Monthly Archives: November 2025
The £500 Mistake: Why Dividend Allowance Cuts Are a Bigger Deal Than You Think
You haven’t changed your investments. But suddenly, you’re paying more tax. The culprit? A quiet but significant change to the dividend allowance, now slashed to just £500, that’s catching many income investors and semi-retirees off guard. If you hold income-producing investments outside an ISA or pension, this small shift could mean a bigger tax bill […]
Posted in Financial Planning
The 2026 Buyer’s Curveball: Why Your Deposit Isn’t the Only Thing That Matters
You’ve probably heard it a thousand times: “Save for the deposit.” And sure, it matters. But in 2026’s shifting mortgage market, it’s far from the whole story. Buyers focusing only on deposit size could be missing the bigger picture that actually decides whether you get the deal (or the keys). Your Credit Profile Carries […]
Posted in Mortgage
Why You Don’t Need £60k to Make the Most of Your Pension
When people hear they can contribute up to £60,000 a year into their pension, many immediately tune out. “That’s miles out of my league,” they think. But here’s the thing: you don’t need to hit that limit, or even get close, to make a real difference to your retirement. Even modest contributions can grow meaningfully […]
Posted in Pensions