Free Entry - £20,000 Cash Giveaway
Start with the full cost of the home
Build one annual view covering the mortgage, council tax, energy, water, broadband, mobile services, buildings and contents insurance, service charges or ground rent where relevant, security and alarm contracts, and routine maintenance. Add renewal dates and contract end dates beside every item. Converting annual and irregular bills into monthly amounts makes the real cost easier to see.
Protect the essentials before improving the appearance
Separate work into safety, weatherproofing, prevention, efficiency, comfort and cosmetic upgrades. A small leak, failed seal or unsafe fitting can become more expensive when delayed, while optional decoration can usually wait. Use appropriately qualified tradespeople where work involves gas, electricity, structure or specialist safety requirements.
Review finance and insurance carefully
Check mortgage product end dates early enough to understand the options, but remember that choosing or changing a mortgage can require regulated advice. Review insurance at renewal using the rebuild value and cover actually needed rather than automatically accepting last year’s policy. Check excesses, exclusions and duplicate cover before deciding on price alone.
Local information
Match the plan to your property
A flat may involve service charges, shared repairs and lease terms; an older terrace may require closer attention to roofs, pointing, ventilation and drainage; a newer home can still bring estate charges and warranty conditions. Record the responsibilities that apply to your property rather than following a generic checklist.
Homeowner money questions
How much should I save for maintenance?
There is no reliable universal percentage for every property. Age, construction, condition and shared responsibilities all matter. Start from known upcoming work, keep a record of inspections and build a reserve that is realistic for your household.
Should I overpay the mortgage or keep cash?
Check the interest rate, overpayment limits, early-repayment charges and the resilience of your emergency fund. This can be a significant financial decision, so seek regulated advice when appropriate.
Does entry require me to switch services?
No. Entry is free and switching is optional. You can review the personalised household comparison and decide whether any option suits you.
Enter the £20,000 Cash Giveaway
Enter the free £20,000 Giveaway by 31 August 2027. As part of your entry, we’ll also send you a personalised household savings comparison using the information you provide. There is no obligation to switch. Eligibility and full draw details apply.
Common questions
Where should I start with a household budget review?
Start with your regular household payments and annual costs. Check what you use, what each service costs and when contracts end before deciding whether to make changes.
What should I check before switching a service?
Compare equivalent services, including contract length, exit fees and any benefits you currently use. Keep essential insurance and other cover in place.
How do I enter the £20,000 Giveaway?
Use the Enter button to visit the main 20K website, read the current eligibility requirements and complete the entry form.
Useful guides from 20K
Geographical guide
Win £20,000 Cash in Glasgow
Working families
Money-Saving Ideas for Working Families
Household savings
How to Reduce Household Bills in the UK