PODCAST

The Martin Lewis Podcast

BBC Radio 5 Live

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

business

All Episodes

31:28

Question Time: How to escape a joint account? When...

The Martin Lewis Podcast ·

2026/02/09

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how do I escape a joint account? If I cancel a Direct Debit, do I have to tell the company? When isn’t it worth claiming child benefit? Where do I put the money from my house sale? And, who’s going to take over from Martin when he retires?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if

60:10

Should you overpay your mortgage or save – and how to...

The Martin Lewis Podcast ·

2026/02/05

Martin Lewis on whether you should use savings to overpay your mortgage - factoring in your emergency fund, your rates, and whether overpayments come with penalties. Martin gives his reaction to the Bank of England announcing just before we recorded that interest rates have remained unchanged at 3.75%. We look at what has happened to Ofgem's no standing charges tariff options promise.This week’s Tell Us is what money rule do you follow now that you once thought pointless or over the top, and we’re

31:28

Question Time: Best kids’ savings or investments?...

The Martin Lewis Podcast ·

2026/02/02

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: why do I pay interest even if I pay off my credit cards in full? Where’s the best place to save and invest for my young children who have pension income from my late husband? I’ve got two mortgages on my house, which should I overpay? What’s the best place for me to start a new pension aged 50? Plus, would Martin rather be locked in an empty shopping centre for 24 hours with 1000 snakes, or one angry

26:05

Plan 2 Student Loans Pod Extra: Stop the repayment...

The Martin Lewis Podcast ·

2026/01/30

Bonus Podcast - Martin Lewis gives his advice for people on a Plan 2 Student Loan. With the Government freezing the repayment threshold he explains if you should overpay now (spoiler: for some yes, many no). The pod features Martin speaking to Victoria Derbyshire about UK Chancellor Rachel Reeves's decision to freeze the student debt repayment threshold for three years and the experience of graduates paying interest on a Plan 2 student loan.You can get in touch with the team by emailing

56:15

New first-time buyer ISA: what happens to the LISA &...

The Martin Lewis Podcast ·

2026/01/29

Martin Lewis explains what we know about the product set to replace the Lifetime ISA, and what could happen to your LISAs and Help to Buy ISAs. Plus, Martin asks you if you think AI is good for consumers, you tell us when you’ve felt financially burned by a firm or product provider, because you took your eye off the ball, and does Adrian finally get a Money Mastermind question right? This week’s is on Section 75 protection, and you’ll have to listen to find out!If you want to ask Martin a question,

27:34

Question Time: Help to Buy ISA v LISA? Sell shares...

The Martin Lewis Podcast ·

2026/01/26

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: I want to buy my first home, should I move money from my Help to Buy ISA to a LISA? Is it best to sell shares each year to use my annual capital gains tax allowance? Help! My broadband’s broken, what rights do I have to compensation? My phone contract’s been hiked, can I leave penalty free? Plus, you ask Martin his dream golf four ball.If you want to ask Martin a question, you now can! His Question

65:14

Life lessons for all ages! A warning if you’ve booked...

The Martin Lewis Podcast ·

2026/01/22

Martin Lewis tells us his four life lessons he gave to graduates recently, so we asked you for yours! Plus, Martin’s annual warning if you’ve booked a holiday, an update to Ofgem’s no standing charge tariff for energy, and Mastermind is all about borrowing: does the length of a loan matter more than the interest rate? You’ll have to listen to find out!If you want to ask Martin a question, you can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!)

35:52

Question Time: At last, I’m debt free - what now?...

The Martin Lewis Podcast ·

2026/01/19

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: should I prioritise saving, investing, overpaying the mortgage, or children’s savings for our new baby? I want to retire early; do I need to pay for National Insurance to get a full state pension? Should I overpay my postgraduate loan? Robert tells us his inspiring story about finally becoming debt-free for the first time in his adult life and asks Martin what he could do with his money next. Plus,

71:06

Everything you ever wanted to know about tax but were...

The Martin Lewis Podcast ·

2026/01/15

With the self-assessment deadline less than a fortnight away, Martin Lewis answers your questions on everything tax, with the help of two tax gurus, including: tax returns, inheritance tax, making tax digital, capital gains tax, PAYE, savings tax, and more. Plus, Mastermind this week is all about gift cards, and Martin speaks to Harriet from the Traitors.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within

33:16

Question Time: Will my ex’s debt affect my credit...

The Martin Lewis Podcast ·

2026/01/12

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: will my ex’s debt affect my credit score? If I buy a bridesmaid’s dress for someone, does it hit my consumer rights? My credit card won’t give me money back for problem building work, what can I do? I’m a teacher, can you answer some of my students’ personal finance questions? My 0% credit card deal ends soon; do I pay it off or transfer the balance? Plus, what would Martin’s wrestler name and

64:02

Debt Masterclass: Slash the cost of existing credit...

The Martin Lewis Podcast ·

2026/01/08

Martin Lewis has his debt masterclass this week, helping you slash the cost of your existing credit cards, overdrafts, loans, buy now, pay later and much more! Plus, you tell us your New Year financial goals - some of you want to save more, some want to save less! Mastermind is all about capital gains tax, and how did Martin’s yearly step count competition end?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within

30:44

Christmas Special: The best of Martin’s Money...

The Martin Lewis Podcast ·

2026/01/01

As it’s Christmas, Producer Matt has chosen his favourite questions Martin has challenged Adrian with on the podcast for this special Martin’s Money Mastermind episode, including questions on: returning faulty tech, gift aid, credit scores, retail gift aid, and direct debits.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite animal, if he knows any

29:25

Christmas Special: The best of Question Time!

The Martin Lewis Podcast ·

2025/12/25

As it’s Christmas, Producer Matt has chosen his favourite questions you’ve asked Martin in our Question Time podcast, including: Can I refuse a smart meter? Is paying by PayPal a bigger risk? Should I keep cash under my mattress? Should you invest in gold? Will my new husband need to pay for my daughter’s university? And, would Martin want to fight 1 man-sized duck, or 10 duck-sized men? You’ll have to listen to find out!If you want to ask Martin a question, you now can! His Question Time podcast

27:17

Question Time: Council Tax £6,000 refund! £700 saved...

The Martin Lewis Podcast ·

2025/12/22

In this special ‘Success Time’ edition of our Question Time podcast, this week is all about listeners who’ve saved. They tell us what they’ve done to save, and Martin explains how you can do the same! The successes this week include: a multi-bank switching success, getting a phone retailer to overturn its decision not to replace a faulty handset, and a success worth £100,000.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and

63:24

It’s Love Actuarially! Base interest rate cut help....

The Martin Lewis Podcast ·

2025/12/18

Martin Lewis has a selection box of topics in this week’s podcast, including: the Bank of England has cut the base interest rate, what does it mean for your mortgage, savings, credit cards, and loans? It’s Love Actuarially as you tell us when you’ve received a random act of financial kindness. The government’s taking £150 off energy bills, so Martin explains how it will work – especially if you’re on a fix. Plus, Mastermind is all about representative APR, and should you open expensive Christmas

27:48

Question Time: How to deal with mounting debt? What...

The Martin Lewis Podcast ·

2025/12/15

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how do I deal with my mounting debt? Is student loan paid before or after tax (and should I set up a direct debit if I’m close to paying it off)? Can someone take over my ISA allowance when I die? Plus, we have a student loan success story, and just how does Martin manage to do 26,000 steps a day?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin

67:12

Everything you need to know about ISAs (Cash &...

The Martin Lewis Podcast ·

2025/12/11

Martin Lewis tells you everything you need to know about ISAs - the Cash, Stocks and Shares, Help-to-Buy, and Lifetime varieties – as well as what ISA changes in the budget means for you. Martin talks about the government consultation on replacing the Lifetime ISA and tells you if it’s still worth it. Plus, you tell us your cheap Christmas magic tips, Mastermind is all about car insurance renewal, and do you know where your stopcock is?If you want to ask Martin a question, you now can! His

33:14

Can salary sacrifice cut student loan & savings tax...

The Martin Lewis Podcast ·

2025/12/08

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: can using salary sacrifice allow me to cut the amount of student loan and savings tax I pay? How will not paying tax if you only get the state pension work in practice? Help, I’m about to turn 50! Is there anything I should do with my finances? Plus, we have a bridesmaid dress return success story (including how Martin helped them find love), and would Martin rather do Who Wants to Be a Millionaire

63:06

Are Credit Scores real or nonsense? How to make...

The Martin Lewis Podcast ·

2025/12/04

Martin Lewis goes through everything you need to know about credit scores – including if they’re actually real. He also explains how you can make yourself appear more attractive to lenders, including the most important factors they look for. Plus, what the budget means for your energy bills, you Tell Us when you finally felt financially grown up, and Mastermind is all about when a direct debit isn’t actually a direct debit.If you want to ask Martin a question, you now can! His Question Time podcast

30:42

Question Time: Time to ditch Premium Bonds? Do...

The Martin Lewis Podcast ·

2025/12/01

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how does the ISA limit actually work, is the online safety act really working, how can I get credit on a low income, is it time to ditch premium bonds, do student loans cost more for middle earners, and when does savings interest actually count for tax purposes?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within

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The Martin Lewis Podcast

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