Equitas Financial UK

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/2026/03/11/a-s… #EquityRelease #LaterLifeFinance

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/2026/03/03/int…

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/2026/03/03/eco… #UKEconomy #Inflation #InterestRates #FTSE100 #PlymouthFinance #EquitasFinancial

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/2026/02/17/mon…

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/2026/02/10/key…

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/2026/01/28/kic…

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/2026/01/20/fut… #Budget2026 #TaxPlanning

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/2026/01/20/loo…

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/2026/01/06/loo… #FinancialPlanning #NewYearGoals #WealthManagement

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/2025/12/16/own…

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/2025/12/16/whe… #InheritanceTax #Gifting #EstatePlanning #PlymouthFinance

Many women have not been educated about life insurance and believe they can’t afford it compared to men. Life insurance provides financial support to loved ones if the policyholder dies during its term. equitasfinancial.net/2025/12/09/lif… #LifeInsurance #FinancialProtection #Plymouth

More families now prioritise intergenerational planning, driven by record IHT receipts and policy changes. Only half of advised clients have IHT solutions in place. Women are set to control 60% of UK private wealth by 2025 but remain under-advised. equitasfinancial.net/2025/12/09/cli…

More first-time buyers are purchasing homes later in life to manage affordability challenges. Longer mortgage terms help keep monthly payments manageable but extend debt into later years. equitasfinancial.net/2025/12/02/buy… #MortgageAdvice #FirstTimeBuyer #PlymouthFinance

Unspent pensions will be included in IHT calculations from 2027. This major change affects estate planning for many. Review your arrangements now to minimise tax impact. equitasfinancial.net/2025/11/18/uns… #InheritanceTax #PensionPlanning #EstatePlanning #PlymouthFinance #EquitasFinancial

For every £1 in a man’s pension pot, a woman has just 42p. Career breaks, part-time work and lower wages widen the gender pensions gap. Purposeful contributions and proactive planning can help women build stronger retirement security. equitasfinancial.net/2025/11/18/wom… #GenderPensionGap

Buyers can be swayed by seasonal features. Winter buyers prioritise warmth – 41% would pay more for energy-efficient features. Summer buyers want gardens & pools. equitasfinancial.net/2025/11/04/sel… #PropertyMarket #SellingYourHome #PlymouthFinance #EquitasFinancial

A third of people expecting £300k+ inheritance don’t fully understand IHT. Only 20% plan lifetime transfers, 22% avoid inheritance discussions, 28% don’t understand planning options. equitasfinancial.net/2025/10/21/in-… #InheritanceTax #FinancialPlanning #PlymouthFinance

The Mortgage Guarantee Scheme is now permanently available across the UK. Lenders are insured against losses, supporting high LTV mortgages. Read our latest blog on the topic equitasfinancial.net/2025/10/21/mor… #MortgageAdvice #HomeBuying #PlymouthFinance #EquitasFinancial

38% of UK adults make major financial decisions while walking. Gain clarity on pensions or investments with our blog, “Financial Decisions – Put Your Best Foot Forward” equitasfinancial.net/2025/10/21/fin… #FinancialPlanning #WealthManagement #PlymouthFinance