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The Martin Lewis Podcast

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Martin Lewis answers your financial questions, offering valuable money-saving tips.

Latest episodes

QUESTION TIME: Will payrise mean I lose child benefit? I’m on tracker mortgage should I fix? How do I become you?

Martin Lewis is back with another bumper listener Q&A, tackling everything from Child Benefit and consumer rights to career advice and mortgage strategy. He explains whether a pay rise could affect your Child Benefit entitlement and whether salary sacrifice could help. Plus, Martin answers a question from a homeowner on a tracker mortgage, revealing why it can be worth securing a mortgage deal up

12 Oct 2026 · 49 min
Free cash (up to £600), freebies, state pension and inheritance tax too!

This week, Martin’s diving into one of his favourite topics: free money. From bank switching bonuses to cashback stacking, it’s packed with practical tips that could put cash back in your pocket. First though, Martin starts with a straightforward back-to-basics guide to Inheritance Tax, explaining who pays it, when it applies, and some of the key rules and myths everyone should understand. Then it

8 Oct 2026 · 56 min
I lost investing, time to retry? | Success: you got me £3k more pension | I bought home at 30, can I fix energy before moving?

In our Question Time podcast, Martin tackles a mix of consumer rights, energy-switching dilemmas and investing nerves in this week. He explains why you have fewer rights when buying personalised products, where the line is between a genuinely customised item and something that only looks bespoke, and what protections you still have if things go wrong. Plus, if you're planning a house move, can you

5 Oct 2026 · 45 min
Is it time to ditch your Premium Bonds? | Free Wills | How to lend to friends & family

Martin asks a big question: is it finally time to ditch Premium Bonds? They’re the UK’s most popular single form of savings, with more than £136 billion invested. The prizes are tax-free, they’re backed by the Government, and there’s always the dream of winning big. But despite all that, Martin explains why Premium Bonds are often held by the wrong people. He’ll break down exactly who they work we

1 Oct 2026 · 57 min
Question Time: What should every teenager know about money? Time of use tariffs: still worth it? Stooze with other 0% finance?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: what should every teenager know about money? Martin has important answers that apply to every adult too. Can my son claim back tax he shouldn’t have paid on his summer job? Are time of use tariffs still worth it in these times of energy price volatility? Can you stooze with other 0% finance offers,

28 Sep 2026 · 56 min
What’s going to happen to interest rates? And what it means for mortgages, savings & more!

What’s next for interest rates and, more importantly, what does it mean for your money? Martin is joined by an economist to look ahead at where rates could be heading over the next year, before a mortgage broker helps turn the forecasts into practical advice. Whether you're saving, borrowing, remortgaging or weighing up your next financial move, they'll explain how changing rates could affect savi

24 Sep 2026 · 1 h 7 min
Question Time: My energy’s fixed: refix early to beat hikes? Will our wedding hit our mortgage? How to switch joint savings?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: my energy fix ends in December; with huge price rises coming, should I ditch it and refix now? Our wedding coincides with the end of our mortgage fix, will the extra spending cause problems? How do I switch our joint savings account? If two families are travelling together, should we each get family

22 Sep 2026 · 54 min
Mini pod: Is now the time to ban unnecessary Christmas presents? With 100 days to go, Martin’s top tips to ease costs & stress

In this mini ‘100 days to go until the big day’ episode, Martin Lewis gives you his top tips to help you save money and ease the stress around the cost of Christmas, including: bank switches giving you free cash, toy sales, banning unnecessary presents, what’s basket bluff (and how to play it), and loads more! If you want to ask Martin a question, you now can! His Question Time podcast lets you as

18 Sep 2026 · 27 min
Question Time: Is it time to become a stoozer? I halved my car insurance by timing quotes! Rights if buying secondhand?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: if I haven’t filled up my ISA from last year, can I add the remainder now? What rights do I have when I buy goods secondhand if they’re faulty? My bank has done a strange thing; can you work out why? We hear from Fran, who’s become a huge money saving convert, saving thousands, and wants to know if

14 Sep 2026 · 46 min
Should you invest or save for your children? Best funds, best buys, kids pensions and more

This episode is your complete guide to saving and investing for children. Martin Lewis is joined by an investment specialist to answer everything you've ever wanted to know about putting money aside for under-18s, including whether it's better to save or invest (spoiler: for many children with a long-term horizon, investing may win out), how Junior ISAs and Child Trust Funds work, the best buys cu

10 Sep 2026 · 1 h 10 min
Question Time: Am I short-changing my kids’ savings? How to stop loans for gambling addict? Does Section 75 work with vouchers?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how do I get a PAC code when there's multiple numbers on my account? Will I be protected by Section 75 if I part-pay with vouchers? Should I move savings for my child into an ISA? Is there a service to stop an addict accessing loans and credit cards? We also have a success, where Hannah tells us how

7 Sep 2026 · 50 min
Time to save for kids’ uni? Time to refix your energy tariff? Plus more back-to-reality issues

In this week's The Martin Lewis Podcast, it's Back to Life, Back to Reality as Martin returns with a pot pourri of essential September savings and money tips. From a crucial warning for parents of senior school children about the true future cost of university, to how you could be entitled to hundreds of pounds in compensation for delayed or cancelled flights this summer, Martin tackles the money

3 Sep 2026 · 1 h 4 min
Best bits: Inheritance tax masterclass

This is a special best-of episode of the Martin Lewis Podcast, where Producer Simon has picked his favourite topics Martin has covered. Martin Lewis delves into one of the most talked-about financial topics in the UK: Inheritance Tax. From understanding who pays it and when, to the key allowances, gifting rules and common misconceptions, Martin shares some of his most valuable insights to help fam

31 Aug 2026 · 54 min
URGENT Energy price cap update: everything you need to know to beat the increase!

With Ofgem announcing the energy price cap will rise by 4% in October, Martin Lewis has recorded a special urgent podcast to tell you everything you need to know to beat the price hike and save on your energy bills.

26 Aug 2026 · 15 min
Best of Question Time: How do I escape a joint account? Save hard, or spend more on my family? Top tips for beginner investors

We have picked more of our favourite questions you’ve asked Martin for another special best-of episode of our Question Time podcast. In this edition: How do I escape a joint account? Save hard, or spend more on my family? Plus top tips for beginner investors and a success story on how to explain making interest on savings with your children. If you want to ask Martin a question, you now can! His Q

21 Aug 2026 · 42 min
Best bits: How to check if you’re paying too much council tax

This is a special best-of episode of the Martin Lewis Podcast, where Producer Simon has picked his favourite topics Martin has covered. Martin Lewis tackles one of the household bills causing confusion for millions: Council Tax. From discounts and exemptions to challenges, refunds and ways to check you're not paying more than you should, Martin shares some of his most useful guidance to help you n

13 Aug 2026 · 42 min
Best of Question Time: Is 15% of my salary going in a pension enough? I'm finally debt free, what now? What should we call you?

This is a special best-of episode of our Question Time podcast, where Matt has picked his favourite questions you’ve asked Martin, including: I’m 23 and saving 15% of my salary into my pension, is that enough? My 5-year-old TV’s faulty, can I get a refund? We’ve also hear from Robert, who’s finally debt free after making poor financial decisions when he was younger - and wants to know what he shou

6 Aug 2026 · 35 min
Question Time: Can AI improve my finances? Could clearing our mortgage hurt our credit score? Old paperwork boosted my pension!

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: can I use AI to improve my finances, and if so, what’s the best and safest way? We’re in our 60s, is it better to not pay off the remainder of our small mortgage? Will a bit of fiddling give us Section 75 credit card protection on our new windows? Am I wrong to use Amex at small retailers? We have a

27 Jul 2026 · 45 min
What is it you just don’t get about money? Beginners guide to pensions, energy, credit cards, return rights and far more

Part two of our ‘I don’t get money’ podcasts. Martin explains your consumer rights when returning purchases, including what protection you have when goods are faulty, bought online, or simply not what you expected. He also guides listeners through the practicalities of starting to draw from a pension, covering the key decisions retirees face and common mistakes to avoid. Credit card borrowers ask

23 Jul 2026 · 1 h 6 min
Question Time: What money mistakes do married couples make? Can we afford to upsize? How do you repay two student loans?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: what are the financial benefits of marriage? We want to upsize to a bigger house; how do we know if we can we afford the bills? How do I deal with unfairness when investing for my children of different ages? We have a success, where our caller switched bank but was able to keep their linked regular

20 Jul 2026 · 52 min