2025/26 Tax Planning is Underway

Every year brings new possibilities, and as we approach the start of the 2025/26 tax year, it's the perfect time to maximise your financial options and opportunities. Whether you're an investor or a saver, there are many tax benefits to take advantage of, and our team of experts is on hand to provide you with the information you need to make the best decisions for your finances.

What should my priorities be?

In 2025/2026, you can contribute a maximum of £20,000 across all your ISAs. This allowance applie...

Planning for retirement might seem daunting, but it doesn't have to be. To help you navigate this important process, we've outlined a simple 5-step guide. This guide will walk you through everything from understanding how much you'll need to assessing your income options and ultimately drawing up a comprehensive plan for your future.

Step 1: Don’t Put It Off

Retirement can often seem a long way off, but the choices you make while you’re still working can have an enormous impact on the kind of life you enjoy when you stop.

Our trusted and ...

 ISAs offer flexible, tax efficient savings and are a good way to make your money work harder for you.

Everything earned from your ISA is free from Income and Capital Gains Tax – in other words, you won’t pay tax on interest, withdrawals or growth. You can invest a total of £20,000 into one ISA or multiple ISAs in the 2024/2025 tax year. ISAs are also an easy and straightforward way to invest into stocks and shares.

If you don’t use your annual allowance, you’ll lose it.  Take a look at our handy guide by clicking on the image below

Life after your Fixed Rate mortgage.

Why plan ahead of your fixed rate ending?

The earlier you plan your remortgage, the more mortgage options you have! And in the current economic climate, it really does pay to know your options. An expert adviser can find the deal for you.

If you’re due to remortgage in the next year or so, take a look at our handy list of does and don’ts that will help you plan ahead with confidence.

• DO give yourself time to weigh up your options. Leaving anything to the last minute can be incredibly stressful – e...

ISAs offer flexible, tax efficient savings and are a good way to make your money work harder for you. Everything earned from your ISA is free from Income and Capital Gains Tax – in other words, you won’t pay tax on interest, withdrawals or growth. You can invest a total of £20,000 into one ISA or multiple ISAs in the 2024/2025 tax year. ISAs are also an easy and straightforward way to invest into stocks and shares. If you don’t use your annual allowance, you’ll lose it

Take a look at this guide which could help you make the most of you...

Every six weeks or so, all eyes are on the Bank of England and its Monetary Policy Committee (MPC) – the group that decides whether interest rates will be increased, held or cut. How they choose to act has an impact on how much it costs banks to borrow money and what rates they can offer to savers and borrowers.

With all this in mind, what does an interest rate cut actually mean for mortgage holders and for those weighing up their options as they come to buy or move?

Will my mortgage now be cheaper?

For those borrowers that currently...

At Blue Heron Financial Services, building trust and delivering results for clients is at the heart of what we do.  Please click on the link below to see all the reviews Rebecca has received.

It’s time for a fresh look at your finances – where should you start in 2025?

The start of a new year presents a great opportunity to set out your goals and aspirations for the coming 12 months. For others, it can also mean new beginnings, new challenges or simply a fresh start. 

No matter your mindset for 2025, now is a great time to review your financial goals and plans for the year ahead. Whether it’s finally getting onto the property ladder, safeguarding your family’s health and financial wellbeing, or thinking about plans for retireme...