Your money questions answered: Mortgages, ISAs and what to do before 5 April

"Global tensions, including the conflict in Iran, are adding volatility to markets, shifting expectations around Bank of England rate cuts and pushing mortgage costs higher, with cheaper deals already disappearing."

"I explained that while conditions are shifting quickly, the fundamentals remain the same: focus on what you can afford, build an emergency buffer, and avoid reacting to short-term headlines."

"I urged readers to use as much of their 20,000 ISA allowance as possible and highlighted how pensions can help reduce tax around key thresholds."

The Independent covers significant topics like reproductive rights, climate change, and financial issues, ensuring accessible journalism without paywalls. Donations support on-the-ground reporting, allowing journalists to present diverse perspectives. Current global tensions affect markets and mortgage rates, prompting readers to seek advice on financial decisions. Key recommendations include focusing on affordability, building an emergency buffer, and utilizing ISA allowances effectively. The importance of understanding market volatility and its impact on personal finance is emphasized, particularly regarding mortgage decisions and tax strategies.

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