Author: Matt
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The £2,000 pension salary sacrifice cap: why car schemes now matter more
From 6 April 2029, only the first £2,000 an employee sacrifices into their pension each year will be free of National Insurance. Anything above that will attract employee NI and 15% employer NI. For many employers, that quietly removes one of the most reliable NI savings on the payroll. Electric car salary sacrifice is not…
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The workforce has changed. Has your benefits package?
Something has shifted in what people want from work. It’s not just salary. It’s not just flexibility. Increasingly, the people businesses most want to attract and retain care about who they work for — what the organisation stands for, how it treats people, and whether it takes its responsibilities to the wider world seriously. This…
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Five things every employer should know before setting up a salary sacrifice car scheme
Salary sacrifice car schemes can be excellent value for employers and employees alike. But they’re not something you should set up without understanding what’s involved. Here are five things worth knowing before you start. The saving is real — but it scales with take-up The employer benefit from salary sacrifice comes from reduced National Insurance.…
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The real cost of going electric in 2026 — and why it’s often less than people think
“Electric cars are too expensive.” It’s the most common objection we hear — and it’s increasingly out of date. The upfront price of EVs remains higher than equivalent petrol or diesel models in many cases. But the total cost of ownership — what it actually costs to run a car over three or four years…
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PCP vs PCH — what’s the difference, and which is right for you?
Personal Contract Purchase and Personal Contract Hire are the two most popular ways people in the UK finance a new car. From the outside they look similar — a deposit, monthly payments, and a car on your drive. But they work quite differently, and choosing the wrong one can cost you. Here’s a plain-English breakdown…
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The most powerful employee benefit – here’s why employers are taking notice
If you’re paying employer National Insurance on your entire salary bill, you’re leaving money on the table. Salary sacrifice car schemes are one of the few legitimate ways to reduce that bill — and in the current climate, more UK employers are paying close attention. Here’s a clear-eyed look at how it works, what it’s…