Avoiding pitfalls when passing on wealth
With pensions entering the IHT net from 2027, now is the time to review your plans. Small gifts, annual allowances, and PETs can reduce Inheritance Tax—but careful planning and record-keeping are essential.
Is your fixed rate coming to an end?
Over 350,000 UK households will face higher payments this winter as low-rate deals from 2020–2023 end. With the Autumn Budget on 26 Nov, now’s the time to review your mortgage options. Early planning can save you thousands.
Pension access age to rise in 2028
From 6 April 2028, the normal minimum pension age rises from 55 to 57, affecting those born on or after 6 April 1973. Early access to #pension funds will be limited to ensure retirees have sufficient resources in later life.
Pensions set to fall within IHT net from 2027
Unspent pensions will face Inheritance Tax from 2027, with average bills rising by £34,000. The risk of double taxation makes planning vital. Reviewing your estate now ensures wealth is protected and passed on as intended.
Mortgage Guarantee Scheme made permanent
The Mortgage Guarantee Scheme aims to sustain availability of high LTV mortgages by incentivising lenders with government-backed guarantees. First-time buyers and home-movers across the UK can benefit, but professional advice is essential to help you choose the right deal.
News in Review
This week’s News in Review highlights some of the main announcements from Chancellor Rachel Reeves’ second Budget and weakening retail sentiment
Economic Review November 2025
In our Economic Review of November – the OBR sets out UK growth prospects, the Bank of England maintains interest rates at their current level following a tight vote and the labour market continues to weaken.
Economic forecasts
The Chancellor’s Budget boosts fiscal headroom, maintains tax pledges and forecasts stronger growth with falling inflation
Personal taxation, savings, wages and pensions
Tax thresholds frozen to 2031, ISA rules tighten, wages and pensions rise to support households
Business measures
Business measures boost investment, skills and growth with new listing relief, visa reform and £5bn scale-up funding.
