Many homeowners and prospective buyers are starting the year with a bit more optimism around borrowing costs. After a period of rising interest rates, lenders have begun to trim mortgage pricing in response to Bank of England base rate cuts and growing competition in the market. In December 2025, the Bank of England lowered its …
In 2024 the talk was all about monetary normalisation, as central bank’s sought to bring inflation under control and interest rates back down. In 2025 we could barely get through a month without talking about President Trump and his trade tariffs. The noise now is about the AI bubble and the dominance of US technology …
Changes announced in the 2025 Autumn Budget mean the way many people use ISAs will need to evolve, particularly for those under the age of 65. With limits on Cash ISAs being reduced, investing is likely to play a bigger role in making the most of your tax-efficient savings in the years ahead. A fresh …
Here are five simple but important ways to begin 2026 feeling financially organised, confident and well prepared for what lies ahead. And, of course, your Insight financial adviser is always happy to support you with your plans. 1. Revisit your long-term goals Life rarely stands still. Career changes, family milestones, health considerations and shifting priorities …
SEND Protect – empowering families with the knowledge they need to safeguard their child’s financial future At Dafferns Wealth we believe financial planning is about more than investments and pensions – it’s about peace of mind, clarity, and security for every kind of family. SEND Protect are dedicated to helping families navigate the complex world …
Introduction The Autumn Statement on 26th November dominated British headlines. In the US the longest government shutdown in history came to an end, and China will hope that the trade war ceasefire will start to show improving results in their end of year economic performance. UK After months of speculation, the Autumn Statement finally arrived, …
Budget 2025: Pension salary sacrifice cap explained The Government has announced in its 2025 Budget a key change to pension salary sacrifice arrangements that could alter how many workers save for retirement. Under the new rules the Government will cap National Insurance (NI) relief, on pension contributions made through salary sacrifice, at £2,000 per year …
The Government has announced a major change to the cash ISA allowance and other reforms to the ISA system alongside a hike in savings income tax rates. The changes bring major changes for UK savers contributing cash into the tax-free accounts, with potentially far-reaching consequences. Under the plans announced by the Chancellor, the annual tax-free …
The political background The chancellor Rachel Reeves has been under enormous pressure all year. In addition to some major economic headwinds, she has faced political battles on several fronts. Even her own MPs rebelled when she tried to save money through benefits cuts. The media reduced her choices down to two simple options. Break the …
Beyond investing – why cashflow planning matters What will you be doing in ten years’ time? Most of us can give a rough answer – perhaps enjoying more free time, travelling, or finally working less – but few of us can say with certainty how our finances will support that vision. In a fast-moving and …
