Estates above £325,000 may face 40% IHT, with additional residence allowances available Lifetime gifting and trusts can reduce estate value but require careful structuring Professional
Current salary sacrifice rules allow full Income Tax and National Insurance efficiency National Insurance relief will be restricted above £2,000 annually from April 2029 Forward
Over one-third of mortgage holders have no protection in place Nearly half would struggle within six months of losing income Income protection and life cover
The annual rate of UK inflation fell more sharply than expected, down to 2.8% in the year to April Britain’s economy grew by 0.3% in
Slowing momentum – affordability pressures and cautious consumer sentiment are likely to temper activity in the months ahead Rental market – a 9% annual increase
Market sentiment – figures show a sharp deterioration in market sentiment as geopolitical tensions rise in the Middle East BTR investment – figures highlight the
Market volatility is normal and often creates long-term opportunity Holding excess cash may hinder growth for long-term objectives Diversification and discipline help manage emotional investment
New BTL lending rose 22.7% year-on-year in Q3 2025 Average UK rental yields increased to 7.15% Northern cities and Wales are emerging as strong yield
Rising property values and frozen thresholds are drawing more families into IHT scope Pension rule changes from 2027 may alter estate planning strategies significantly Early
A third of UK workers feel confident about achieving a comfortable lifestyle when they retire There are some significant disparities across income groups, age and
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JML (Financial) Associates Ltd is Registered in England & Wales. Company Number 04146750, Registered office address: 42 St Andrews Gardens, Cobham, Surrey KT11 1HG. Authorised and regulated by the Financial Conduct Authority. JML (Financial) Associates Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 195987. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK. If you wish to register a complaint, please write to enquiries@ jmlassociates.co.uk or telephone 01932 865500. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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JML (Financial) Associates Ltd is Registered in England & Wales. Company Number 04146750, Registered office address: 42 St Andrews Gardens, Cobham, Surrey KT11 1HG. Authorised and regulated by the Financial Conduct Authority. JML (Financial) Associates Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 195987. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK. If you wish to register a complaint, please write to enquiries@ jmlassociates.co.uk or telephone 01932 865500. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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