Author: Lloyd Kafton
Why Statutory Sick Pay Still Isn’t Enough in 2026 And What Income Protection Really Does
Statutory Sick Pay is changing from April 2026. The weekly rate will rise to £123.25, the lower earnings threshold will be removed, and payments will begin on the first full day of sickness absence rather than the fourth. At first glance, that sounds like progress. But when you compare £123.25 a week to the reality […]
Posted in Insurance
Semi-Commercial Property in 2026: What the Market Looks Like Right Now
Commercial property is starting to come back into investor conversations after a quieter period during the sharp rise in interest rates. A Savills report expects around £55 billion of UK commercial property investment in 2026, slightly higher than 2025 levels. Rightmove also reported that investment demand for commercial property was 28% higher year on year […]
Posted in Mortgage
How HMRC Can Access Your Financial Data (And Why Keeping Good Records Matters)
HMRC has always had the ability to request financial information when checking someone’s tax position. But since 2021, it has gained a power that many taxpayers are still unaware of. Under the Finance Act 2021, HMRC can request information directly from certain financial institutions without the taxpayer’s prior approval. For investors and higher earners, it’s […]
Posted in Financial Planning
Why People Don’t Trust Pensions And Why Ignoring Yours Could Cost You
Unfortunately, for many people, pensions don’t have the best reputation. A recent survey in the FT Adviser found that, out of 2,000 people questioned, only 3.8% said they trust the pensions industry “a lot.” That’s a striking number. It helps explain why many people treat their pension like a dusty folder they’d rather not open. […]
Posted in Pensions, Retirement Planning
The Affordability Test Shift: Are Lenders Quietly Becoming More Generous?
You may have noticed something surprising lately. After a couple of years of tighter borrowing limits and cautious lending, some buyers are finding they can borrow a little more than they expected. Agreements in principle are coming back higher. In some cases, income multiples are edging up again. Stress rates don’t feel quite as […]
Posted in Mortgage
The Protection Gap for High Earners: Why Your Employer Benefits Aren’t Enough
High earners often assume they’re well protected. A strong salary, a solid benefits package, and generous employer cover can create a sense of security. But employer protection is usually built around base salary, not total earnings. Plus, it only works while you remain employed. For those whose lifestyle is structured around bonuses, dividends or […]
Posted in Insurance
Are Frozen Tax Bands Quietly Costing You More Each Year?
Income tax rates haven’t gone up. And yet, if you’ve had a pay rise over the last few years, there’s a good chance more of your income is being taxed at a higher rate. That’s not a coincidence. It’s because key tax thresholds have been frozen while wages have risen. This quiet mechanism, known as […]
Posted in Financial Planning
The Retirement Identity Crisis: What Happens When Work Stops?
Most people plan carefully for retirement income. They calculate pension pots, review investments and work out how long their money needs to last. But far fewer of us stop to consider what happens to our identity when work stops. After decades of structure, routine and being known for what you do, retirement can feel a […]
Posted in Retirement Planning
Beat the Rush: 5 Smart Tax Moves to Make Before the End of the 2025/26 Tax Year
Every year, it happens like clockwork. As February turns into March, our inboxes fill up with last-minute questions about ISAs, pensions, tax bills and “quick fixes” before 5 April. The pressure ramps up, options narrow and decisions feel rushed when they don’t need to be. A little planning earlier in the tax year doesn’t just […]
Posted in Financial Planning
2026’s First-Time Buyer Landscape: What You Need to Know This Year
Buying your first home in 2026 feels very different to even a year ago. Mortgage rates have steadied, lenders are more willing to lend again, and first-time buyers are firmly back at the centre of the market. In fact, they’re now one of the main forces keeping transactions moving. That doesn’t mean buying has become […]
Posted in Mortgage