What’s Coming Up in 2026 for Investments and Inheritance Tax Planning
While many of us focus on drinking less and exercising more at this time of year, it is also a great time to consider your planning strategy, ensure your investments are on track and that you have the right protection and life insurance in place. After a volatile year for the stock market in 2025, […]
What’s Coming Up in 2026 for Interest Rates, House Prices, Remortgaging and Buy-to-Let?
The outlook for 2026 certainly feels more positive than the autumn of 2025, which was plagued by uncertainty amid pre-Budget speculation of a raid on the housing market in the form of higher taxes. What came to pass wasn’t as bad as many had feared or been led to believe, although there was a notable […]
Budget 2025: what it means for your property and investments
Now that the Chancellor has delivered her second Budget, Chief Executive Mark Harris and Antony Cousins, Head of the Wealth Management team at SPF Private Clients, discuss the measures and how they might impact the housing market and our investments. Introduction of a ‘Mansion Tax’ As widely trailed in the media beforehand, the Chancellor introduced […]
What does the Budget have in store?
With the Chancellor due to deliver her budget on 26th November, Chief Executive Mark Harris and Antony Cousins, Head of the Wealth Management team at SPF Private Clients, discuss the rumoured measures impacting the housing market and our investments, and assess what it all means. Increase in Income Tax In its election manifesto, Labour promised […]
Rumoured property tax reforms and the Autumn budget
The Chancellor of the Exchequer has announced that her budget will be on 26 November 2025. While it is still some way off, there is already much speculation as to what might be included, with Rachel Reeves reportedly having a far larger multimillion-pound black hole to fill than was the case with her maiden budget […]
The impact of Inheritance Tax changes on non-doms, and how to protect your wealth
A recent report from Henley & Partners, widely reported across the UK press, predicts a major exodus of millionaires from the UK in 2025. Many have left the UK either since, or in anticipation of, the non-dom rule changes announced last April. This was when Long-Term Resident (LTR) rules were introduced, resulting in more individuals […]
Joint Borrower Sole Proprietor mortgages – helping purchasers onto the housing ladder
A Joint Borrower Sole Proprietor mortgage enables multiple individuals (usually, but not always, parents of the offspring buying the property) to combine their incomes to help their child get the mortgage they need. Crucially, only the child legally owns the property – the parents, or assistors, are on the mortgage but not on the deeds […]
Why there’s more to small business finance than loans and credit cards
Most business owners of SMEs are familiar with traditional financing options, such as business loans and credit cards, yet take-up rate is low. Figures from the UK government for Q4 of 2024 show just 46% of SMEs were using external finance, and over 50% of businesses that invest exclusively use internal or personal funds for […]
Mortgage reforms aimed at first-time buyers
Getting on the housing ladder is a challenge, particularly for those who don’t have financial assistance from the Bank of Mum and Dad, so plans to relax affordability requirements could encourage more activity among prospective buyers. In her Mansion House speech, the Chancellor attempted to address the challenges by announcing plans to cut red tape […]
Purchasing a listed property? Understand your finance and insurance options
How to finance and insure a listed property Buying a listed home may feel like a daunting prospect, but potential buyers may dream of owning their own little slice of history. These properties often have an important place in our national heritage with distinctive characters and features which need preserving. However, with old buildings you […]