-i-opt-out-of-child-benefit-hicbc.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/should-i-opt-out-of-child-benefit-hicbc.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare income protection insurance in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-income-protection-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-income-protection-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-income-protection-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is income protection insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-income-protection-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-income-protection-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-income-protection-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is own occupation income protection?",
      "html": "https://moneyguide.org.uk/answers/what-is-own-occupation-income-protection/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-own-occupation-income-protection.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-own-occupation-income-protection.md"
    },
    {
      "kind": "answer",
      "title": "Are heat pumps worth it in the UK?",
      "html": "https://moneyguide.org.uk/answers/are-heat-pumps-worth-it-uk/",
      "markdown": "https://moneyguide.org.uk/answers/are-heat-pumps-worth-it-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/are-heat-pumps-worth-it-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is the Boiler Upgrade Scheme?",
      "html": "https://moneyguide.org.uk/answers/what-is-boiler-upgrade-scheme/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-boiler-upgrade-scheme.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-boiler-upgrade-scheme.md"
    },
    {
      "kind": "answer",
      "title": "How much does a heat pump cost in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-much-does-heat-pump-cost-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-does-heat-pump-cost-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-does-heat-pump-cost-uk.md"
    },
    {
      "kind": "answer",
      "title": "How do I claim on home insurance?",
      "html": "https://moneyguide.org.uk/answers/how-to-claim-on-home-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-claim-on-home-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-claim-on-home-insurance.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare mobile phone deals in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-mobile-phone-deals-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-mobile-phone-deals-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-mobile-phone-deals-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is the difference between SIM-only and a phone contract?",
      "html": "https://moneyguide.org.uk/answers/sim-only-vs-phone-contract-uk/",
      "markdown": "https://moneyguide.org.uk/answers/sim-only-vs-phone-contract-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/sim-only-vs-phone-contract-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is a PAC code for switching mobile?",
      "html": "https://moneyguide.org.uk/answers/what-is-pac-code-mobile/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pac-code-mobile.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pac-code-mobile.md"
    },
    {
      "kind": "answer",
      "title": "How much mobile data do I need?",
      "html": "https://moneyguide.org.uk/answers/how-much-mobile-data-do-i-need/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-mobile-data-do-i-need.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-mobile-data-do-i-need.md"
    },
    {
      "kind": "answer",
      "title": "What is a GHIC card?",
      "html": "https://moneyguide.org.uk/answers/what-is-ghic-card/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-ghic-card.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-ghic-card.md"
    },
    {
      "kind": "answer",
      "title": "What is the difference between GHIC and EHIC?",
      "html": "https://moneyguide.org.uk/answers/ghic-vs-ehic-difference/",
      "markdown": "https://moneyguide.org.uk/answers/ghic-vs-ehic-difference.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/ghic-vs-ehic-difference.md"
    },
    {
      "kind": "answer",
      "title": "Does GHIC replace travel insurance?",
      "html": "https://moneyguide.org.uk/answers/does-ghic-replace-travel-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/does-ghic-replace-travel-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/does-ghic-replace-travel-insurance.md"
    },
    {
      "kind": "answer",
      "title": "How do I apply for a GHIC card free?",
      "html": "https://moneyguide.org.uk/answers/how-to-apply-for-ghic-free/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-apply-for-ghic-free.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-apply-for-ghic-free.md"
    },
    {
      "kind": "answer",
      "title": "When is an NHS prepayment certificate worth it?",
      "html": "https://moneyguide.org.uk/answers/when-is-nhs-prepayment-certificate-worth-it/",
      "markdown": "https://moneyguide.org.uk/answers/when-is-nhs-prepayment-certificate-worth-it.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-is-nhs-prepayment-certificate-worth-it.md"
    },
    {
      "kind": "answer",
      "title": "What is the NHS Low Income Scheme?",
      "html": "https://moneyguide.org.uk/answers/what-is-nhs-low-income-scheme/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-nhs-low-income-scheme.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-nhs-low-income-scheme.md"
    },
    {
      "kind": "answer",
      "title": "Are NHS prescriptions free in Wales?",
      "html": "https://moneyguide.org.uk/answers/are-nhs-prescriptions-free-in-wales/",
      "markdown": "https://moneyguide.org.uk/answers/are-nhs-prescriptions-free-in-wales.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/are-nhs-prescriptions-free-in-wales.md"
    },
    {
      "kind": "answer",
      "title": "How are finances split in a UK divorce?",
      "html": "https://moneyguide.org.uk/answers/how-are-finances-split-in-divorce-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-are-finances-split-in-divorce-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-are-finances-split-in-divorce-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is a pension sharing order in divorce?",
      "html": "https://moneyguide.org.uk/answers/what-is-pension-sharing-order-divorce/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-pension-sharing-order-divorce.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-pension-sharing-order-divorce.md"
    },
    {
      "kind": "answer",
      "title": "What is a MIAM before divorce?",
      "html": "https://moneyguide.org.uk/answers/what-is-miams-divorce/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-miams-divorce.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-miams-divorce.md"
    },
    {
      "kind": "answer",
      "title": "What is a clean break order in divorce?",
      "html": "https://moneyguide.org.uk/answers/what-is-clean-break-order-divorce/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-clean-break-order-divorce.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-clean-break-order-divorce.md"
    },
    {
      "kind": "answer",
      "title": "When does State Pension age rise to 67?",
      "html": "https://moneyguide.org.uk/answers/when-does-state-pension-age-rise-to-67/",
      "markdown": "https://moneyguide.org.uk/answers/when-does-state-pension-age-rise-to-67.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-does-state-pension-age-rise-to-67.md"
    },
    {
      "kind": "answer",
      "title": "How do I check my State Pension age?",
      "html": "https://moneyguide.org.uk/answers/how-do-i-check-my-state-pension-age/",
      "markdown": "https://moneyguide.org.uk/answers/how-do-i-check-my-state-pension-age.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-do-i-check-my-state-pension-age.md"
    },
    {
      "kind": "answer",
      "title": "What is boiler cover insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-boiler-cover-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-boiler-cover-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-boiler-cover-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is Rate Rebate in Northern Ireland?",
      "html": "https://moneyguide.org.uk/answers/what-is-rate-rebate-northern-ireland/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-rate-rebate-northern-ireland.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-rate-rebate-northern-ireland.md"
    },
    {
      "kind": "answer",
      "title": "What are domestic rates in Northern Ireland?",
      "html": "https://moneyguide.org.uk/answers/what-is-northern-ireland-domestic-rates/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-northern-ireland-domestic-rates.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-northern-ireland-domestic-rates.md"
    },
    {
      "kind": "answer",
      "title": "What is a retirement interest-only (RIO) mortgage?",
      "html": "https://moneyguide.org.uk/answers/what-is-rio-mortgage-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-rio-mortgage-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-rio-mortgage-uk.md"
    },
    {
      "kind": "answer",
      "title": "Is equity release or downsizing cheaper?",
      "html": "https://moneyguide.org.uk/answers/equity-release-vs-downsizing/",
      "markdown": "https://moneyguide.org.uk/answers/equity-release-vs-downsizing.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/equity-release-vs-downsizing.md"
    },
    {
      "kind": "answer",
      "title": "What is inheritance protection on equity release?",
      "html": "https://moneyguide.org.uk/answers/what-is-inheritance-protection-equity-release/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-inheritance-protection-equity-release.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-inheritance-protection-equity-release.md"
    },
    {
      "kind": "answer",
      "title": "Does equity release affect benefits?",
      "html": "https://moneyguide.org.uk/answers/does-equity-release-affect-benefits/",
      "markdown": "https://moneyguide.org.uk/answers/does-equity-release-affect-benefits.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/does-equity-release-affect-benefits.md"
    },
    {
      "kind": "answer",
      "title": "What insurance does a landlord need in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-insurance-does-landlord-need-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-insurance-does-landlord-need-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-insurance-does-landlord-need-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is the difference between landlord buildings and contents insurance?",
      "html": "https://moneyguide.org.uk/answers/landlord-buildings-vs-contents-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/landlord-buildings-vs-contents-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/landlord-buildings-vs-contents-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is rent guarantee insurance for landlords?",
      "html": "https://moneyguide.org.uk/answers/what-is-rent-guarantee-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-rent-guarantee-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-rent-guarantee-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What does landlord liability insurance cover?",
      "html": "https://moneyguide.org.uk/answers/landlord-liability-insurance-explained/",
      "markdown": "https://moneyguide.org.uk/answers/landlord-liability-insurance-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/landlord-liability-insurance-explained.md"
    },
    {
      "kind": "answer",
      "title": "How does the Lifetime ISA 25% withdrawal penalty work?",
      "html": "https://moneyguide.org.uk/answers/how-does-lisa-25-percent-penalty-work/",
      "markdown": "https://moneyguide.org.uk/answers/how-does-lisa-25-percent-penalty-work.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-does-lisa-25-percent-penalty-work.md"
    },
    {
      "kind": "answer",
      "title": "How do I use a Lifetime ISA to buy my first home?",
      "html": "https://moneyguide.org.uk/answers/how-to-use-lisa-to-buy-first-home/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-use-lisa-to-buy-first-home.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-use-lisa-to-buy-first-home.md"
    },
    {
      "kind": "answer",
      "title": "Can I withdraw a Lifetime ISA if I am terminally ill?",
      "html": "https://moneyguide.org.uk/answers/lisa-terminal-illness-withdrawal-rules/",
      "markdown": "https://moneyguide.org.uk/answers/lisa-terminal-illness-withdrawal-rules.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/lisa-terminal-illness-withdrawal-rules.md"
    },
    {
      "kind": "answer",
      "title": "What happens to a Lifetime ISA when someone dies?",
      "html": "https://moneyguide.org.uk/answers/what-happens-to-lifetime-isa-on-death/",
      "markdown": "https://moneyguide.org.uk/answers/what-happens-to-lifetime-isa-on-death.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-happens-to-lifetime-isa-on-death.md"
    },
    {
      "kind": "answer",
      "title": "How are domestic rates calculated in Northern Ireland?",
      "html": "https://moneyguide.org.uk/answers/how-are-ni-domestic-rates-calculated/",
      "markdown": "https://moneyguide.org.uk/answers/how-are-ni-domestic-rates-calculated.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-are-ni-domestic-rates-calculated.md"
    },
    {
      "kind": "answer",
      "title": "Who qualifies for Rate Rebate in Northern Ireland?",
      "html": "https://moneyguide.org.uk/answers/who-qualifies-for-rate-rebate-ni/",
      "markdown": "https://moneyguide.org.uk/answers/who-qualifies-for-rate-rebate-ni.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/who-qualifies-for-rate-rebate-ni.md"
    },
    {
      "kind": "answer",
      "title": "What is disabled person's allowance for Northern Ireland rates?",
      "html": "https://moneyguide.org.uk/answers/northern-ireland-disabled-rate-relief/",
      "markdown": "https://moneyguide.org.uk/answers/northern-ireland-disabled-rate-relief.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/northern-ireland-disabled-rate-relief.md"
    },
    {
      "kind": "answer",
      "title": "What is the Northern Ireland rates deferral scheme?",
      "html": "https://moneyguide.org.uk/answers/northern-ireland-rate-deferral-scheme/",
      "markdown": "https://moneyguide.org.uk/answers/northern-ireland-rate-deferral-scheme.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/northern-ireland-rate-deferral-scheme.md"
    },
    {
      "kind": "answer",
      "title": "How can I cut water bills if I have a meter?",
      "html": "https://moneyguide.org.uk/answers/how-to-cut-water-bills-metered/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-cut-water-bills-metered.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-cut-water-bills-metered.md"
    },
    {
      "kind": "answer",
      "title": "Is a water meter worth it in the UK?",
      "html": "https://moneyguide.org.uk/answers/is-water-meter-worth-it-uk/",
      "markdown": "https://moneyguide.org.uk/answers/is-water-meter-worth-it-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/is-water-meter-worth-it-uk.md"
    },
    {
      "kind": "answer",
      "title": "What are safeguarded pension benefits?",
      "html": "https://moneyguide.org.uk/answers/what-are-safeguarded-pension-benefits/",
      "markdown": "https://moneyguide.org.uk/answers/what-are-safeguarded-pension-benefits.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-are-safeguarded-pension-benefits.md"
    },
    {
      "kind": "answer",
      "title": "How do I find a lost pension in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-use-pension-tracing-service/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-use-pension-tracing-service.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-use-pension-tracing-service.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare travel insurance in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-travel-insurance-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-travel-insurance-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-travel-insurance-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is the difference between single-trip and annual travel insurance?",
      "html": "https://moneyguide.org.uk/answers/single-trip-vs-annual-travel-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/single-trip-vs-annual-travel-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/single-trip-vs-annual-travel-insurance.md"
    },
    {
      "kind": "answer",
      "title": "How much medical cover do I need on travel insurance?",
      "html": "https://moneyguide.org.uk/answers/what-medical-cover-travel-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-medical-cover-travel-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-medical-cover-travel-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is travel insurance excess?",
      "html": "https://moneyguide.org.uk/answers/what-is-travel-insurance-excess/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-travel-insurance-excess.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-travel-insurance-excess.md"
    },
    {
      "kind": "answer",
      "title": "Does travel insurance cover cancellation?",
      "html": "https://moneyguide.org.uk/answers/does-travel-insurance-cover-cancellation/",
      "markdown": "https://moneyguide.org.uk/answers/does-travel-insurance-cover-cancellation.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/does-travel-insurance-cover-cancellation.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare energy tariffs in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-energy-tariffs-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-energy-tariffs-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-energy-tariffs-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is the difference between fixed and variable energy tariffs?",
      "html": "https://moneyguide.org.uk/answers/fixed-vs-variable-energy-tariff-uk/",
      "markdown": "https://moneyguide.org.uk/answers/fixed-vs-variable-energy-tariff-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/fixed-vs-variable-energy-tariff-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is a dual fuel energy tariff?",
      "html": "https://moneyguide.org.uk/answers/what-is-dual-fuel-energy-tariff/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-dual-fuel-energy-tariff.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-dual-fuel-energy-tariff.md"
    },
    {
      "kind": "answer",
      "title": "What are energy tariff exit fees?",
      "html": "https://moneyguide.org.uk/answers/what-are-energy-exit-fees/",
      "markdown": "https://moneyguide.org.uk/answers/what-are-energy-exit-fees.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-are-energy-exit-fees.md"
    },
    {
      "kind": "answer",
      "title": "Is a green energy tariff worth it?",
      "html": "https://moneyguide.org.uk/answers/is-green-energy-tariff-worth-it/",
      "markdown": "https://moneyguide.org.uk/answers/is-green-energy-tariff-worth-it.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/is-green-energy-tariff-worth-it.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare personal loans in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-personal-loans-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-personal-loans-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-personal-loans-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is representative APR on a personal loan?",
      "html": "https://moneyguide.org.uk/answers/what-is-personal-loan-representative-apr/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-personal-loan-representative-apr.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-personal-loan-representative-apr.md"
    },
    {
      "kind": "answer",
      "title": "Can I check loan eligibility without affecting my credit score?",
      "html": "https://moneyguide.org.uk/answers/can-i-check-loan-eligibility-soft-search/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-check-loan-eligibility-soft-search.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-check-loan-eligibility-soft-search.md"
    },
    {
      "kind": "answer",
      "title": "What is the difference between secured and unsecured loans?",
      "html": "https://moneyguide.org.uk/answers/secured-vs-unsecured-personal-loan/",
      "markdown": "https://moneyguide.org.uk/answers/secured-vs-unsecured-personal-loan.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/secured-vs-unsecured-personal-loan.md"
    },
    {
      "kind": "answer",
      "title": "Can I repay a personal loan early?",
      "html": "https://moneyguide.org.uk/answers/personal-loan-early-repayment-charges/",
      "markdown": "https://moneyguide.org.uk/answers/personal-loan-early-repayment-charges.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/personal-loan-early-repayment-charges.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare mortgage deals in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-mortgage-deals-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-mortgage-deals-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-mortgage-deals-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is mortgage APRC?",
      "html": "https://moneyguide.org.uk/answers/what-is-mortgage-aprc/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-mortgage-aprc.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-mortgage-aprc.md"
    },
    {
      "kind": "answer",
      "title": "Are mortgage arrangement fees worth paying?",
      "html": "https://moneyguide.org.uk/answers/are-mortgage-arrangement-fees-worth-it/",
      "markdown": "https://moneyguide.org.uk/answers/are-mortgage-arrangement-fees-worth-it.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/are-mortgage-arrangement-fees-worth-it.md"
    },
    {
      "kind": "answer",
      "title": "Should I remortgage or product transfer?",
      "html": "https://moneyguide.org.uk/answers/remortgage-vs-product-transfer-uk/",
      "markdown": "https://moneyguide.org.uk/answers/remortgage-vs-product-transfer-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/remortgage-vs-product-transfer-uk.md"
    },
    {
      "kind": "answer",
      "title": "What insurance does a van need in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-insurance-does-van-need-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-insurance-does-van-need-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-insurance-does-van-need-uk.md"
    },
    {
      "kind": "answer",
      "title": "What is the difference between private and commercial van insurance?",
      "html": "https://moneyguide.org.uk/answers/private-van-vs-commercial-van-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/private-van-vs-commercial-van-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/private-van-vs-commercial-van-insurance.md"
    },
    {
      "kind": "answer",
      "title": "Does van insurance cover tools?",
      "html": "https://moneyguide.org.uk/answers/van-insurance-tools-cover/",
      "markdown": "https://moneyguide.org.uk/answers/van-insurance-tools-cover.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/van-insurance-tools-cover.md"
    },
    {
      "kind": "answer",
      "title": "What is hire and reward van insurance?",
      "html": "https://moneyguide.org.uk/answers/courier-van-insurance-hire-reward/",
      "markdown": "https://moneyguide.org.uk/answers/courier-van-insurance-hire-reward.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/courier-van-insurance-hire-reward.md"
    },
    {
      "kind": "answer",
      "title": "Can I transfer no claims bonus to a van?",
      "html": "https://moneyguide.org.uk/answers/van-no-claims-bonus-transfer/",
      "markdown": "https://moneyguide.org.uk/answers/van-no-claims-bonus-transfer.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/van-no-claims-bonus-transfer.md"
    },
    {
      "kind": "answer",
      "title": "What is multi-van fleet insurance?",
      "html": "https://moneyguide.org.uk/answers/multi-van-fleet-insurance-basics/",
      "markdown": "https://moneyguide.org.uk/answers/multi-van-fleet-insurance-basics.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/multi-van-fleet-insurance-basics.md"
    },
    {
      "kind": "answer",
      "title": "What is van insurance excess?",
      "html": "https://moneyguide.org.uk/answers/van-insurance-excess-explained/",
      "markdown": "https://moneyguide.org.uk/answers/van-insurance-excess-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/van-insurance-excess-explained.md"
    },
    {
      "kind": "answer",
      "title": "What insurance does a motorbike need?",
      "html": "https://moneyguide.org.uk/answers/what-insurance-motorbike-need-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-insurance-motorbike-need-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-insurance-motorbike-need-uk.md"
    },
    {
      "kind": "answer",
      "title": "Comprehensive vs third-party fire and theft motorbike?",
      "html": "https://moneyguide.org.uk/answers/comprehensive-vs-tpft-motorbike/",
      "markdown": "https://moneyguide.org.uk/answers/comprehensive-vs-tpft-motorbike.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/comprehensive-vs-tpft-motorbike.md"
    },
    {
      "kind": "answer",
      "title": "Can I insure a motorbike over winter lay-up?",
      "html": "https://moneyguide.org.uk/answers/motorbike-winter-lay-up-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/motorbike-winter-lay-up-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/motorbike-winter-lay-up-insurance.md"
    },
    {
      "kind": "answer",
      "title": "Does motorbike insurance cover pillion passengers?",
      "html": "https://moneyguide.org.uk/answers/motorbike-pillion-cover/",
      "markdown": "https://moneyguide.org.uk/answers/motorbike-pillion-cover.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/motorbike-pillion-cover.md"
    },
    {
      "kind": "answer",
      "title": "Do motorbike modifications affect insurance?",
      "html": "https://moneyguide.org.uk/answers/motorbike-modifications-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/motorbike-modifications-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/motorbike-modifications-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is multi-bike insurance?",
      "html": "https://moneyguide.org.uk/answers/multi-bike-insurance-policy/",
      "markdown": "https://moneyguide.org.uk/answers/multi-bike-insurance-policy.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/multi-bike-insurance-policy.md"
    },
    {
      "kind": "answer",
      "title": "How does security reduce motorbike insurance?",
      "html": "https://moneyguide.org.uk/answers/motorbike-theft-prevention-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/motorbike-theft-prevention-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/motorbike-theft-prevention-insurance.md"
    },
    {
      "kind": "answer",
      "title": "Are electric cars more expensive to insure?",
      "html": "https://moneyguide.org.uk/answers/are-electric-cars-expensive-to-insure/",
      "markdown": "https://moneyguide.org.uk/answers/are-electric-cars-expensive-to-insure.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/are-electric-cars-expensive-to-insure.md"
    },
    {
      "kind": "answer",
      "title": "Does car insurance cover EV batteries?",
      "html": "https://moneyguide.org.uk/answers/ev-battery-insurance-cover/",
      "markdown": "https://moneyguide.org.uk/answers/ev-battery-insurance-cover.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/ev-battery-insurance-cover.md"
    },
    {
      "kind": "answer",
      "title": "Am I liable if someone trips on my EV charging cable?",
      "html": "https://moneyguide.org.uk/answers/home-ev-charging-liability-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/home-ev-charging-liability-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/home-ev-charging-liability-insurance.md"
    },
    {
      "kind": "answer",
      "title": "Specialist EV insurance vs standard policy?",
      "html": "https://moneyguide.org.uk/answers/ev-insurance-specialist-vs-standard/",
      "markdown": "https://moneyguide.org.uk/answers/ev-insurance-specialist-vs-standard.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/ev-insurance-specialist-vs-standard.md"
    },
    {
      "kind": "answer",
      "title": "Is EV charging cable theft covered?",
      "html": "https://moneyguide.org.uk/answers/charging-cable-theft-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/charging-cable-theft-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/charging-cable-theft-insurance.md"
    },
    {
      "kind": "answer",
      "title": "Does mileage affect EV insurance?",
      "html": "https://moneyguide.org.uk/answers/ev-insurance-mileage-declaration/",
      "markdown": "https://moneyguide.org.uk/answers/ev-insurance-mileage-declaration.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/ev-insurance-mileage-declaration.md"
    },
    {
      "kind": "answer",
      "title": "What is over-50s life insurance?",
      "html": "https://moneyguide.org.uk/answers/what-is-over-50s-life-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-over-50s-life-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-over-50s-life-insurance.md"
    },
    {
      "kind": "answer",
      "title": "Is over-50s life insurance better than term insurance?",
      "html": "https://moneyguide.org.uk/answers/over-50s-life-vs-term-insurance/",
      "markdown": "https://moneyguide.org.uk/answers/over-50s-life-vs-term-insurance.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/over-50s-life-vs-term-insurance.md"
    },
    {
      "kind": "answer",
      "title": "What is the waiting period on over-50s life insurance?",
      "html": "https://moneyguide.org.uk/answers/over-50s-life-waiting-period/",
      "markdown": "https://moneyguide.org.uk/answers/over-50s-life-waiting-period.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/over-50s-life-waiting-period.md"
    },
    {
      "kind": "answer",
      "title": "Can I pay more in over-50s premiums than the payout?",
      "html": "https://moneyguide.org.uk/answers/over-50s-life-premiums-vs-payout/",
      "markdown": "https://moneyguide.org.uk/answers/over-50s-life-premiums-vs-payout.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/over-50s-life-premiums-vs-payout.md"
    },
    {
      "kind": "answer",
      "title": "Should I put over-50s life insurance in trust?",
      "html": "https://moneyguide.org.uk/answers/over-50s-life-insurance-in-trust/",
      "markdown": "https://moneyguide.org.uk/answers/over-50s-life-insurance-in-trust.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/over-50s-life-insurance-in-trust.md"
    },
    {
      "kind": "answer",
      "title": "Is a funeral plan or over-50s life insurance better?",
      "html": "https://moneyguide.org.uk/answers/funeral-plan-vs-over-50s-life/",
      "markdown": "https://moneyguide.org.uk/answers/funeral-plan-vs-over-50s-life.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/funeral-plan-vs-over-50s-life.md"
    },
    {
      "kind": "answer",
      "title": "Does over-50s life insurance affect means-tested benefits?",
      "html": "https://moneyguide.org.uk/answers/over-50s-life-means-tested-benefits/",
      "markdown": "https://moneyguide.org.uk/answers/over-50s-life-means-tested-benefits.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/over-50s-life-means-tested-benefits.md"
    },
    {
      "kind": "answer",
      "title": "What is a business energy contract?",
      "html": "https://moneyguide.org.uk/answers/what-is-business-energy-contract/",
      "markdown": "https://moneyguide.org.uk/answers/what-is-business-energy-contract.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-is-business-energy-contract.md"
    },
    {
      "kind": "answer",
      "title": "What VAT rate applies to business energy?",
      "html": "https://moneyguide.org.uk/answers/business-energy-vat-rate-uk/",
      "markdown": "https://moneyguide.org.uk/answers/business-energy-vat-rate-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/business-energy-vat-rate-uk.md"
    },
    {
      "kind": "answer",
      "title": "What protections do micro-businesses have on energy?",
      "html": "https://moneyguide.org.uk/answers/micro-business-energy-protections/",
      "markdown": "https://moneyguide.org.uk/answers/micro-business-energy-protections.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/micro-business-energy-protections.md"
    },
    {
      "kind": "answer",
      "title": "What are deemed business energy rates?",
      "html": "https://moneyguide.org.uk/answers/business-energy-deemed-rates/",
      "markdown": "https://moneyguide.org.uk/answers/business-energy-deemed-rates.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/business-energy-deemed-rates.md"
    },
    {
      "kind": "answer",
      "title": "How do I switch business energy supplier?",
      "html": "https://moneyguide.org.uk/answers/how-to-switch-business-energy/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-switch-business-energy.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-switch-business-energy.md"
    },
    {
      "kind": "answer",
      "title": "Should my business choose fixed or variable energy?",
      "html": "https://moneyguide.org.uk/answers/business-energy-fixed-vs-variable/",
      "markdown": "https://moneyguide.org.uk/answers/business-energy-fixed-vs-variable.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/business-energy-fixed-vs-variable.md"
    },
    {
      "kind": "answer",
      "title": "Can I use a business energy tariff when working from home?",
      "html": "https://moneyguide.org.uk/answers/home-working-business-energy-tariff/",
      "markdown": "https://moneyguide.org.uk/answers/home-working-business-energy-tariff.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/home-working-business-energy-tariff.md"
    },
    {
      "kind": "answer",
      "title": "How do I compare broadband and TV bundles?",
      "html": "https://moneyguide.org.uk/answers/how-to-compare-broadband-tv-bundles/",
      "markdown": "https://moneyguide.org.uk/answers/how-to-compare-broadband-tv-bundles.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-to-compare-broadband-tv-bundles.md"
    },
    {
      "kind": "answer",
      "title": "How do I calculate the total cost of a broadband TV bundle?",
      "html": "https://moneyguide.org.uk/answers/broadband-tv-bundle-total-cost/",
      "markdown": "https://moneyguide.org.uk/answers/broadband-tv-bundle-total-cost.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/broadband-tv-bundle-total-cost.md"
    },
    {
      "kind": "answer",
      "title": "Do I need TV with my broadband package?",
      "html": "https://moneyguide.org.uk/answers/do-i-need-tv-with-broadband/",
      "markdown": "https://moneyguide.org.uk/answers/do-i-need-tv-with-broadband.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-i-need-tv-with-broadband.md"
    },
    {
      "kind": "answer",
      "title": "What are broadband and TV exit fees?",
      "html": "https://moneyguide.org.uk/answers/broadband-tv-exit-fees-explained/",
      "markdown": "https://moneyguide.org.uk/answers/broadband-tv-exit-fees-explained.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/broadband-tv-exit-fees-explained.md"
    },
    {
      "kind": "answer",
      "title": "Is a sports package with broadband worth it?",
      "html": "https://moneyguide.org.uk/answers/sports-package-broadband-worth-it/",
      "markdown": "https://moneyguide.org.uk/answers/sports-package-broadband-worth-it.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/sports-package-broadband-worth-it.md"
    },
    {
      "kind": "answer",
      "title": "Should I choose full fibre or cable for a broadband TV bundle?",
      "html": "https://moneyguide.org.uk/answers/full-fibre-vs-cable-tv-bundle/",
      "markdown": "https://moneyguide.org.uk/answers/full-fibre-vs-cable-tv-bundle.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/full-fibre-vs-cable-tv-bundle.md"
    },
    {
      "kind": "answer",
      "title": "Do I need a deed poll to change my name in the UK?",
      "html": "https://moneyguide.org.uk/answers/do-i-need-a-deed-poll-uk/",
      "markdown": "https://moneyguide.org.uk/answers/do-i-need-a-deed-poll-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/do-i-need-a-deed-poll-uk.md"
    },
    {
      "kind": "answer",
      "title": "Does changing my name affect my will in the UK?",
      "html": "https://moneyguide.org.uk/answers/does-changing-my-name-affect-my-will/",
      "markdown": "https://moneyguide.org.uk/answers/does-changing-my-name-affect-my-will.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/does-changing-my-name-affect-my-will.md"
    },
    {
      "kind": "answer",
      "title": "How much does a deed poll cost in the UK?",
      "html": "https://moneyguide.org.uk/answers/how-much-does-a-deed-poll-cost-uk/",
      "markdown": "https://moneyguide.org.uk/answers/how-much-does-a-deed-poll-cost-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/how-much-does-a-deed-poll-cost-uk.md"
    },
    {
      "kind": "answer",
      "title": "Can I change my name while receiving Universal Credit or other benefits?",
      "html": "https://moneyguide.org.uk/answers/can-i-change-my-name-on-universal-credit/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-change-my-name-on-universal-credit.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-change-my-name-on-universal-credit.md"
    },
    {
      "kind": "answer",
      "title": "Can I change my child’s name by deed poll in the UK?",
      "html": "https://moneyguide.org.uk/answers/can-i-change-my-childs-name-by-deed-poll/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-change-my-childs-name-by-deed-poll.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-change-my-childs-name-by-deed-poll.md"
    },
    {
      "kind": "answer",
      "title": "Deed poll vs statutory declaration — which do I need to change my name?",
      "html": "https://moneyguide.org.uk/answers/deed-poll-vs-statutory-declaration-uk/",
      "markdown": "https://moneyguide.org.uk/answers/deed-poll-vs-statutory-declaration-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/deed-poll-vs-statutory-declaration-uk.md"
    },
    {
      "kind": "answer",
      "title": "How do I change my name in Scotland or Northern Ireland?",
      "html": "https://moneyguide.org.uk/answers/change-name-scotland-northern-ireland/",
      "markdown": "https://moneyguide.org.uk/answers/change-name-scotland-northern-ireland.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/change-name-scotland-northern-ireland.md"
    },
    {
      "kind": "answer",
      "title": "What names are allowed on a UK deed poll?",
      "html": "https://moneyguide.org.uk/answers/what-names-are-allowed-on-a-deed-poll/",
      "markdown": "https://moneyguide.org.uk/answers/what-names-are-allowed-on-a-deed-poll.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-names-are-allowed-on-a-deed-poll.md"
    },
    {
      "kind": "answer",
      "title": "Can I change my name by deed poll if I am transgender or non-binary?",
      "html": "https://moneyguide.org.uk/answers/transgender-name-change-deed-poll-uk/",
      "markdown": "https://moneyguide.org.uk/answers/transgender-name-change-deed-poll-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/transgender-name-change-deed-poll-uk.md"
    },
    {
      "kind": "answer",
      "title": "Can I change my name at 16 in the UK?",
      "html": "https://moneyguide.org.uk/answers/can-i-change-my-name-at-16-uk/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-change-my-name-at-16-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-change-my-name-at-16-uk.md"
    },
    {
      "kind": "answer",
      "title": "What does an executor of a will do in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-does-an-executor-do-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-does-an-executor-do-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-does-an-executor-do-uk.md"
    },
    {
      "kind": "answer",
      "title": "Does divorce cancel my will in the UK?",
      "html": "https://moneyguide.org.uk/answers/does-divorce-cancel-my-will-uk/",
      "markdown": "https://moneyguide.org.uk/answers/does-divorce-cancel-my-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/does-divorce-cancel-my-will-uk.md"
    },
    {
      "kind": "answer",
      "title": "When should I use a solicitor for a will instead of an online service?",
      "html": "https://moneyguide.org.uk/answers/when-should-i-use-a-solicitor-for-a-will/",
      "markdown": "https://moneyguide.org.uk/answers/when-should-i-use-a-solicitor-for-a-will.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/when-should-i-use-a-solicitor-for-a-will.md"
    },
    {
      "kind": "answer",
      "title": "Can I leave money to charity in my will?",
      "html": "https://moneyguide.org.uk/answers/can-i-leave-money-to-charity-in-my-will/",
      "markdown": "https://moneyguide.org.uk/answers/can-i-leave-money-to-charity-in-my-will.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/can-i-leave-money-to-charity-in-my-will.md"
    },
    {
      "kind": "answer",
      "title": "What should I include in a will in the UK?",
      "html": "https://moneyguide.org.uk/answers/what-should-i-include-in-a-will-uk/",
      "markdown": "https://moneyguide.org.uk/answers/what-should-i-include-in-a-will-uk.md",
      "api": "https://moneyguide.org.uk/api/guides/answers/what-should-i-include-in-a-will-uk.md"
    }
  ]
}