Monthly Archives: June 2025
How to Boost Your Retirement Income Without Paying More Tax
You’ve spent decades building your retirement savings, now it’s time to make that money work for you. But here’s the thing: the way you draw your income matters just as much as how much you’ve saved. Get it right, and you could keep more in your pocket every year. Get it wrong, and you could […]
Posted in Retirement Planning
Capital Gains Tax in 2025: Are You Paying Too Much?
Are You Accidentally Giving HMRC a Bonus? You sold some shares. Or offloaded a rental. Nothing dramatic, just tidying up your finances. But thanks to the quiet Capital Gains Tax changes in 2025, that tidy-up might have cost you more than it should’ve. The allowance is down. Rates are up. And for many people, CGT […]
Posted in Financial Planning
Should You Overpay Your Mortgage in 2025, Or Invest the Difference?
Got some extra cash burning a hole in your budget? You could overpay the mortgage. That’s the “sensible” move, right? But in 2025, with interest rates still elevated and investment returns quietly making a comeback, throwing every spare pound at your loan might not be the smartest use of your money. Let’s unpack why overpaying […]
Posted in Mortgage
Is Your Portfolio Ready for a High-Interest World?
It wasn’t that long ago that interest rates were barely a blip, close to zero and easy to ignore. Fast-forward to 2025 and the picture looks very different. Rates are now meaningfully higher, and although the Bank of England recently trimmed the base rate to 4.25%, it’s still a world apart from what we […]
Posted in Financial Planning, Investments