Audley Wealth

Audley Wealth A genuinely fresh, no-nonsense approach to financial advice, pension and retirement planning and wealth management.

In April 2026, changes to Dividend Tax kicked in. While most of the Chancellor’s tax announcements from her November Bud...
22/06/2026

In April 2026, changes to Dividend Tax kicked in.

While most of the Chancellor’s tax announcements from her November Budget will commence towards the end of this Parliament, this was one of the most imminent changes.

Specifically, two bands increase by two percentage points…

Click the link to read our latest article:

https://audleywealth.com/guides/dividend-tax-whats-changed/

*Content is for informational purposes only.

The number of newbuy-to-let (BTL) loans advanced in the UK during Q3 2025 leapt by 22.7% year-on-year, new figures (UK F...
19/06/2026

The number of newbuy-to-let (BTL) loans advanced in the UK during Q3 2025 leapt by 22.7% year-on-year, new figures (UK Finance 2026) show.

Which locations are driving this resurgence? Hint: it’s not London.

With the changes brought about by the Renters’ Rights Bill due to come into force from May, the data suggest a surprisingly bright picture for landlords.

The total value of BTL loans in the third quarter was £10.9bn, up by 28.2% compared with Q3 in 2024.

This means that there were 1.44 million BTL fixed-rate mortgages outstanding in Q3 2025, a rise of 2.3% on the previous year.

Also on the up, the average gross BTL rental yield for the UK in Q3 was 7.15%, ahead of 6.93% in the same quarter in the previous year.

These averages mask strong regional differences, with analysts suggesting that the UK’s buy-to-let market is moving northwards.

Manchester, Leeds, Birmingham and Sheffield are all gaining a reputation as BTL hotspots, thanks to large populations of students and young professionals.

In fact, Wales has the best rental yields in the country at 8.83%, separate research (Paragon Bank 2026) found, with the North East close behind at 8.2%.

With affordability tightening in London, it seems that lower-cost properties outside the capital now represent better value for many investors.

Rental yields can fluctuate and are not guaranteed. Property values may fall as well as rise.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

Securing a mortgage can feel like the pivotal step in achieving financial independence. Yet, too many mortgage holders a...
16/06/2026

Securing a mortgage can feel like the pivotal step in achieving financial independence.

Yet, too many mortgage holders are taking on this major commitment without protecting their financial freedom, new research warns.

More than one in three UK mortgage holders have no life, income or critical illness cover, the research (LifeSearch and HomeOwners Alliance 2025) found, meaning that millions of households lack the certainty that they would be able to keep up with their mortgage payments if they were to suddenly experience a loss of income.

Worse, the research found that almost half of mortgage holders would struggle to make their monthly repayments within six months of losing their income.

To stay afloat, many suggested they would have to borrow or sell valuables.

As a mortgage holder, you may feel that your financial security is now assured.

However, in the event that you were no longer able to work, the financial situation you have worked so hard to reach could quickly unravel.

Income protection may help support you if you cannot work, depending on the policy terms.

One in five mortgage holders said they would borrow money from family or friends if they could not keep up with payments.

The same proportion would sell valuables such as their car or jewellery, while 8% would try to take out a bank loan.

Instead of these reactive measures, being proactive can leave you in a much better position.

To protect your future finances, income protection and life insurance cover ensure you and your loved ones will be able to keep up payments - whatever life throws at you.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

Almost one in five first-time buyers are searching for mortgages below 60% loan-to-value (LTV), suggesting some can put ...
12/06/2026

Almost one in five first-time buyers are searching for mortgages below 60% loan-to-value (LTV), suggesting some can put down large deposits of around 40% (Moneyfacts 2025/26).

However, most still rely on higher loan-to-value deals, with 31% opting for 90% and 10% for 95% mortgages.

Those with smaller deposits could pay about £134 more monthly, highlighting widening affordability pressures and a growing financial divide between buyers.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

Review - Pensions“As our retirement date was approaching we needed advise with regard to managing various pensions and f...
11/06/2026

Review - Pensions

“As our retirement date was approaching we needed advise with regard to managing various pensions and financial planning for the future. Audley advised to amalgamate three of my pensions leaving my active pension open until retirement date. They also advised me how to mitigate my income tax with regards to my tax free lump sum. I was hoping to receive a higher rate of interest on my combined pensions and Audley has made this possible.”

If you need assistance with your pensions, get in touch with our team today:

E: [email protected]
T: 01727 227557

• IHT is a tax charge based on the value of someone’s estate when they die, though currently any transfer to a surviving...
05/06/2026

• IHT is a tax charge based on the value of someone’s estate when they die, though currently any transfer to a surviving spouse or civil partner is exempt

• An estate includes property, savings, investments, personal possessions and other assets held in the deceased’s name

• Currently, estates worth more than £325,000 may be taxed on the amount above this level

• The standard IHT rate is 40%, although this can reduce to 36% if at least 10% of the estate is left to charity

• There is an extra allowance (£175,000) when leaving a main residence to direct descendants (children, stepchildren or grandchildren), which can increase the tax-free amount

• The tax is usually paid by the executor(s) of the estate before assets are distributed to beneficiaries

• Making lifetime gifts, within certain rules and allowances, can help reduce the value of an estate over time

• In some cases, placing assets into trusts may help with passing on wealth while
keeping a level of control, but this can be complex

• Planning ahead may help reduce the amount of tax due, but the rules can be complicated

• Seeking professional advice can help ensure you understand your options and make informed decisions for yourself and your family.

Gifting and trust strategies can have tax implications and may not be suitable for everyone.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

It can be easy to disengage when you see the statistics about how much you’ll need for a comfortable retirement, especia...
02/06/2026

It can be easy to disengage when you see the statistics about how much you’ll need for a comfortable retirement, especially when you’re working hard and the demands of life, both financial and family, take precedence.

It can make saving enough into your pension feel completely unattainable.

The pandemic shifted priorities for a lot of families – making memories, enjoying life and spending time together now feels more important than ever.

In some cases, this is reinforced by expectations of an inheritance from Baby Boomer parents, but this is not something you can rely on.

With changing tax rules around pensions and Inheritance Tax, you may inherit less than you expect, or later than you expect, making it even more important to stand on your own two feet financially.

Click the link to read our latest article:

https://audleywealth.com/guides/small-steps-to-securing-your-financial-future-it-is-attainable/

*Content is for informational purposes only.

Property wealth accounts for a significant share of IHT-paying estates, particularly in London, where it represents 47% ...
29/05/2026

Property wealth accounts for a significant share of IHT-paying estates, particularly in London, where it represents 47% of total estate value, according to a new report (FOI 2026).

Comparable figures stand at 42% in the South East and East of England, 36% South West and 33% East Midlands, with most regions reporting property making up around a third or more of taxable estates.

In the 2022/23 financial year (the most recent data available), the average property value within London estates exceeded £862,000, contributing to an overall average estate value of more than £1.6m.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

Investors are constantly navigating changing narratives. Last year markets rebounded to reach new highs following Presid...
27/05/2026

Investors are constantly navigating changing narratives.

Last year markets rebounded to reach new highs following President Trump’s spring trade announcements, despite ongoing geopolitical and economic uncertainty.

More recently, the conflict in the Middle East has prompted more market moves.

Click the link to read our latest article:

https://audleywealth.com/guides/the-power-of-participation-markets-move-participation-matters/

*Content is for informational purposes only.

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