Monthly Archives: August 2025
Mortgage Overpayments vs. Building Wealth: What’s the Smarter Move?
Overpaying your mortgage feels like a win, and it can be. But in 2025, when interest rates are high at 4.25%, investment returns are bouncing back, and tax rules are shifting under your feet, the question isn’t just “Should I overpay?” It’s “What’s the smartest place for my money right now?” Let’s zoom out and […]
Posted in Mortgage
5 Tax-Free Ways to Gift Money in 2025 Without Triggering the Taxman
Thinking of giving your kids a bit of help with their deposit? Or slipping your grandkids some cash for uni? Just make sure HMRC doesn’t turn it into an accidental tax trap. Fortunately, there are several perfectly legal ways to give financial support without creating a future inheritance tax headache. And in 2025, with frozen […]
Posted in Financial Planning
Your 50s Financial Game Plan: 5 Moves to Make Before Retirement Hits
You’re in your 50s. Retirement’s not here yet, but it’s not some abstract idea either, it’s getting real. These next ten years could be the most powerful for shaping your post‑work lifestyle. Whether you’re behind, on track, or flying ahead, this is the time to get strategic. And no, it’s not about chasing some impossible […]
Posted in Pensions
How to Get the Most Out of Your Adviser in 2025
You’ve got a financial adviser on your side; great move. But here’s a question worth paying attention to: are you getting the most out of that relationship? Like a good GP or personal trainer, your adviser can only work with the information you give them. The better the input, the sharper the outcome. This certainly […]
Posted in Financial Planning