Smart Money Guides

Welcome to our latest issue. As the 2025/26 tax year-end approaches on 5 April 2026, now is the time to review your finances to ensure you’ve maximised all available allowances and reliefs. Tax year-end planning can help you save money, improve your long-term investments, and make better use of government incentives before they reset in April. On page 08, we’ve provided five key areas to consider before the deadline. Taking action before 5 April can help you reduce your tax, maximise allowances, and strengthen your financial position. Reviewing your ISAs, pensions, and estate plans now ensures you make the most of every opportunity.

Death and money are two of life’s unavoidable realities, yet they remain subjects many of us hesitate to discuss. This reluctance often extends to inheritance, a topic that many families find uncomfortable. The consequence of this silence is significant, as an increasing number of estates are affected by Inheritance Tax (IHT), and disputes over Wills are becoming more common in UK courts. Learning how to discuss succession planning is no longer just wise; it is essential. Turn to page 13.

Some people delay investing because they’re waiting for “the right moment.” The idea of buying when prices are low and selling when they’re high seems sensible in theory, but in practice, it’s very difficult to perform. Even experienced professionals struggle to accurately predict short-term market movements, and headlines or emotions can easily cloud judgment. On page 09, we explain why history shows that market timing often causes investors to miss opportunities rather than achieve better results.

From 1 January 2025, private schools across the UK were required to apply 20% VAT to tuition and boarding fees. The change represents a significant shift in education funding and has placed substantial financial pressure on families with children in independent schools. Effective cash-flow management and early financial planning can help protect long-term goals while maintaining access to independent education. As with most complex areas of planning, there is a balance to be struck between tax efficiency, control and flexibility. Read the article on page 06.

A complete list of the articles featured in this issue can be found on pages 02 and 03.

Welcome to our Autumn 2025 quarterly issue of The Mortgage & Property Magazine

For many homeowners, remortgaging is no longer a question of if, but when. Acting at the right moment can lower your monthly payments, secure a more competitive rate, or unlock equity to fund renovations and other goals. Timing and preparation matter. Turn to page 22 to learn how to recognise the key trigger points, such as fixed-rate deals ending or changes in income and manage your mortgage effectively over the long term.
As borrowing costs change, reducing your monthly mortgage payment has become a priority for many households. On page 24, we explore practical ways to achieve this, from switching products or lenders to adjusting repayment terms and making overpayments where appropriate. You’ll find clear guidance to help you strike the right balance between immediate relief and long‑term financial security.

The festive season always seems to arrive sooner than expected. A well-prepared home sets the perfect scene for a relaxed and joyful Christmas, offering a warm sanctuary for family and friends amidst the winter rush. Discover our step-by-step guide on page 77 for a stress-free plan, covering décor, maintenance, and hosting tips, to help you fully enjoy the magic of the occasion.

Choosing between a fixed-rate and a tracker mortgage is one of your biggest decisions. Each operates very differently, and the right choice depends on your personal circumstances, risk appetite, and whether you value stability over potential savings if rates fall. Read the full article on page 30 for a clear comparison, pros and cons, and scenarios to help you decide with confidence.

A complete list of the articles appears on pages 03 to 05.