Financial Planning

From 6 April 2027, rental income will be taxed at its own, slightly higher rates. It was announced in last year’s Budget, so whatever the Budget on 28 October brings, this change is already on the way, but there is still time to see what it means for you. What is changing If you own […]

Chancellor John Healey will deliver his first Budget on Wednesday 28 October, and the speculation has already started. Some of it is worth your attention. Most of it isn’t yet, and knowing the difference matters more than reading every headline. What’s already confirmed, Budget or not A few changes are already law and will happen […]

If you’re a landlord or self-employed, there’s a good chance you’ve heard people talking about Making Tax Digital (MTD). It sounds like another piece of tax jargon, but for many landlords and sole traders, it’s now a reality. From 6 April 2026, MTD for Income Tax applies to people registered for Self Assessment whose combined […]

For many professionals, earning six figures once felt like a major financial milestone. But increasingly, people crossing the £100,000 income mark are finding themselves asking the same question: “Why doesn’t it actually feel like I’m taking home that much more?” The answer often comes down to something many people don’t realise exists until they’re already […]

Getting married comes with a lot of admin… names to change, seating plans to agonise over, a new set of in-laws to navigate.  What often gets overlooked is that marriage also comes with some genuinely useful tax advantages that most couples never get around to using. Here are a few of the most commonly missed […]

Be honest, if someone asked you to pull together all your financial documents today, how long would it take? For most people, it’s a mix of old emails, half-forgotten logins and paperwork that’s “definitely somewhere.” That’s fine, until you actually need it. A remortgage, an insurance claim, or helping family sort things out can quickly […]

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 […]

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 […]

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 […]

The Chancellor’s Autumn Budget, announced on 26 November 2025, focused on long-term financial discipline, with changes that will be felt by higher earners, investors and homeowners over the coming years. While the main income tax thresholds are frozen rather than rising, and several investment tax rates are going up, many people could end up paying […]