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24/10/2026

Got an ISA? Changes are coming, and they could affect how you save.

ISAs have long been a popular way to save and invest tax-efficiently, but some significant changes are on the horizon for April 2027.

And if you're under 65, there's one figure worth paying attention to… £20,000 → £12,000

That's the planned reduction in the annual Cash ISA allowance for under-65s, although the overall ISA allowance will remain at £20,000.

But that's not the only change being introduced.

From new rules around Stocks & Shares ISAs to potential changes affecting Lifetime ISAs, there's plenty for savers to understand.

So, what do these changes actually mean for your money? And should you be reviewing how you save?

Our latest blog breaks down what's changing, who could be affected and what you might want to consider before April 2027: https://millbankfs.co.uk/2026/10/13/isa-changes-incoming-what-they-mean-for-your-savings/

22/10/2026

Your weekly News in Review is LIVE! 📰

Here’s what’s making the headlines this week:
➡️ In the three months to August, GDP increased by 0.7%, marking the eighth consecutive three-month on three-month increase.
➡️ The FSB has urged Chancellor John Healey to expand the Small Business Rate Relief (SBRR) at next week’s Budget.
➡️ Over a third (35%) of UK adults were saving more than usual in Q3, up from 28% in Q2 – driven by millennials.

👉 https://millbankfs.co.uk/2026/10/21/news-in-review-299/

19/10/2026

Budget incoming… keep calm and carry on!

With a new Prime Minister and Chancellor, there's already plenty of speculation about what the upcoming Budget could mean for homeowners and the property market.

Changes to Stamp Duty? New property taxes? A shake-up of the housing market?

The headlines are certainly keeping everyone guessing. But here's the important thing: speculation isn't policy.

While housing affordability and property taxation remain firmly on the political agenda, there's little benefit in making major financial decisions based on what might happen.

Whether you're thinking about buying your first home, moving up the property ladder or remortgaging, your decisions should be based on your own circumstances and long-term plans, not the latest headlines.

At Millbank, we'll be keeping a close eye on the Budget and what any announcements could mean for homeowners and prospective buyers.

In the meantime, if you have questions about your mortgage or future property plans, we're here to help: 📩 [email protected]

18/10/2026

A study this year revealed that personal values are the biggest motivator for UK adults when it comes to financial planning. The top drivers were:

✔ Providing for family – 44%
✔ Financial independence – 43%
✔ Feeling secure – 31%

And for 25–34-year-olds, these motivators are even stronger, with over half prioritising family security and independence.

It’s a powerful reminder that good financial planning isn’t just about numbers – it’s about aligning your money with what matters most in your life.

If you want clarity and support in building a plan around your goals, we’re here to help:
📲 0115 880 0190
📩 [email protected]

13/10/2026

Losing a partner is devastating, emotionally and financially. Research shows:

✔ 30% of UK adults could be forced to sell their home if their partner passed away
✔ 18% would need to take on extra work just to cope
✔ 60% of mortgage holders don’t have life insurance that covers their mortgage

It’s not something anyone wants to think about, but having the right protection in place can provide real security for the people who matter most.

Life insurance can help cover major costs like your mortgage, and when set up correctly, it can also sit outside your estate for Inheritance Tax purposes.

A simple conversation today could make a huge difference tomorrow.

🌐 Find out more: https://millbankfs.co.uk/

10/10/2026

You don't need to have a financial problem to speak to a financial adviser.

In fact, some of the best conversations happen when things are going well.

You've had a pay rise. The business is growing. You've built up some savings. Your mortgage is manageable.

Nothing is necessarily wrong. You just want to know you're making the most of what you've worked hard to build.

That's where financial planning comes in.

At Millbank, we can help you step back and look at the bigger picture – where you are now, what you'd like the next five, ten or twenty years to look like, and whether your finances are set up to help you get there.

Sometimes the first step is simply having the conversation.

If you've been thinking, “I really should get some proper advice…”, perhaps this is your sign.

Get in touch with the Millbank team to arrange a conversation: 📲 0115 880 0190

08/10/2026

Your weekly News in Review is LIVE! 📰

Here’s what’s making the headlines this week:
➡️ September’s growth rate marks the weakest annual pace since December 2025 and is attributed to the ongoing economic uncertainty.
➡️ The number of sub-5% fixed mortgage deals fell by 99% in September, with average fixed mortgage rates reaching their highest level in 3 years.
➡️ “Businesses across the UK are telling us they see opportunities to grow… turning this ambition into action requires public and private investment working”.

👉 https://millbankfs.co.uk/2026/10/07/news-in-review-297/

06/10/2026

When it comes to your pension, starting earlier could make a much bigger difference than you think.

Research shows just how powerful time can be.

For illustration, assuming 7% annual growth after charges:

✔️ Starting at 20 could require contributions of around £264 a month to build a £1m pension pot by 65.
✔️ Starting at 40 could require around £1,235 a month to aim for the same amount.

That's nearly five times as much each month.

Of course, finding room for pension contributions isn't always easy, particularly when you're balancing rent or a mortgage, bills and everything else life brings.

The point isn't that you need to save huge amounts from day one. It's that time can be one of your biggest advantages.

Even smaller, regular contributions made earlier have longer to benefit from compound growth and building the habit now could reduce some of the financial pressure later in life.

So, if retirement feels too far away to think about just yet, that could be exactly why now is worth thinking about it.

Get in touch with the team at Millbank to see how we can help: 📩 [email protected]

04/10/2026

Are you on track for retirement?

Nearly 4 in 10 people in the UK aren’t - even for a basic lifestyle.

Building financial empowerment means having the confidence that you’re in control of your future. Whether you’re employed, self-employed, or planning alongside a partner, knowing your retirement income targets is the first step.

👉 Our latest blog breaks down the numbers, explores your pension options, and shows how to take control of your retirement.

Read it here: https://millbankfs.co.uk/2025/09/09/financial-empowerment-for-retirement-control/

02/10/2026

Your weekly News in Review is LIVE! 📰

Here’s what’s making the headlines this week:
➡️ To raise funds for the UK’s National Care Services, the triple lock will be adjusted from April 2030, rising every year by inflation or 2.5%, whichever is higher.
➡️ The latest OECD outlook has projected a rise in global GDP for 2026 and forecasts the UK economy will grow by 1.1%.
➡️ The head of the International Monetary Fund (IMF) urges the UK and US to take action to reduce spiralling debt costs.

👉 https://millbankfs.co.uk/2026/09/30/news-in-review-296/

Address

71 High Street
Arnold
NG57DJ

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 1pm

Website

http://www.millbankfs.co.uk/

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