Southwests leading firm of Independent Financial Planners - providing Independent Financial Advice throughout the Southwest.
Joined October 2013
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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 locations.
equitasfinancial.net/2026/05…
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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 awareness enables better family conversations and long-term legacy planning
equitasfinancial.net/2026/05…
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UK workers, especially Gen X, increasingly want time away from work to focus on health and wellbeing. Affordability and lack of employer support are cited as major obstacles.
equitasfinancial.net/2026/05…
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Buyers are negotiating more carefully in affordability-focused markets. Agreements in principle strengthen credibility with sellers. Preparation improves both buyer confidence and seller outcomes.
equitasfinancial.net/2026/05…
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74% of advised investors plan to increase contributions this year. Emotional reactions to markets are more common among non-advised investors. Professional guidance improves discipline and long-term investing outcomes.
equitasfinancial.net/2026/04…
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Section 21 ‘no fault’ evictions are ending in England. Stamp Duty thresholds reverted in April 2025. Rent control and safety reforms expand across devolved nations.
equitasfinancial.net/2026/04…
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Global growth is projected at 3.3% in 2026 amid cautious optimism. Trade cooperation and AI investment are key economic drivers. Policymakers must balance inflation control with long-term resilience.
equitasfinancial.net/2026/04…
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Up to 70% of family wealth can be lost by the second generation without structured planning. IHT changes and pension reforms could accelerate gifting and estate restructuring decisions.
equitasfinancial.net/2026/04…
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Gradual retirement is becoming more popular as people seek flexibility. Many want to continue working in some capacity beyond State Pension age. Decisions on pensions, investments and tax can all be affected by how and when you reduce your hours.
equitasfinancial.net/2026/03…
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Figures from the Equity Release Council revealed a 10% annual increase in borrowing in Q2 2025. More homeowners are taking out a lifetime mortgage to fund day-to-day living, highlighting cost of living pressures.
equitasfinancial.net/2026/03…
#EquityRelease #LaterLifeFinance
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Financial inequality leaves many women with fewer resources and less security in later years. One of the most significant drivers is the difference in pension savings. There are opportunities at every stage to strengthen financial wellbeing.
equitasfinancial.net/2026/03…
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Inflation fell to 3.0%, raising expectations that Bank of England may cut rates soon.
FTSE 100 reached record highs as public finances posted a surprise January surplus.
equitasfinancial.net/2026/03…
#UKEconomy #Inflation #InterestRates #FTSE100 #PlymouthFinance #EquitasFinancial
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Many UK adults don’t feel confident their family would be financially secure if they unexpectedly died. Women were less certain about their family’s financial resilience and 45-54-year-olds were the least confident age group.
equitasfinancial.net/2026/02…
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Landlords face reduced rental profitability as Income Tax on property earnings rises by two percentage points. The Lifetime ISA will be phased out and replaced by a simpler product.
equitasfinancial.net/2026/02…
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Start thinking about making the most of tax-efficient opportunities before the end of the 2025/26 tax year. You can contribute as much as you like into your pension, but there’s a limit on tax relief. You can make gifts worth up to £3,000 exempt from IHT.
equitasfinancial.net/2026/01…
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More earners will be in higher tax bands. The basic Dividend Tax rate will rise to 10.75%, while the higher rate will increase to 35.75%. “The Chancellor is relying heavily on tax rises towards the back end of the parliament.”
equitasfinancial.net/2026/01…
#Budget2026 #TaxPlanning
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Now is the ideal time to take stock and plan for the next year with confidence.
We can help make your property dreams a reality, whether you’re an FTB or a home mover. We’ll ensure your protection plans safeguard what matters most.
equitasfinancial.net/2026/01…
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As 2026 begins, thoughtful financial planning remains essential for navigating change and securing long-term goals. Reviewing investments, tax strategies and pensions ensures your plans stay aligned.
equitasfinancial.net/2026/01…
#FinancialPlanning #NewYearGoals #WealthManagement
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Owning a home can create significant long-term savings when compared with renting. Renters in London and Bristol are missing out the most on savings opportunities. Despite challenges, many younger renters are optimistic about owning their first home.
equitasfinancial.net/2025/12…
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23 Dec 2025
Gifting can reduce IHT, but poor record-keeping could cause the exemption to be rejected. Gifts with reservation (e.g. continuing to benefit from gifted assets) often trigger unexpected IHT bills.
equitasfinancial.net/2025/12…
#InheritanceTax #Gifting #EstatePlanning #PlymouthFinance
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