Apex Independent Financial Planning Ltd, Elm Lodge, 14 Elbow Lane, Formby, Merseyside. L37 4AF
February optimum month for house sales, Warm Homes Plan launched, and ministers discuss housing progress
High demand for office space in England, London offices update, the (in)efficiency of commercial buildings, Scottish market check
UK GDP grew 0.1% in Q4 2025, UK leads G7 inflation and UK unemployment rate nears five-year high
November’s Budget may feel distant, but key changes are on the way for landlords, high-value homeowners and first-time buyers. From rising rental income tax to the end of the Lifetime ISA and a new high-value property surcharge, here’s what to be aware of in 2026
Small increases in pension contributions can significantly boost long-term savings, thanks to the power of compound investment growth. Even a modest monthly rise can add tens of thousands to your retirement pot, making future financial security far more achievable.
Winter can bring unexpected damage, so check you have adequate home insurance. Be prepared for floods, freezing temperatures and high winds. Keep your boiler well maintained with an annual service and check your home for fire hazards.
Research into the UK’s Baby Boomer generation found that only 40–50% are on track for a moderate standard of living in retirement. Plus, those who receive financial advice are significantly more retirement-ready, underlining the importance of planning ahead.
Bank Rate has been retained at 3.75%, average houses prices surpass £300,000 and the UK services sector strengthens.
Inheritance Tax (IHT) has more into the spotlight over the past few years, largely due to the continued rise in house prices and freezing of thresholds. The good news is that planning can legitimately mitigate this tax.
Retirement planning isn’t a case of ‘one size fits all’, so it is vital to get financial advice tailored to your individual needs. Understanding the basics of pensions could have a huge impact on your quality of retirement, paying regular amounts in can be beneficial and it’s important to regularly review your pension .