40-year mortgages offer lifeline to FTBs
More than six in 10 would-be FTBs said that affording the mortgage payments was a significant obstacle to buying a home. A 40-year mortgage could cut monthly payments by hundreds, making it easier to get on the ladder. Just remember: longer terms can mean more interest overall.
New data reveal trigger points for getting cover
New data reveal that most people need a trigger event before taking the leap. While 35% of the UK population have life insurance, it often takes a life milestone to act. Life changes or risks can prompt action—but being proactive is key. Don’t wait for a trigger: review your cover today.
An end to the Bank of Mum and Dad? More than one in ten retirees cutting back on gifting
According to Quilter research, gifting can reduce IHT, but errors can erase benefits. A common pitfall is the ‘gift with reservation of benefit’ – where you give something away but keep using. Make sure to keep detailed records and plan carefully.
News in Review
This week’s edition covers Scotland’s draft Budget and subdued UK house prices as year-end data emerges
Moving house? Don’t forget the protection review
Research shows 32% of policyholders never update their cover after moving, leaving potential gaps. Life changes—like a new home or mortgage—mean it’s time to check Life Insurance, Income Protection, and Critical Illness Cover. Make sure you don’t leave gaps in your protection.
People don’t understand IHT
1 in 3 people expecting £300k+ don’t fully understand IHT. Only 20% plan to pass on assets during their lifetime, often due to uncertainty—but 80% of women who get financial advice use tax-efficient strategies to protect their wealth. With IHT rules changing, now’s the time to seek professional guidance
Monthly payments increase home insurance cost by a third
New research suggests that the extra cost associated with paying monthly can be as high as 33%. It makes a big difference as to whether you pay for home insurance cover monthly or annually. The research also found that the timing of the renewal can make a major difference to the total cost.
Brits missing out on important money conversations
A recent survey shows Brits are more likely to discuss politics (50%) than finances (29%) at the dinner table. Gen Z (42%) and Millennials (37%) talk money more than older generations. With Talk Money Week 2025 (3–6 Nov) coming up, it’s the perfect reminder to pause and review your finances.
Economic Review – December 2025
In our Economic Review of December – the Bank of England (BoE) warn further reductions were likely to become a ‘closer call,’ analysts suggest uncertainty ahead of the Budget affected growth, negatively impacting both consumer and business spending levels and retail conditions remain challenging.
Commercial Property Market Review – December 2025
UK commercial property faces shifting taxes, rising regional office rents, resilient West End investment, and growing demand for let-ready space
