Key highlights

Tax, savings and pensions

• ISA reform: £20,000 allowance retained, but £8,000 reserved for investments; over‑65s keep full cash flexibility.
• Income tax thresholds: Freeze extended to 2031, creating c.1m new taxpayers and 750,000 new higher‑rate taxpayers; Treasury gains £50bn over the decade.
• Capital gains tax relief: Reduced on disposals to employee ownership trusts, raising £0.9bn.
• Pension protection: Pre‑1997 pensions indexed to inflation in the protection fund.
• Salary‑sacrificed pensions: From April 2029, contribu...

The Chancellor will deliver the Autumn Budget on Wednesday 26 November 2025. This is expected to be the government’s first major fiscal event focused on “an economy not working well enough for working people”. With borrowing pressures still high, you should be prepared for targeted tax rises and a few surprises. 

Big-ticket predictions we’re watching

1) Tax rises to tackle the deficit

• Stealth over headline hikes

Independent analysis points toward ‘stealth’ rather than headline increases with freezes to thresholds, targeted levie...

Why it’s important to speak to an adviser to find the right deal

If your mortgage deal is coming to an end, you’re not alone. Thousands of homeowners are fast approaching the end of their fixed terms, and for many, that brings a crucial question: is now the right time to remortgage?

With interest rates rising sharply over the last couple of years, this is no longer a straightforward decision. While rates are beginning to settle, the range of deals on offer is broader than ever and knowing which one is right for you can be far from sim...

Could your mortgage payments be going down? Here’s what you need to know as your fixed rate ends

After a period of rising interest rates and higher monthly costs, there are signs the mortgage market is beginning to settle. For some homeowners, that could mean welcome news. Your monthly payments may actually go down when your fixed rate ends and you explore new, more favourable deals.

If your deal is due to finish in the coming months, now is the time to understand what that means for you and how to make the most of it, expert advice can ...

Download our latest brochure below to find out how the right support can make all the difference.

We’re living in unpredictable times; from rising living costs and market fluctuations to fast-moving changes in jobs, tech, and even family structures. For many people, the old financial playbook no longer applies.

In these moments, advice isn’t about chasing the lowest cost — it’s about making the right choices for you. Ones that reflect your values, your needs, and the realities you’re living with right now.

Whether you’re dealing with a sudden loss of income, stepping into a caring role, or struggling to keep up with digital changes, ad...

The value of advice – planning with purpose

In an ever-changing world, navigating your financial options can be challenging. Whether you’re thinking about ways to save, planning for retirement, considering how best to use your tax allowances, or thinking about how your estate might be passed on, it’s often hard to know where to begin. That’s where advice can make a real difference – helping you plan with clarity and purpose.

Making sense of pensions

Pensions remain one of the most effective ways to save for later life, yet, with evol...

We’re proud to share that our Director and Practice Principal, Rebecca Harbrow, has been recognised in the VouchedFor 2025 Top Rated Financial Adviser Guide, distributed in The Telegraph.

This prestigious listing is based on outstanding client feedback – and is a reflection of Rebecca’s continued dedication to providing trusted, personalised advice.

You can view the full guide below

The value of advice – planning with purpose

In an ever-changing world, navigating your financial options can be challenging. Whether you’re thinking about ways to save, planning for retirement, considering how best to use your tax allowances, or thinking about how your estate might be passed on, it’s often hard to know where to begin. That’s where advice can make a real difference – helping you plan with clarity and purpose.

Making sense of pensions

Pensions remain one of the most effective ways to save for later life, yet, with evolvin...