{"componentChunkName":"component---src-templates-blog-post-js","path":"/learn/articles/autumn-budget-2025-key-takeaways-you-need-to-know/","result":{"data":{"post":{"enableComments":true,"enableGatedContent":null,"gateStyle":null,"hideRelatedContent":null,"noIndexExternal":null,"emailSignupWidgetTitle":null,"emailSignupWidgetImage":null,"emailSignupWidgetParagraphText":null,"textNextToKey":null,"emailSignupWidgetButtonText":null,"brazeCustomAttributes":[],"emailSignupWidgetTextboxPlaceholder":null,"_rawGatedContentBody":null,"_rawGatedContentReadMoreText":null,"id":"-64b9ef12-eea2-5ee5-af83-4cb0658aed47","_id":"3785b55c-00c7-4f4a-a803-2f870d409543","_rev":"GZoZ56nN9F0Fzt2jwB2nAx","_updatedAt":"2025-11-28T13:20:50Z","publishedAt":"2025-11-26T18:47:58.032Z","_type":"post","categories":[{"_id":"dd0844ff-d219-41f0-9006-8cc97e1faff1","title":"Tax"},{"_id":"4f6b3a94-9186-4d63-8b72-5c574318f022","title":"News"}],"mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-42dd16a580e9fb65b2c8d4652a687e06d23c2b80-1920x1080-png"},"alt":null},"title":"Autumn Budget 2025: Key takeaways you need to know","subtitle":null,"template":null,"hideSocialIconsTop":null,"slug":{"current":"autumn-budget-2025-key-takeaways-you-need-to-know"},"_rawExcerpt":[{"_key":"d57c8e867dc5","_type":"block","children":[{"_key":"f28ecb62c840","_type":"span","marks":[],"text":"Autumn Budget 2025 breakdown: frozen tax thresholds, Cash ISA cuts, salary sacrifice caps, mansion tax & more. 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What's actually changing? And how does any of it affect you? We've pulled together the main takeaways so you can walk away from the Budget armed with the knowledge of how it impacts your finances and if you need to take action."}],"markDefs":[],"style":"normal"},{"_key":"aff2fb782d34","_type":"block","children":[{"_key":"a8914f008393","_type":"span","marks":[],"text":"Let's dive in."}],"markDefs":[],"style":"normal"},{"_key":"6c522cd42b96","_type":"textboxWidget","text":[{"_key":"f026330ab27a","_type":"block","children":[{"_key":"afe43d978798","_type":"span","marks":[],"text":"In a nutshell "}],"markDefs":[],"style":"h4"},{"_key":"e47e72c7ab50","_type":"block","children":[{"_key":"9aa1c37d9f43","_type":"span","marks":["strong"],"text":"1.\tFrozen Thresholds until 2031"},{"_key":"f42c77f489e9","_type":"span","marks":[],"text":" – all earners will pay more tax as earnings go up and pull more income into higher tax bands = ouch\n"},{"_key":"89722648df54","_type":"span","marks":["strong"],"text":"2.\tFrom April 2027 the cash ISA threshold will be cut to £12,000 for the under 65s "},{"_key":"6e959171ae77","_type":"span","marks":[],"text":"– the shares ISA limit will stay at £20,000\n"},{"_key":"0e226f23685f","_type":"span","marks":["strong"],"text":"3.\tSavings and dividend tax will go up by 2% so the basic rate will go up to 22%"},{"_key":"a5f100ab28e4","_type":"span","marks":[],"text":" - remember basic rate taxpayers get £1,000 savings tax-free still\n"},{"_key":"935548111d27","_type":"span","marks":["strong"],"text":"4.\tLandlords will pay an extra 2%"},{"_key":"c72ce717b3c5","_type":"span","marks":[],"text":" on income made from property from April 2027\n"},{"_key":"68bdf922a181","_type":"span","marks":["strong"],"text":"5.\tEnergy bills "},{"_key":"126a3eb8f25a","_type":"span","marks":[],"text":"–"},{"_key":"eab99973b2c5","_type":"span","marks":["strong"],"text":" "},{"_key":"b315cbc4a82e","_type":"span","marks":[],"text":"a reduction from next April of about £150 per household bill\n"},{"_key":"7cbdc35165ca","_type":"span","marks":["strong"],"text":"6.\tMansion Tax"},{"_key":"6f232af0d557","_type":"span","marks":[],"text":" – an extra council tax levy for properties in England from April 2028 on between £2,500 for £2 million properties up to £7,500 on £5 million + houses\n"},{"_key":"e14d37378e31","_type":"span","marks":["strong"],"text":"7.\tSalary sacrifice "},{"_key":"00af612e6e34","_type":"span","marks":[],"text":"–"},{"_key":"02e465aebe65","_type":"span","marks":["strong"],"text":" "},{"_key":"c20c0f22290f","_type":"span","marks":[],"text":"from April 2029 there will be a limit of £2,000 a year on what you can pay into a pension free from tax and NI\n"},{"_key":"b8a83d5dfe36","_type":"span","marks":["strong"],"text":"8.\tState Pension "},{"_key":"ed0266a8c092","_type":"span","marks":[],"text":"– will rise 4.8% from April next year, up around £550 a year but watch out – in a few years this will drag some pensioners into paying tax\n"},{"_key":"192f2ce61ddb","_type":"span","marks":["strong"],"text":"9.\tVCTS "},{"_key":"f6b0024d8e7b","_type":"span","marks":[],"text":"– liked by higher-rate taxpayers the tax relief on these will fall from 30% to 20% from April 2026\n"},{"_key":"ce361edf4240","_type":"span","marks":["strong"],"text":"10.\tEnd to the 2-child benefit limit "},{"_key":"e2db4bc05423","_type":"span","marks":[],"text":"–"},{"_key":"b81547349426","_type":"span","marks":["strong"],"text":" "},{"_key":"c616a4faef16","_type":"span","marks":[],"text":"people on universal credit will get additional benefits if they have more than 2 children\n"},{"_key":"72c2239f22c4","_type":"span","marks":["strong"],"text":"11.\tBus fares, train fares and prescriptions have been frozen"},{"_key":"9e49eede2a4a","_type":"span","marks":[],"text":" next year AND there will be a milkshake tax – on sugary drinks and canned lattes!\n"}],"markDefs":[],"style":"normal"}]},{"_key":"591c086c174b","_type":"block","children":[{"_key":"41dc93b1ac8a","_type":"span","marks":[],"text":""},{"_key":"aec29389d1e8","_type":"mainAnchor","pageAnchor":{"_id":"ca45fca0-b354-44e7-bf11-2502d39c578f","_type":"anchorCategory","_rev":"lz9D5PWofIUHM5I9R1pFDh","_createdAt":"2024-10-30T11:21:40Z","_updatedAt":"2024-10-30T11:21:43Z","AnchorName":"reactions","id":"-aba85dd0-35dd-560b-9455-90b9e09c36f1","children":[],"parent":null}},{"_key":"37a554c06bed0","_type":"span","marks":[],"text":"Budget Reactions"}],"markDefs":[],"style":"h2"},{"_key":"365f275a7e05","_type":"block","children":[{"_key":"5ac2940889c5","_type":"span","marks":[],"text":"We’ll tell you what has been said. What is actually changing? And how does any of it affect you? We've pulled together the main takeaways so you can walk away from the Budget armed with the knowledge of how it impacts your finances and how you can respond."}],"markDefs":[],"style":"normal"},{"_key":"42c4d8338e98","_type":"block","children":[{"_key":"0f423ddb8c64","_type":"span","marks":[],"text":"In summary, this Budget was:"}],"markDefs":[],"style":"normal"},{"_key":"71bb25db4d92","_type":"prosConsWidget","pros":["Financial markets","Low-income parents with more than 2 children","Labour backbenchers","People earning the National Minimum Wage","Commuters","People who like Bingo!"],"prosTitle":"Good for "},{"_key":"71ed1ed07349","_type":"block","children":[{"_key":"0f423ddb8c64","_type":"span","marks":[],"text":" "}],"markDefs":[],"style":"normal"},{"_key":"df33ef231768","_type":"prosConsWidget","cons":["All income taxpayers","Landlords","Higher-rate taxpayers","Those who use salary sacrifice","People with dividend income","People who own homes worth more than £2 million ","Investors in VCTs","People who like milkshakes and vaping"],"consTitle":"Tough news for","pros":["","","","","","",""]},{"_key":"907514dc7985","_type":"block","children":[{"_key":"cae230c965cd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"928c5a51b0f6","_type":"block","children":[{"_key":"f10988d7d317","_type":"span","marks":[],"text":"The biggest change for most of us is the innocuous-sounding freezing of income tax thresholds until 2031. This will drag more and more people into higher tax bands. For example, wealth manager Quilter has estimated this could cause a worker earning £44,000 to be £3,000 worse off over the next four years."}],"markDefs":[],"style":"normal"},{"_key":"d184c4a9d1a7","_type":"block","children":[{"_key":"503fb03b6883","_type":"span","marks":[],"text":""},{"_key":"68f7012704d1","_type":"mainAnchor","pageAnchor":{"_id":"3085a3c1-c815-419b-8458-1b39252ce375","_type":"anchorCategory","_rev":"irz4B3n7489RknwNMGMJom","_createdAt":"2025-05-21T12:00:10Z","_updatedAt":"2025-05-21T12:00:12Z","AnchorName":"outlook","id":"-0059548d-8d0a-55f5-9de9-ac576240973a","children":[],"parent":null}},{"_key":"530249584338","_type":"span","marks":[],"text":"1. Economic Outlook"}],"markDefs":[],"style":"h2"},{"_key":"5ef1d532bcf4","_type":"block","children":[{"_key":"361fb5154f6e","_type":"span","marks":[],"text":"In the lead-up to this Budget, the nation watched with concern as speculation mounted about the government's plans to plug an estimated £20-30 billion hole in public finances. On the day, the event itself was as dramatic as the lead-up."}],"markDefs":[],"style":"normal"},{"_key":"8917c6fabf8c","_type":"block","children":[{"_key":"7401f42d1622","_type":"span","marks":[],"text":"The Chancellor filmed a video on the morning of the Budget acknowledging that the British people were angry. Not as angry as she was a few hours later when some previously employed person at the OBR published the Budget early by accident. Ouch. "}],"markDefs":[],"style":"normal"},{"_key":"501234346b8e","_type":"block","children":[{"_key":"182244d39b52","_type":"span","marks":[],"text":"Looking at economic growth and the outlook, the Chancellor confirmed new OBR forecasts that GDP this year will grow by 1.5%, an improvement from the previous forecast. But from then on, forecasts have been downgraded. Next year, predictions have been downgraded to 1.4%, compared to an earlier forecast of 1.9%, so growth remains fairly anaemic."}],"markDefs":[],"style":"normal"},{"_key":"ef474811c0b7","_type":"block","children":[{"_key":"859b59192089","_type":"span","marks":[],"text":"What do the experts say?"}],"markDefs":[],"style":"h4"},{"_key":"0badd5d23b9f","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay","blankAltTag":true},"quote":[{"_key":"5b420342a0c6","_type":"block","children":[{"_key":"fa36e2264844","_type":"span","marks":[],"text":"Many people will remember the car crash that was Liz Truss’ infamous mini-Budget. Financial markets want stability and books that balance. They don’t worry about the cost of living for individuals or who pays what – they just want enough money in the pot to support all the government borrowing and expenditure. Rachel Reeves delivered a Budget in line with their expectations, so financial markets stayed broadly steady in the hours after the Budget. This matters because bond markets basically determine the future rate of borrowing so we don’t want them to spike out of control."}],"markDefs":[],"style":"normal"},{"_key":"3747c0ae34da","_type":"block","children":[{"_key":"833a63446a3f","_type":"span","marks":[],"text":"On this basis, Rachel Reeves met one of key goals of this Budget - financial market stability. "}],"markDefs":[],"style":"normal"}]},{"_key":"aa74080f7a80","_type":"block","children":[{"_key":"714cedbdabfe","_type":"span","marks":[],"text":""},{"_key":"859bc0bf3dcc","_type":"mainAnchor","pageAnchor":{"_id":"9eceaeae-1b02-4520-a548-0a6d1748f41b","_type":"anchorCategory","_rev":"E6uxTFSz7ZayCpJJZAcJKV","_createdAt":"2024-04-16T10:36:29Z","_updatedAt":"2024-04-16T10:36:29Z","AnchorName":"statepension","id":"-3e8434d3-631d-5664-a5e4-d6a59f31d896","children":[],"parent":null}},{"_key":"5ef39a4dd48a","_type":"span","marks":[],"text":"2. State Pension"}],"markDefs":[],"style":"h2"},{"_key":"a4ff7ea6f63e","_type":"block","children":[{"_key":"bf92d13cb2e3","_type":"span","marks":[],"text":"Current rules"}],"markDefs":[],"style":"h4"},{"_key":"27017b11ca91","_type":"block","children":[{"_key":"8091930d02fa","_type":"span","marks":[],"text":"At the moment, the government's Triple Lock guarantee stipulates the State Pension goes up each year by either 2.5%, inflation, or earnings growth - whichever is the highest figure. 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The Pensions Act 2014 legislated for occasional inquiries to assess \"whether the rules about pensionable age are appropriate\" and \"have regard to life expectancy\".[1]"}],"markDefs":[],"style":"normal"},{"_key":"a3f9a9a501dd","_type":"block","children":[{"_key":"db13f2a0a08f","_type":"span","marks":[],"text":"It stipulates the State Pension age must be informed by findings from two independent reports and consider \"linking State Pension age to life expectancy and the role of State Pension age in managing the long-term sustainability of the State Pension\".[2]"}],"markDefs":[],"style":"normal"},{"_key":"5a034e1fa5aa","_type":"block","children":[{"_key":"2a0c8fa62e2d","_type":"span","marks":[],"text":"State Pension age upcoming changes"}],"markDefs":[],"style":"h4"},{"_key":"310fcdb2180c","_type":"tableControl","rows":[{"_key":"f4c77c7c661d","_type":"row","cells":[{"_key":"00a7b5cb887d","_type":"cell","tableStyle":"W","value":[{"_key":"af9e7c1ed012","_type":"block","children":[{"_key":"cde5146f5ae5","_type":"span","marks":["strong"],"text":"Current State Pension Age"}],"markDefs":[],"style":"normal"}]},{"_key":"029e323f4c66","_type":"cell","tableStyle":"W","value":[{"_key":"51374614eff6","_type":"block","children":[{"_key":"c5fd7456a343","_type":"span","marks":["strong"],"text":"66"}],"markDefs":[],"style":"normal"}]}]},{"_key":"cd61fbf4eedd","_type":"row","cells":[{"_key":"c1f45f53a365","_type":"cell","tableStyle":"W","value":[{"_key":"482481cea5a6","_type":"block","children":[{"_key":"9236faa0ae3f","_type":"span","marks":[],"text":"From 2026-2028"}],"markDefs":[],"style":"normal"}]},{"_key":"43f36cf04ee9","_type":"cell","tableStyle":"W","value":[{"_key":"63b496d11f8b","_type":"block","children":[{"_key":"66b214d56073","_type":"span","marks":[],"text":"67"}],"markDefs":[],"style":"normal"}]}]},{"_key":"20ea92983f75","_type":"row","cells":[{"_key":"1821dedcb8b6","_type":"cell","value":[{"_key":"4e9ac1888beb","_type":"block","children":[{"_key":"765a8d39c639","_type":"span","marks":[],"text":"From 2044-2046"}],"markDefs":[],"style":"normal"}]},{"_key":"8acbb1c623c3","_type":"cell","tableStyle":"W","value":[{"_key":"5b8918a6ea9a","_type":"block","children":[{"_key":"b344198598ec","_type":"span","marks":[],"text":"68"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W"},{"_key":"e0476deb53cc","_type":"block","children":[{"_key":"f3f5f520111c","_type":"span","marks":["em"],"text":"Source: Department for Work & Pensions, 2025."}],"markDefs":[],"style":"small"},{"_key":"033872bab760","_type":"block","children":[{"_key":"0b820edbdaff","_type":"span","marks":[],"text":""},{"_key":"b5308a81d4a5","_type":"mainAnchor","pageAnchor":{"_id":"09680b41-2a83-4026-9fae-5dc08e5f6181","_type":"anchorCategory","_rev":"Md9PSTebx8LJ8lzXy6VWv5","_createdAt":"2023-04-06T12:16:21Z","_updatedAt":"2023-04-06T12:16:21Z","AnchorName":"howmuchstatepensionwilliget","id":"-0d030ce6-8e33-585a-893a-07114ab090af","children":[],"parent":null}},{"_key":"9e64dc58ee19","_type":"span","marks":[],"text":"How much State Pension will I get?"}],"markDefs":[],"style":"h2"},{"_key":"c15259975d33","_type":"block","children":[{"_key":"988d814fb129","_type":"span","marks":[],"text":"To find out how much State Pension you may get and when you can get it, the GOV.UK website has a handy State Pension forecast which you can use. 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The good news is that you can pay to plug the gaps - by getting 'credits' – which you can use to top up your NI contributions and get yourself more State Pension."}],"markDefs":[],"style":"normal"},{"_key":"806325d8df69","_type":"block","children":[{"_key":"c005c2fd3bfc0","_type":"span","marks":[],"text":"Previously, individuals of a certain age were able to pay to fill gaps in their NI contribution record dating back to 2006 in exchange for more State Pension. This was eligible for men born after 5 April 1951 and women born after 5 April 1953. However, as at 6 April 2025, you can only plug gaps going back six tax years."}],"markDefs":[],"style":"normal"},{"_key":"da9f749ab845","_type":"block","children":[{"_key":"b7cfad9df32e","_type":"span","marks":[],"text":"Filling gaps in your NI record will cost you approximately £824 per year (partial years cost less). For each year you fill, you get an extra 1/35th of State Pension - which works out at around £342. 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"}],"markDefs":[],"style":"normal"},{"_key":"7ec1c1bd7375","_type":"block","children":[{"_key":"2ea2e7115e55","_type":"span","marks":[],"text":"The government's MoneyHelper service has a great breakdown of how pensions work for self-employed people "},{"_key":"66b4762797ec","_type":"span","marks":["e4408cb38bde"],"text":"here"},{"_key":"ba5793ee7be3","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"e4408cb38bde","_type":"internalLinkPick","blank":true,"reference":{"_id":"5f20efea-a891-4fb0-86af-5d55f29b4094","_type":"linkCategory","_rev":"0tZ4EbW5SNx3N0C7GsE8ok","_createdAt":"2023-04-06T12:09:23Z","_updatedAt":"2023-04-06T12:09:23Z","description":"MoneyHelper - Pensions for self-employed.","url":"https://www.moneyhelper.org.uk/en/pensions-and-retirement/pensions-basics/pensions-for-self-employed-people","id":"-ad562cf6-b44e-5a04-b720-6f7d425910b7","children":[],"parent":null}}],"style":"normal"},{"_key":"440c3b502bda","_type":"block","children":[{"_key":"cc46df665567","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"9f6b6ddfaef7","_type":"block","children":[{"_key":"4f5400914c82","_type":"span","marks":["strong"],"text":"Self-employed retirement tips: Top pension planning strategies"}],"markDefs":[],"style":"normal"}],"_key":"a9e10394854f","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5775b807-ac97-4a04-8329-cb7734a2dbf9","_type":"post","_rev":"2Uug1CMbWpwPCq1wgCPQKQ","_createdAt":"2024-04-16T10:41:06Z","_updatedAt":"2026-03-30T11:10:50Z","_system":{"base":{"id":"5775b807-ac97-4a04-8329-cb7734a2dbf9","rev":"4ZYn96L2pyPcOhFTr0aXzC"}},"authors":[{"_key":"c7d05209fdad","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"9636cbd7f6cd","_type":"block","children":[{"_key":"bd9973ad5977","_type":"span","marks":[],"text":"By "},{"_key":"d841fca7b017","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"b6ebb6d1e642","_type":"block","children":[{"_key":"1563dfc963d2","_type":"span","marks":["strong"],"text":"Self-employed? You’re not alone. Around 4.4 million people in the UK now work for themselves[1], but when it comes to retirement planning, that independence can come at a cost. Boring Money research found that almost 40% of self-employed Brits don't have a pension[2], leaving them with few options for funding their retirement beyond the "},{"_key":"15032f0b2b14","_type":"span","marks":["4f2281ebe55a","strong"],"text":"State Pension"},{"_key":"266e840fbd68","_type":"span","marks":["strong"],"text":" - assuming they qualify. "}],"markDefs":[{"_key":"4f2281ebe55a","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}}],"style":"normal"},{"_key":"1a7a3ef32b70","_type":"block","children":[{"_key":"5d38927f0946","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5077f6aad5d5","_type":"mainImage","asset":{"_ref":"image-6047b91ca3edbfda86c7d4ca93bb7b7c7ad93131-1920x1080-png","_type":"reference"}},{"_key":"4d22903df861","_type":"anchorMenuMobile","title":"s"},{"_key":"c1f41d08b80c","_type":"block","children":[{"_key":"2003b71bc4bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e9c3cbc9fcdd","_type":"block","children":[{"_key":"9c5cb34dedd3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2307e3ac6f06","_type":"block","children":[{"_key":"27ebf395ed540","_type":"span","marks":[],"text":"That’s largely because navigating retirement planning as a self-employed person can feel overwhelming at the best of times and like a nightmare at the worst - but it doesn't have to be. A bit of admin today can help you secure a comfortable lifestyle once you're finally ready to put your feet up."}],"markDefs":[],"style":"normal"},{"_key":"493a4806466a","_type":"block","children":[{"_key":"0ee0ad17cf83","_type":"span","marks":[],"text":"In this guide, we'll break down three essential steps to retirement readiness: maximising your State Pension entitlement, embracing the Self-Invested Personal Pension (SIPP), and seeking financial advice. Let's dive in and make prepping for retirement a little less daunting."}],"markDefs":[],"style":"normal"},{"_key":"355fbf6e8bb2","_type":"block","children":[{"_key":"890ac13fdafc","_type":"span","marks":[],"text":""},{"_key":"943445df4448","_type":"mainAnchor","pageAnchor":{"_ref":"9eceaeae-1b02-4520-a548-0a6d1748f41b","_type":"reference"}},{"_key":"af0e88caf5270","_type":"span","marks":[],"text":"1) Boost your State Pension entitlement"}],"markDefs":[],"style":"h2"},{"_key":"1dc0787dcce2","_type":"block","children":[{"_key":"30d2d80905950","_type":"span","marks":[],"text":"The State Pension is the bedrock of your retirement income - especially for the self-employed. Making the most of your entitlement can stand you in significantly better stead for financial security in retirement."}],"markDefs":[],"style":"normal"},{"_key":"598a28ac3801","_type":"block","children":[{"_key":"21c76fb9fed2","_type":"span","marks":[],"text":"In 2025-26, the full new State Pension is £230.25 a week - about £11,973 a year. Not exactly champagne and caviar living, but an important safety net for those who don't have a "},{"_key":"5393df3770f8","_type":"span","marks":["04a0a7a94d72"],"text":"workplace pension"},{"_key":"dd60ae02b2b4","_type":"span","marks":[],"text":" scheme to fall back on."}],"markDefs":[{"_key":"04a0a7a94d72","_type":"internalLinkPick","reference":{"_ref":"44d52042-2125-46bc-9a05-58ce2c9d7039","_type":"reference"}}],"style":"normal"},{"_key":"77e333a90388","_type":"block","children":[{"_key":"c9c67d80396f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0bdf6c978043","_type":"textboxWidget","text":[{"_key":"929002e77e7f","_type":"block","children":[{"_key":"fecc7db25f2b","_type":"span","marks":["strong"],"text":"📝 To get the full new State Pension, you need:"}],"markDefs":[],"style":"normal"},{"_key":"e351f6746eb2","_type":"block","children":[{"_key":"07a9daad8f1a","_type":"span","marks":[],"text":"At least 35 qualifying years of National Insurance contributions (NICs)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9b15b47f80d2","_type":"block","children":[{"_key":"0296a846b6df","_type":"span","marks":[],"text":"A minimum of 10 years' contributions to receive "},{"_key":"eab6ee539487","_type":"span","marks":["em"],"text":"any"},{"_key":"9787d5fcf32d","_type":"span","marks":[],"text":" payments at all"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a0cc66794a18","_type":"block","children":[{"_key":"f421fad21a9f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3153bcb5262d","_type":"block","children":[{"_key":"7f1c9e8894b0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"02549042446b","_type":"block","children":[{"_key":"25f50247db6d","_type":"span","marks":[],"text":"Most self-employed people pay Class 2 or Class 4 NICs through their tax return. It’s worth double-checking your recent"},{"_key":"3eab99aea7c9","_type":"span","marks":["aaa2ffc3f9d2"],"text":" self-assessment returns"},{"_key":"67618a608e0b","_type":"span","marks":[],"text":" to ensure you're banking the contributions you need."}],"markDefs":[{"_key":"aaa2ffc3f9d2","_type":"internalLinkPick","reference":{"_ref":"62aa8c82-1544-442a-b6cc-c2420d36fc00","_type":"reference"}}],"style":"normal"},{"_key":"830e33a9e443","_type":"block","children":[{"_key":"9675dd62ea520","_type":"span","marks":[],"text":"If you’re not sure how much State Pension you’re set to receive by the time you retire, the HMRC website has a helpful State Pension forecast which can give you an estimate based on your current and future NIC record. It also gives you some tips on how you can plug any gaps in your record by making voluntary additional contributions."}],"markDefs":[],"style":"normal"},{"_key":"721a959abd01","_type":"block","children":[{"_key":"a9c7f4b38838","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"39cc23009a8d","_type":"block","children":[{"_key":"85479795176f","_type":"span","marks":["strong"],"text":"Get a State Pension forecast"}],"markDefs":[],"style":"normal"}],"_key":"b01a3d5b53ea","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"reference":{"_ref":"2e7d1f0a-6c48-4c71-984e-0c90a29cc169","_type":"reference"},"text":"START"},{"_key":"7acc17210d8d","_type":"block","children":[{"_key":"61d1a901093d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7b35248fc361","_type":"block","children":[{"_key":"f7cbe784753b","_type":"span","marks":[],"text":""},{"_key":"b111a402959b","_type":"mainAnchor","pageAnchor":{"_ref":"f2142221-cc37-48a2-a3e8-33a5ab8a989e","_type":"reference"}},{"_key":"c5215f29e9b80","_type":"span","marks":[],"text":"2) Set up a SIPP (Self-Invested Personal Pension)"}],"markDefs":[],"style":"h2"},{"_key":"afa9dd3ff6ad","_type":"block","children":[{"_key":"02503107f2bc","_type":"span","marks":[],"text":"Unlike employees, self-employed workers don’t benefit from automatic enrolment into a workplace pension scheme. In other words, if you don't sort your own pension, no one else will!"}],"markDefs":[],"style":"normal"},{"_key":"4f72968674a7","_type":"block","children":[{"_key":"b3bb87f2a499","_type":"span","marks":[],"text":"That’s where "},{"_key":"9bf65928738b","_type":"span","marks":["aa1327599d00"],"text":"SIPPs (Self-Invested Personal Pensions)"},{"_key":"55cc40bc1f8d","_type":"span","marks":[],"text":" come in. These retirement savings accounts can give self-employed individuals a flexible approach to saving for retirement – so rather than relying on an employer, you can build your pension pot on your own terms."}],"markDefs":[{"_key":"aa1327599d00","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"7f2c6d61e19f","_type":"block","children":[{"_key":"21250f8b7e97","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"978165146585","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"5b93db6301c9","_type":"block","children":[{"_key":"e2279e125fcf","_type":"span","marks":[],"text":"Why SIPPs are great for self-employed savers"}],"markDefs":[],"style":"h4"},{"_key":"a2c93155cc61","_type":"block","children":[{"_key":"8176c8ceac82","_type":"span","marks":[],"text":"🧩 "},{"_key":"395cc0ad0d42","_type":"span","marks":["strong"],"text":"Flexibility"},{"_key":"6ab51a4f4594","_type":"span","marks":[],"text":"\nYou can customise your retirement savings by picking your own investments - from "},{"_key":"243ca8c6c649","_type":"span","marks":["616a3c48d55d"],"text":"shares"},{"_key":"47919a8f87c2","_type":"span","marks":[],"text":" and "},{"_key":"85c4e64b69e2","_type":"span","marks":["e0256d4d3926"],"text":"funds"},{"_key":"b3ae9f06c55a","_type":"span","marks":[],"text":" to "},{"_key":"faa84b22d949","_type":"span","marks":["c028716803ef"],"text":"ETFs"},{"_key":"1b96d5527bff","_type":"span","marks":[],"text":" and "},{"_key":"f348c0a54e45","_type":"span","marks":["13c8837dc072"],"text":"bonds"},{"_key":"ccc2d1d69a28","_type":"span","marks":[],"text":" - or choose a "},{"_key":"3d35f57a1e35","_type":"span","marks":["54830aa92e1d"],"text":"ready-made "},{"_key":"9b633b12cd7c","_type":"span","marks":[],"text":"option if you’d rather not faff. You’re not stuck with a narrow range like in some workplace schemes."}],"markDefs":[{"_key":"616a3c48d55d","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"e0256d4d3926","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"c028716803ef","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"13c8837dc072","_type":"internalLinkPick","reference":{"_ref":"583a0e19-d23d-4df3-989f-54c2368f0d41","_type":"reference"}},{"_key":"54830aa92e1d","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"11f7542423be","_type":"block","children":[{"_key":"fc8bb25a8a29","_type":"span","marks":[],"text":"💷 "},{"_key":"785d932ba9a4","_type":"span","marks":["strong"],"text":"Tax relief"},{"_key":"fd50e92c770e","_type":"span","marks":[],"text":"\nContributions you make into a SIPP get a government top-up in the form of tax relief:"}],"markDefs":[],"style":"normal"},{"_key":"872ffb59b616","_type":"block","children":[{"_key":"760a7f948c91","_type":"span","marks":[],"text":"Basic rate taxpayers: 20%"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cfe9b70b6326","_type":"block","children":[{"_key":"66694607c028","_type":"span","marks":[],"text":"Higher rate: 40%"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4e279d92c772","_type":"block","children":[{"_key":"92908239aed9","_type":"span","marks":[],"text":"Additional rate: 45%"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"323b1ffe8beb","_type":"block","children":[{"_key":"91c2b12e67e1","_type":"span","marks":[],"text":"In other words, if you put £100 into your pot, it would only cost a higher rate taxpayer £60 once tax relief is factored in."}],"markDefs":[],"style":"normal"},{"_key":"322b6eb7386d","_type":"block","children":[{"_key":"bb891b46f9d9","_type":"span","marks":[],"text":"📊 "},{"_key":"e0717c7bec68","_type":"span","marks":["strong"],"text":"Control"},{"_key":"5276e48c71f6","_type":"span","marks":[],"text":"\nFinally, you've got the freedom to adjust your strategy as your income or goals change - especially relevant for the self-employed. If you have a good year, squirrel away more. If cash is tight, pause your contributions. You're in charge."}],"markDefs":[],"style":"normal"}]},{"_key":"1c325f4a0e00","_type":"block","children":[{"_key":"61950f0654aa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dcf85b3d81a1","_type":"block","children":[{"_key":"da6b44655c12","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"87b1393059a6","_type":"block","children":[{"_key":"89c29e69c0aa0","_type":"span","marks":[],"text":"When it comes to picking the right SIPP provider, it’s easy to feel overwhelmed by choice. After all, you’re deciding where to stash your life savings – it's no easy decision! "}],"markDefs":[],"style":"normal"},{"_key":"dd8e2a1a7de1","_type":"block","children":[{"_key":"1e601a2b4f0b","_type":"span","marks":[],"text":"Ideally, you want a provider with a transparent fee structure so you understand what you’re paying for the service, a user-friendly platform, and maybe even a wide range of investment options so you can pick ‘n’ mix your perfect portfolio."}],"markDefs":[],"style":"normal"},{"_key":"877d4298ceed","_type":"block","children":[{"_key":"051cb67b3daa0","_type":"span","marks":[],"text":"The key to finding the best pension provider for you is to shop around. We can help you here. Check out our 2025 Best Buy Pension award winners below - hand-picked by our experts for value, service and user experience."}],"markDefs":[],"style":"normal"},{"_key":"3dbc66d33c5d","_type":"block","children":[{"_key":"9cab9d866001","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b40e6385bbe9","_type":"block","children":[{"_key":"c88fa8efe46c","_type":"span","marks":["strong"],"text":"Discover the Boring Money Best Buy Pension winners"}],"markDefs":[],"style":"normal"}],"_key":"1751403e4347","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"d59e0a0a-cd68-4fd0-86b0-36b376011dcb","_type":"reference"},"text":"SHOW ME"},{"_key":"cc565d631e8d","_type":"block","children":[{"_key":"865e2a604b51","_type":"span","marks":[],"text":""},{"_key":"16ee90bd8500","_type":"mainAnchor","pageAnchor":{"_ref":"5fbf5762-cd04-4f48-960a-37f392517eb2","_type":"reference"}},{"_key":"1fdd75c0a8250","_type":"span","marks":[],"text":"3) Don't DIY everything - Consider financial advice"}],"markDefs":[],"style":"h2"},{"_key":"11cdd9ecbc58","_type":"block","children":[{"_key":"92b1b9cb431a","_type":"span","marks":[],"text":"You’re already juggling work, taxes and running a business - so why not outsource your retirement planning to someone who lives and breathes this stuff?"}],"markDefs":[],"style":"normal"},{"_key":"630f95eaca12","_type":"block","children":[{"_key":"e1fb21daf3e0","_type":"span","marks":[],"text":"A qualified financial adviser can help you build a solid retirement plan based on your goals, income, and"},{"_key":"96105abad271","_type":"span","marks":["93a150f42003"],"text":" risk tolerance"},{"_key":"536183026d57","_type":"span","marks":[],"text":". They can also stress-test your plan with cashflow modelling, which shows how long your money might last (based on spending, inflation, growth and more)."}],"markDefs":[{"_key":"93a150f42003","_type":"glossaryPick","reference":{"_ref":"5c1b3b32-e538-4348-9962-230c72bb1e7d","_type":"reference"}}],"style":"normal"},{"_key":"c81c70a2fdc7","_type":"block","children":[{"_key":"52a749531862","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"90310e2c6e94","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"44b2c10b8572","_type":"block","children":[{"_key":"6b5e5343be1f","_type":"span","marks":["strong"],"text":"Here’s what you might get from proper advice:"}],"markDefs":[],"style":"normal"},{"_key":"0c0ac1e92511","_type":"block","children":[{"_key":"90fbf77902cb","_type":"span","marks":[],"text":"🧠 Expertise tailored to you - not a one-size-fits-all YouTube video\n📅 Long-term thinking - factoring in changing income or life events\n🚧 Risk management - spotting issues before they become expensive mistakes"}],"markDefs":[],"style":"normal"}]},{"_key":"79096cd629d8","_type":"block","children":[{"_key":"4985df424fc2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"83d047030792","_type":"block","children":[{"_key":"bb6a516030cd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ef39be4e06bf","_type":"block","children":[{"_key":"7608bfbd41540","_type":"span","marks":[],"text":"There are a few different options here. You could opt for fully-fledged, traditional "},{"_key":"5af1b94f08a4","_type":"span","marks":["f4b7d065399c"],"text":"financial advice"},{"_key":"0ad630ed01f9","_type":"span","marks":[],"text":" from a Chartered Financial Planner or Independent Financial Adviser (IFA) – where you’ll get all the bells and whistles but should expect to pay accordingly. This could include an upfront fee of about 3% of your total assets, around 0.5-2% as an ongoing advisory fee, or between £150-200 per hour. Many advisers will also only take on work for people with a pension worth at least £100,000 - so bear this in mind if you have a smaller pot. 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It will go up again to 67 between 2026 - 2028, and 68 between 2044 - 2046."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7ce2ad05e49c","_type":"block","children":[{"_key":"1e9792642754","_type":"span","marks":[],"text":"You can get a State Pension forecast on the GOV.UK website to see how much you could get and when."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"89da3bf2a197","_type":"block","children":[{"_key":"1a7ffe3d21d0","_type":"span","marks":[],"text":""},{"_key":"d643afedbaf8","_type":"mainAnchor","pageAnchor":{"_ref":"324318c3-df5b-48b0-b1e9-a9ca1902ed41","_type":"reference"}},{"_key":"a3ed12372110","_type":"span","marks":[],"text":"The basics of the UK State Pension"}],"markDefs":[],"style":"h2"},{"_key":"b96541cfa7ad","_type":"block","children":[{"_key":"00e7b0f2aa98","_type":"span","marks":[],"text":"The state pays you an income after you have retired - this is called your State Pension. It's not a fortune, but is intended to ensure we all have a basic amount of money to support us in our old age. "}],"markDefs":[],"style":"normal"},{"_key":"d9cce968fdd0","_type":"block","children":[{"_key":"060b2909c2a4","_type":"span","marks":[],"text":"Your entitlement is linked to your National Insurance contributions and you will only receive the full amount if you have paid these for a certain number of years. The good news is that these don't all have to be consecutive. As long as you have paid NI for the specified number of years, you will be eligible for the full State Pension amount. "}],"markDefs":[],"style":"normal"},{"_key":"7cd5dda7dace","_type":"block","children":[{"_key":"c3f65ae420a2","_type":"span","marks":[],"text":"There are two types of State Pension which have slightly different rules and eligibility depending on whether you're a man or a woman and when you were born.  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For the 2026-27 tax year, the full New State Pension is £241.3 a week or £12,548 a year."}],"markDefs":[],"style":"normal"},{"_key":"d853eb36c9d0","_type":"block","children":[{"_key":"20d0c42ffe3d","_type":"span","marks":[],"text":"You must have paid NI contributions for a minimum of 10 years to qualify for any New State Pension and you must have 35 years of contributions to qualify for the full New State Pension."}],"markDefs":[],"style":"normal"},{"_key":"3addcfdf23b8","_type":"block","children":[{"_key":"4d8c1b68d2f8","_type":"span","marks":[],"text":"If you have fewer than the minimum number of 35 qualifying years of NI contributions, the amount of New State Pension you receive will be less than the full £232.25 a week."}],"markDefs":[],"style":"normal"},{"_key":"e22786b3848d","_type":"block","children":[{"_key":"a7133f414f6b","_type":"span","marks":[],"text":""},{"_key":"65554faee71b","_type":"mainAnchor","pageAnchor":{"_ref":"7293ea82-9217-4cdc-85f4-5bce05105700","_type":"reference"}},{"_key":"2f8fa2b440d3","_type":"span","marks":[],"text":"Basic State Pension"}],"markDefs":[],"style":"h3"},{"_key":"f5fe24f35ba4","_type":"block","children":[{"_key":"164562c21d600","_type":"span","marks":[],"text":"If you're a man born after 6 April 1945 and before 6 April 1951 or a woman born after 5 April 1950 and before 6 April 1953, you are entitled to the Basic State Pension. For the 2026-27 tax year, the full Basic State Pension is £184.90 per week or £9,614.8 a year."}],"markDefs":[],"style":"normal"},{"_key":"854092d8a450","_type":"block","children":[{"_key":"a33542779de4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1d14da422b3a","_type":"block","children":[{"_key":"88086cfe81f00","_type":"span","marks":[],"text":"If you have fewer than the minimum number of qualifying years, the amount of Basic State Pension you receive will be less than the full £184.90 per week."}],"markDefs":[],"style":"normal"},{"_key":"1a2a1b494746","_type":"block","children":[{"_key":"e84bf4b05e50","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a0a3f34d8a66","_type":"block","children":[{"_key":"81274b095bc8","_type":"span","marks":["strong"],"text":"Calculate your state pension age below"}],"markDefs":[],"style":"normal"},{"_key":"6b53c679739d","_type":"retirementCalc","retTitle":"UK retirement calculator"},{"_key":"c1d55977c71b","_type":"block","children":[{"_key":"624899f8821c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2540f46d6880","_type":"block","children":[{"_key":"637a92e11d98","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d339ac9ee1a4","_type":"block","children":[{"_key":"38f85c358fac","_type":"span","marks":[],"text":""},{"_key":"5edab743e63d","_type":"mainAnchor","pageAnchor":{"_ref":"1b6ced62-7f07-4cc5-8328-a9c888d6d2ec","_type":"reference"}},{"_key":"e3f332eb1096","_type":"span","marks":[],"text":"What is the State Pension age and when does it change?"}],"markDefs":[],"style":"h2"},{"_key":"6d140678e488","_type":"block","children":[{"_key":"68647b42c09b","_type":"span","marks":[],"text":"The State Pension age is the minimum age you must be before you are able to receive your State Pension. It is currently 66, but is scheduled to be increased to 67 between 2026 and 2028, and again to 68 between 2044 and 2046. "}],"markDefs":[],"style":"normal"},{"_key":"31860fdd0926","_type":"block","children":[{"_key":"4edf80531f70","_type":"span","marks":[],"text":"In the UK, the State Pension age is periodically reviewed by the government. The Pensions Act 2014 legislated for occasional inquiries to assess \"whether the rules about pensionable age are appropriate\" and \"have regard to life expectancy\".[1]"}],"markDefs":[],"style":"normal"},{"_key":"a3f9a9a501dd","_type":"block","children":[{"_key":"db13f2a0a08f","_type":"span","marks":[],"text":"It stipulates the State Pension age must be informed by findings from two independent reports and consider \"linking State Pension age to life expectancy and the role of State Pension age in managing the long-term sustainability of the State Pension\".[2]"}],"markDefs":[],"style":"normal"},{"_key":"5a034e1fa5aa","_type":"block","children":[{"_key":"2a0c8fa62e2d","_type":"span","marks":[],"text":"State Pension age upcoming changes"}],"markDefs":[],"style":"h4"},{"_key":"310fcdb2180c","_type":"tableControl","rows":[{"_key":"f4c77c7c661d","_type":"row","cells":[{"_key":"00a7b5cb887d","_type":"cell","tableStyle":"W","value":[{"_key":"af9e7c1ed012","_type":"block","children":[{"_key":"cde5146f5ae5","_type":"span","marks":["strong"],"text":"Current State Pension Age"}],"markDefs":[],"style":"normal"}]},{"_key":"029e323f4c66","_type":"cell","tableStyle":"W","value":[{"_key":"51374614eff6","_type":"block","children":[{"_key":"c5fd7456a343","_type":"span","marks":["strong"],"text":"66"}],"markDefs":[],"style":"normal"}]}]},{"_key":"cd61fbf4eedd","_type":"row","cells":[{"_key":"c1f45f53a365","_type":"cell","tableStyle":"W","value":[{"_key":"482481cea5a6","_type":"block","children":[{"_key":"9236faa0ae3f","_type":"span","marks":[],"text":"From 2026-2028"}],"markDefs":[],"style":"normal"}]},{"_key":"43f36cf04ee9","_type":"cell","tableStyle":"W","value":[{"_key":"63b496d11f8b","_type":"block","children":[{"_key":"66b214d56073","_type":"span","marks":[],"text":"67"}],"markDefs":[],"style":"normal"}]}]},{"_key":"20ea92983f75","_type":"row","cells":[{"_key":"1821dedcb8b6","_type":"cell","value":[{"_key":"4e9ac1888beb","_type":"block","children":[{"_key":"765a8d39c639","_type":"span","marks":[],"text":"From 2044-2046"}],"markDefs":[],"style":"normal"}]},{"_key":"8acbb1c623c3","_type":"cell","tableStyle":"W","value":[{"_key":"5b8918a6ea9a","_type":"block","children":[{"_key":"b344198598ec","_type":"span","marks":[],"text":"68"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"ALL-W"},{"_key":"e0476deb53cc","_type":"block","children":[{"_key":"f3f5f520111c","_type":"span","marks":["em"],"text":"Source: Department for Work & Pensions, 2025."}],"markDefs":[],"style":"small"},{"_key":"033872bab760","_type":"block","children":[{"_key":"0b820edbdaff","_type":"span","marks":[],"text":""},{"_key":"b5308a81d4a5","_type":"mainAnchor","pageAnchor":{"_ref":"09680b41-2a83-4026-9fae-5dc08e5f6181","_type":"reference"}},{"_key":"9e64dc58ee19","_type":"span","marks":[],"text":"How much State Pension will I get?"}],"markDefs":[],"style":"h2"},{"_key":"c15259975d33","_type":"block","children":[{"_key":"988d814fb129","_type":"span","marks":[],"text":"To find out how much State Pension you may get and when you can get it, the GOV.UK website has a handy State Pension forecast which you can use. 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The good news is that you can pay to plug the gaps - by getting 'credits' – which you can use to top up your NI contributions and get yourself more State Pension."}],"markDefs":[],"style":"normal"},{"_key":"806325d8df69","_type":"block","children":[{"_key":"c005c2fd3bfc0","_type":"span","marks":[],"text":"Previously, individuals of a certain age were able to pay to fill gaps in their NI contribution record dating back to 2006 in exchange for more State Pension. This was eligible for men born after 5 April 1951 and women born after 5 April 1953. However, as at 6 April 2025, you can only plug gaps going back six tax years."}],"markDefs":[],"style":"normal"},{"_key":"da9f749ab845","_type":"block","children":[{"_key":"b7cfad9df32e","_type":"span","marks":[],"text":"Filling gaps in your NI record will cost you approximately £824 per year (partial years cost less). For each year you fill, you get an extra 1/35th of State Pension - which works out at around £342. This means you effectively earn your money back in around three years, so it can prove very good value."}],"markDefs":[],"style":"normal"},{"_key":"8cd4364db97f","_type":"block","children":[{"_key":"9239ee6a43750","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"56697684a825","_type":"block","children":[{"_key":"31341414c2ff","_type":"span","marks":["strong"],"text":"How can I top up my State Pension entitlement?"}],"markDefs":[],"style":"normal"}],"_key":"64df4e709838","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"7fb165cd-6350-4acf-853c-9020f0c1a257","_type":"reference"},"text":"FIND OUT"},{"_key":"acf529478d09","_type":"block","children":[{"_key":"159480505970","_type":"span","marks":[],"text":""},{"_key":"37f88c7d8f65","_type":"mainAnchor","pageAnchor":{"_ref":"cb0b2053-702d-4be6-bf0a-e0ceab6b047c","_type":"reference"}},{"_key":"3a3d0f262fd7","_type":"span","marks":[],"text":"Can I defer my State Pension?"}],"markDefs":[],"style":"h2"},{"_key":"8cff65f63c0a","_type":"block","children":[{"_key":"cef657a610ba","_type":"span","marks":[],"text":"You don't get your State Pension automatically - you have to claim it from the government. 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The government has pledged to maintain the State Pension triple lock guarantee. The increase from April 2026 will be 4.8%, in line with earnings growth last year. This means over 12 million pensioners will receive a boost to their State Pension payments of up to £575 per year."}],"markDefs":[],"style":"normal"},{"_key":"06794f574a30","_type":"block","children":[{"_key":"3644922edb48","_type":"span","marks":[],"text":"When does it happen?"}],"markDefs":[],"style":"h4"},{"_key":"51c608eec542","_type":"block","children":[{"_key":"a34f848d9f6b","_type":"span","marks":[],"text":"The State Pension increase will come into effect from the start of the new tax year on 6 April 2026. The full new State Pension will be £12,547.60 (up from £11,973)."}],"markDefs":[],"style":"normal"},{"_key":"d04cfe20ffc3","_type":"block","children":[{"_key":"3e09b3753bdd","_type":"span","marks":[],"text":"What do the experts say?"}],"markDefs":[],"style":"h4"},{"_key":"8954b2f2e72a","_type":"blockQuote","adviserName":"Lucie Spencer","jobTitle":"Partner in Financial Planning, Evelyn Partners","photo":{"_type":"mainImage","blankAltTag":true},"quote":[{"_key":"cb911c9eb3fa","_type":"block","children":[{"_key":"8be680f1c1c4","_type":"span","marks":[],"text":"The personal allowance freeze at £12,570 – which was also extended to 2029/30 today – does mean more state pensions will be taxed and that will accelerate in 2027/28 and subsequent years.[1] You won’t find many pensioners complaining about triple lock increases because of this, although plenty would argue that the personal allowance should be raised to remove the anomaly."}],"markDefs":[],"style":"normal"},{"_key":"5a45e3454512","_type":"block","children":[{"_key":"e4cacc5af2cf","_type":"span","marks":[],"text":"What concerns most people is how it will be taxed – at source or will state pensioners have to tackle the quite daunting self-assessment process? Currently the state pension will always be paid gross. If you have other PAYE income (e.g., from a private pension or employment), then HMRC will usually adjust the tax code on that income so that tax due on your state pension is collected through PAYE."}],"markDefs":[],"style":"normal"},{"_key":"7b70a79cea0f","_type":"block","children":[{"_key":"7acae559da8b","_type":"span","marks":[],"text":"If the state pension is your only income and exceeds the Personal Allowance, then HMRC will usually issue a Simple Assessment after the tax year ends, telling you how much tax you owe and how to pay it. If you have other income not taxed via PAYE (e.g., rental income, or from self-employment), then you may need to complete a self-assessment tax return."}],"markDefs":[],"style":"normal"}]},{"_key":"7d9ba1af7d48","_type":"block","children":[{"_key":"714cedbdabfe","_type":"span","marks":[],"text":""},{"_key":"859bc0bf3dcc","_type":"mainAnchor","pageAnchor":{"_id":"ab552643-7493-4c8f-b2ae-8fb932976b8e","_type":"anchorCategory","_rev":"beHzchM5CH7ObztOltNXb7","_createdAt":"2024-06-26T10:30:54Z","_updatedAt":"2024-06-26T10:30:54Z","AnchorName":"salarysacrifice","id":"-4c8ba0b1-a406-5e21-baa0-1604e4e00d8f","children":[],"parent":null}},{"_key":"95851ea7e01e","_type":"span","marks":[],"text":"3. Salary Sacrifice"}],"markDefs":[],"style":"h2"},{"_key":"33f4bce5c610","_type":"block","children":[{"_key":"6b61a9d2ec0b","_type":"span","marks":[],"text":"Current rules"}],"markDefs":[],"style":"h4"},{"_key":"081760045bbb","_type":"block","children":[{"_key":"4303ea52ef16","_type":"span","marks":[],"text":"Right now, employees can boost their pension through salary sacrifice arrangements, which save both the employee and employer National Insurance contributions. Employees give up part of their pre-tax salary in exchange for increased pension contributions, and because this happens before tax and NI are calculated, employees get this amount free from tax and National Insurance, and employers don't have to pay NI on it."}],"markDefs":[],"style":"normal"},{"_key":"1667863b0e5d","_type":"block","children":[{"_key":"274f2bfa05d9","_type":"span","marks":[],"text":"What's changing?"}],"markDefs":[],"style":"h4"},{"_key":"19e68f10f39c","_type":"block","children":[{"_key":"78ff57a394ea","_type":"span","marks":[],"text":"A £2,000 annual cap will be introduced for contributions into pensions made under salary sacrifice. Contributions above this amount will not benefit from National Insurance relief. This will impact both employees and employers."}],"markDefs":[],"style":"normal"},{"_key":"809f446c7e1e","_type":"block","children":[{"_key":"006b0bc01e36","_type":"span","marks":[],"text":"When does it happen? "}],"markDefs":[],"style":"h4"},{"_key":"19988fea09d4","_type":"block","children":[{"_key":"0062fdf3f2ab","_type":"span","marks":[],"text":"April 2029."}],"markDefs":[],"style":"normal"},{"_key":"8a0f909e2ad7","_type":"block","children":[{"_key":"42bb1bf69e5a","_type":"span","marks":[],"text":"Who does it impact? "}],"markDefs":[],"style":"h4"},{"_key":"dfd1d3f1344b","_type":"block","children":[{"_key":"2a42120c4429","_type":"span","marks":[],"text":"This will particularly impact higher earners who make substantial pension contributions through their workplace, as well as employers who would face increased NI costs. This could lead to less generous pensions contributions from larger firms who have previously offered well-subscribed salary sacrifice schemes."}],"markDefs":[],"style":"normal"},{"_key":"c1a2e8d190bd","_type":"block","children":[{"_key":"b4df61a7383d","_type":"span","marks":[],"text":"What do the experts say?"}],"markDefs":[],"style":"h4"},{"_key":"b8294635e122","_type":"blockQuote","adviserName":"Lisa Picardo","jobTitle":"Chief Business Officer UK, PensionBee ","quote":[{"_key":"a92f130fb33b","_type":"block","children":[{"_key":"d386beb5bbe0","_type":"span","marks":[],"text":"Capping National Insurance-efficient pension contributions at £2,000 by April 2029 to raise £4.7 billion would significantly weaken one of the most effective and accessible mechanisms workers have to build long-term savings through the workplace. Salary sacrifice has long enabled employees to contribute more to their pensions in a tax-efficient way. While a cap is preferable to scrapping the system entirely, it will still sharply limit how much many people can realistically afford to put aside for their future."}],"markDefs":[],"style":"normal"}]},{"_key":"4258e6b25112","_type":"block","children":[{"_key":"f606b9493caf","_type":"span","marks":[],"text":"Steve Webb, former Minister for Pensions, now partner at Lane Clark and Peacock, confirmed that the impact was not restricted to higher-rate taxpayers, "}],"markDefs":[],"style":"normal"},{"_key":"960222eae838","_type":"blockQuote","adviserName":"Steve Webb","jobTitle":"Partne, Lane Clark & Peacock ","quote":[{"_key":"4258e6b25112","_type":"block","children":[{"_key":"f606b9493caf","_type":"span","marks":[],"text":"Salary sacrifice change will affect about 25% of the basic-rate taxpayers who currently use it - over a million people."}],"markDefs":[],"style":"normal"}]},{"_key":"67af08936e55","_type":"blockQuote","adviserName":"Phil Hall","jobTitle":"Director of Policy & PR, The Society of Pension Professionals","quote":[{"_key":"0e417eecaef5","_type":"block","children":[{"_key":"6d74ab998500","_type":"span","marks":[],"text":"This will affect millions of workers but it will affect basic rate taxpayers more than higher rate taxpayers because the main rate of National Insurance Contributions is 8% for employees but it is only 2% on income above £50,270."}],"markDefs":[],"style":"normal"},{"_key":"88df62856da7","_type":"block","children":[{"_key":"6b463773763d","_type":"span","marks":[],"text":"“This will also affect thousands of employers given employer National Insurance is charged at 15% on all earnings above the Secondary Threshold (currently £5,000). A 2025 Aon Survey suggests 90% of employers offer salary sacrifice."}],"markDefs":[],"style":"normal"}]},{"_key":"be30c00d14d3","_type":"block","children":[{"_key":"f84020930221","_type":"span","marks":[],"text":""},{"_key":"313448834bc7","_type":"mainAnchor","pageAnchor":{"_id":"df650b2f-0807-4fa2-9cc8-38d3d6f4e7b7","_type":"anchorCategory","_rev":"1JE0g2KYDwn0eXbLuqCp3t","_createdAt":"2025-04-17T11:10:58Z","_updatedAt":"2025-04-17T11:10:59Z","AnchorName":"lumpsum","id":"-aaa269e2-fa0a-57f9-8953-27f45b72a181","children":[],"parent":null}},{"_key":"a99544933fcb","_type":"span","marks":[],"text":"4. 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After months of speculation leading to billions of pounds of early withdrawals, no mention was made of any changes in the Budget."}],"markDefs":[],"style":"normal"},{"_key":"c8c8909d112f","_type":"block","children":[{"_key":"9622151e324d","_type":"span","marks":[],"text":"Reminder:"}],"markDefs":[],"style":"h4"},{"_key":"5107b1281acc","_type":"block","children":[{"_key":"8b58df5dbf9c","_type":"span","marks":[],"text":"Changes announced in the Autumn Budget 2024, bringing pensions into Inheritance Tax from April 2027, remain on track. 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You'll need to have some paperwork to hand, including: your NI number, your bank or building society number and sort code, your doctor's contact details and more."}],"markDefs":[{"_key":"94f05eea52f6","_type":"internalLinkPick","blank":true,"reference":{"_ref":"63067a6a-bef7-42a3-820a-0702a8062745","_type":"reference"}}],"style":"normal"},{"_key":"b0cbf3dfda9c","_type":"block","children":[{"_key":"6ea8e6d8a1a9","_type":"span","marks":[],"text":"Alternatively, self-employed people may find it useful to take out health-related income insurance in order to protect themselves (and their family) in the event they cannot work for an extended period. "}],"markDefs":[],"style":"normal"},{"_key":"65b293ac5973","_type":"block","children":[{"_key":"713236f365c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"da57e51d0163","_type":"block","children":[{"_key":"bc34ed1c4184","_type":"span","marks":[],"text":""},{"_key":"2457fb217fd2","_type":"mainAnchor","pageAnchor":{"_ref":"9657be68-e4fb-4c9b-abb0-39c7704bddd3","_type":"reference"}},{"_key":"9c808ee90fb0","_type":"span","marks":[],"text":"Can you get a loan if you're self-employed?"}],"markDefs":[],"style":"h3"},{"_key":"3ab2cc356703","_type":"block","children":[{"_key":"b48ecc3bbf720","_type":"span","marks":[],"text":"You can apply for a loan if you're self-employed, but some lenders have very strict affordability criteria which makes it difficult to get approved. As usual, you'll have to demonstrate that you have a good credit history and can meet the lender's requirements to prove that you're able to afford the loan you're applying for."}],"markDefs":[],"style":"normal"},{"_key":"2ab320dca8d9","_type":"block","children":[{"_key":"5dcfaa76b222","_type":"span","marks":[],"text":"There are a few different types of loan that self-employed people can get. Here's a summary of each one:"}],"markDefs":[],"style":"normal"},{"_key":"cc66b1bf2700","_type":"block","children":[{"_key":"f2a26f3fe27a","_type":"span","marks":[],"text":"Personal loan"}],"markDefs":[],"style":"h4"},{"_key":"e1d55b3a3231","_type":"block","children":[{"_key":"6bad19cff547","_type":"span","marks":[],"text":"This is the most common type of loan and means that you can apply without having to secure the amount against anything you own. Your eligibility for this type of loan is based on whether you meet the affordability criteria stipulated by your chosen lender. Self-employed people will typically need to demonstrate a good or very good credit history in order to be eligible."}],"markDefs":[],"style":"normal"},{"_key":"5255aaedeba6","_type":"block","children":[{"_key":"f0729cf79d8a","_type":"span","marks":[],"text":"Secured loan"}],"markDefs":[],"style":"h4"},{"_key":"99c14f7793b9","_type":"block","children":[{"_key":"969ce4334081","_type":"span","marks":[],"text":"An alternative to a personal loan, secured loans are a type of loan where the amount you're applying for is secured against your assets - usually a property. In the event that you default on the loan, the lender will assume ownership of the pre-agreed proportion of your property. "}],"markDefs":[],"style":"normal"},{"_key":"018dae81bf55","_type":"block","children":[{"_key":"cb6ca5b9ff6e","_type":"span","marks":[],"text":"Guarantor loan"}],"markDefs":[],"style":"h4"},{"_key":"59c61d1a01b1","_type":"block","children":[{"_key":"3281ad9a5c54","_type":"span","marks":[],"text":"A guarantor loan is a type of loan where you get a third party - such as a family member or friend - to agree to act as a guarantor for your loan. This means that in the event you default on your loan, they will have to pay for it. The third party will also have to demonstrate a good credit history and meet the affordability criteria provided by your chosen lender."}],"markDefs":[],"style":"normal"},{"_key":"3354b07c8cf9","_type":"block","children":[{"_key":"8a6f075869f0","_type":"span","marks":[],"text":"Business loan"}],"markDefs":[],"style":"h4"},{"_key":"8e1f7ead3632","_type":"block","children":[{"_key":"0a3daac00eb6","_type":"span","marks":[],"text":"Finally, a business loan is a type of loan which businesses can get in order to fund their operations. This is similar to a personal loan however your chosen lender will want to run some checks on your business to ensure it is viable."}],"markDefs":[],"style":"normal"},{"_key":"f983f861631f","_type":"block","children":[{"_key":"af017b4bd323","_type":"span","marks":[],"text":"How to improve your credit score"}],"markDefs":[],"style":"h4"},{"_key":"3f37d19f1d86","_type":"block","children":[{"_key":"cd040fc5a8a7","_type":"span","marks":[],"text":"For information on how to maximise your credit score, why not check out our guide "},{"_key":"912f0f071854","_type":"span","marks":["7bf3b8ae0a91"],"text":"'Shortcut to: A good credit score'"},{"_key":"20a133a6bb42","_type":"span","marks":[],"text":"?"}],"markDefs":[{"_key":"7bf3b8ae0a91","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"b85e82d59835","_type":"block","children":[{"_key":"429129ea0e52","_type":"span","marks":[],"text":""},{"_key":"1eac5ac282dd","_type":"mainAnchor","pageAnchor":{"_ref":"065a5479-acd8-4524-b45a-592533af596e","_type":"reference"}},{"_key":"9e55cf47f3290","_type":"span","marks":[],"text":"3 money tips for the self-employed"}],"markDefs":[],"style":"h2"},{"_key":"6879a020e662","_type":"block","children":[{"_key":"3d41af6fc673","_type":"span","marks":[],"text":"We asked Sir Steve Webb, former Minister of State for Pensions who was knighted in 2017, for his top three money tips for self-employed people. Here's what he had to say:"}],"markDefs":[],"style":"normal"},{"_key":"224a11ffdb6a","_type":"block","children":[{"_key":"4e97352d2967","_type":"span","marks":[],"text":""},{"_key":"37bef9dff958","_type":"mainAnchor","pageAnchor":{"_ref":"206ef19e-805a-4e19-a564-60dde1867236","_type":"reference"}},{"_key":"9a2ec0f65a760","_type":"span","marks":[],"text":"1. Just get started on saving into a pension"}],"markDefs":[],"style":"h3"},{"_key":"38fef97124b8","_type":"block","children":[{"_key":"958883e8bbc70","_type":"span","marks":[],"text":"It’s always “I'll do it tomorrow”, isn’t it? But before you know it, you’re 50 and it’s almost too late! So start today and give yourself more leeway when you’re older. Pre-commit a small amount of money into a SIPP each month with a standing order and then budget around it. You can increase what you save when business picks up, but start small now to get into the habit."}],"markDefs":[],"style":"normal"},{"_key":"5e306db31f51","_type":"block","children":[{"_key":"d67ea8d596d70","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3618fc6dc9a6","_type":"blockQuote","adviserName":"Sir Steve Webb","jobTitle":"Partner, Lane Clark & Peacock","photo":{"_type":"mainImage","alt":"Steve Webb on the benefits of a pension for the self-employed"},"quote":[{"_key":"702e130744a9","_type":"block","children":[{"_key":"62d76e672963","_type":"span","marks":[],"text":"Remember the tax side of things. Compared with saving money into an ISA, with a pension you get government money too. 20p on top of every 80p you save - free! And if you’re a higher-rate earner it’s either 40p or 45p, so it can be significant money. Most self-employed people just aren’t aware."}],"markDefs":[],"style":"normal"}]},{"_key":"e2dec4faf590","_type":"block","children":[{"_key":"3a5a3f5428a30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f58d0ee94e3e","_type":"block","children":[{"_key":"49b7a01cb436","_type":"span","marks":[],"text":"If you're thinking about opening a SIPP and don't know who to turn to, make sure you check out the winners of our Best Buy Pension award 2025 to see the providers who we think is the best of the bunch."}],"markDefs":[],"style":"normal"},{"_key":"117e5b3de7f8","_type":"block","children":[{"_key":"252ac56d3950","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"9e3f98acbb25","_type":"block","children":[{"_key":"06a7f9103ac8","_type":"span","marks":["strong"],"text":"Best Buy Pension 2025 winners"}],"markDefs":[],"style":"normal"}],"_key":"a44831d3ab9a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"},"text":"SHOW ME"},{"_key":"c135d8a99c87","_type":"block","children":[{"_key":"1ee7c38b727f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3c637c738ea2","_type":"block","children":[{"_key":"04b425b9ba7d","_type":"span","marks":[],"text":""},{"_key":"962707d6e054","_type":"mainAnchor","pageAnchor":{"_ref":"3f6cd787-168d-45bc-a3ad-7fdb9630f067","_type":"reference"}},{"_key":"2b9abd857fdc0","_type":"span","marks":[],"text":"2. Short-term savings matter too"}],"markDefs":[],"style":"h3"},{"_key":"d1b2a30ec565","_type":"block","children":[{"_key":"1b7a18a98ed80","_type":"span","marks":[],"text":"3 months’ worth of earnings is generally considered the minimum amount you should set aside as an emergency fund. However, self-employed people should aim to save a bit more, as you don't have the cushion of Statutory Sick Pay and other employment benefits. This way, you’ve got an emergency buffer in case you need to take time off, business gets slow for a few months or you encounter other unexpected expenses."}],"markDefs":[],"style":"normal"},{"_key":"35316a51507e","_type":"block","children":[{"_key":"037c65f9c4a6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"561fc82e2610","_type":"blockQuote","adviserName":"Sir Steve Webb","jobTitle":"Partner, Lane Clark & Peacock","photo":{"_type":"mainImage","alt":"Steve Webb on the importance of short-term savings in cash for the self-employed"},"quote":[{"_key":"7dc1bb608f06","_type":"block","children":[{"_key":"54bf74f17d2b","_type":"span","marks":[],"text":"Although pensions are important you still need enough short-term cash so that, if the fridge breaks, you’re not going to a doorstep lender or getting a credit card with 27% APR!"}],"markDefs":[],"style":"normal"}]},{"_key":"4402bd410493","_type":"block","children":[{"_key":"4b33b83be1f5","_type":"span","marks":[],"text":""},{"_key":"93b9bf77005b","_type":"mainAnchor","pageAnchor":{"_ref":"ad1a0c96-147e-4c58-9c8d-51c03cb22469","_type":"reference"}},{"_key":"2d1403f554920","_type":"span","marks":[],"text":"3. Consider paying for financial advice"}],"markDefs":[],"style":"h3"},{"_key":"f3b609f5d67d","_type":"block","children":[{"_key":"39ae6f69f2110","_type":"span","marks":[],"text":"Finally, self-employed finances can be tricky at the best of times. That's why it can be a wise idea to contact a qualified financial adviser to help you. Advisers can assess your circumstances and long-term goals and use their expert knowledge of markets and products to help you formulate a plan for your money. You don’t have to keep them on long-term either – some offer a one-off MOT too."}],"markDefs":[],"style":"normal"},{"_key":"f33ba439cf4f","_type":"block","children":[{"_key":"1c94c31b26c8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed8f91da354a","_type":"blockQuote","adviserName":"Sir Steve Webb","jobTitle":"Partner, Lane Clark & Peacock","photo":{"_type":"mainImage","alt":"Steve Webb on why self-employed people should seek financial advice"},"quote":[{"_key":"6fce09345e38","_type":"block","children":[{"_key":"f62552bcef26","_type":"span","marks":[],"text":"A 2017 report by the International Longevity Centre (ILC) think-tank found that people who take financial advice are on average £40,000 better off over 10 years. The principle reason is that they take appropriate levels of risk in the long-term and make good returns on their investments. Others are too cautious, keeping their money in a Cash ISA and getting nought-point-diddly-squat in interest! When inflation is sky-high, these people are actually losing money."}],"markDefs":[],"style":"normal"}]},{"_key":"cad2c3d1b85c","_type":"block","children":[{"_key":"7cbde1950aae","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c8df854a8102","_type":"block","children":[{"_key":"bf33ee0b03d8","_type":"span","marks":[],"text":"If you're considering"},{"_key":"3cbc466a621c","_type":"span","marks":["0140dc1e8401"],"text":" financial advice "},{"_key":"15bb9526ab37","_type":"span","marks":[],"text":"but aren't sure where to go, you can start by heading to our adviser directory to find qualified advisers near you. Use the advanced filters to sort by specialism and select 'Advice to business owners' for advisers that can help you. 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"},{"_key":"294d0e2dd9b2","_type":"span","marks":[],"text":"Don't let confusion cost you in missed tax relief, unclaimed expenses, and lost retirement savings"}],"markDefs":[],"style":"normal"},{"_key":"d10592a468d9","_type":"block","children":[{"_key":"01b62232f1ae","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b7da63330216","_type":"textboxWidget","text":[{"_key":"0641b6816cde","_type":"block","children":[{"_key":"b893c12bde17","_type":"span","marks":["strong"],"text":"📊Tax Confusion: "},{"_key":"64cc3085cc82","_type":"span","marks":[],"text":"How much tax should I actually pay? What about NICs?"}],"markDefs":[],"style":"normal"},{"_key":"be8e490600a8","_type":"block","children":[{"_key":"a494d68b5015","_type":"span","marks":["strong"],"text":"💰Pension Paralysis:"},{"_key":"5363283cad15","_type":"span","marks":[],"text":" Can I even get a pension? 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"}],"markDefs":[{"_key":"1d383bbb9e84","_type":"internalLinkPick","blank":true,"reference":{"_ref":"9d156163-52cd-4afd-9f5d-6c3e17b512c1","_type":"reference"}}],"style":"normal"},{"_key":"c3186efd8e33","_type":"block","children":[{"_key":"08921c36030a","_type":"span","marks":[],"text":"Making sure your form is correct and your details are up to date can prevent you from being charged too much tax – or too little. Filling out your own Self Assessment tax return also allows you to claim any tax allowances or relief you’re entitled to. You can send it to HMRC either on paper or online."}],"markDefs":[],"style":"normal"},{"_key":"6d091033484e","_type":"block","children":[{"_key":"6960002ac444","_type":"span","marks":[],"text":""},{"_key":"83d45429ecf5","_type":"mainAnchor","pageAnchor":{"_ref":"d83b89eb-08d1-4c6c-962c-943e67fde144","_type":"reference"}},{"_key":"546411d1beda0","_type":"span","marks":[],"text":"Who needs to complete a Self Assessment tax return?"}],"markDefs":[],"style":"h2"},{"_key":"e31f4a90a807","_type":"block","children":[{"_key":"6a3a2d29ee21","_type":"span","marks":["strong"],"text":"You need to file if, in the last tax year, you were self-employed and earned over £1,000, were in a business partnership, earned £100,000+, or paid the High Income Child Benefit Charge."}],"markDefs":[],"style":"normal"},{"_key":"425e7f752368","_type":"block","children":[{"_key":"acd629793eae","_type":"span","marks":[],"text":"You usually don’t have to submit a Self Assessment tax return if you’re an employee on the PAYE system unless you earn over £100,000 per year. 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However, this is also the date that the payment itself is due - and of course, it is quite a job to work it all out - so it’s a good idea to submit it at least a few weeks before this."}],"markDefs":[],"style":"normal"},{"_key":"fc28149798dc","_type":"block","children":[{"_key":"f758c5c19c060","_type":"span","marks":[],"text":"It’s also worth noting that there are certain circumstances where you cannot file online, including:"}],"markDefs":[],"style":"normal"},{"_key":"f987b45189d4","_type":"block","children":[{"_key":"caf2b89668030","_type":"span","marks":[],"text":"For a partnership"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0d508aacc6c1","_type":"block","children":[{"_key":"caa9c35f48c80","_type":"span","marks":[],"text":"For a trust or an estate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"445b4f0589ad","_type":"block","children":[{"_key":"b112ae00f8760","_type":"span","marks":[],"text":"If you lived abroad as a non-resident"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d574af493316","_type":"block","children":[{"_key":"fb0818e98d6e0","_type":"span","marks":[],"text":"To report multiple ‘chargeable gains’, for example from life insurance"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ef47907b79eb","_type":"block","children":[{"_key":"cb367a0ebce80","_type":"span","marks":[],"text":"If you get income from a trust, you’re a Lloyd’s underwriter or a religious minister"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a7471283c8d3","_type":"block","children":[{"_key":"840c693ce26c","_type":"span","marks":[],"text":""},{"_key":"cfd1f9b962e1","_type":"mainAnchor","pageAnchor":{"_ref":"1c7043ca-cc44-4d7c-a10f-1b4d8ad7e565","_type":"reference"}},{"_key":"6583299202550","_type":"span","marks":[],"text":"If you’re sending your Self Assessment tax return by post"}],"markDefs":[],"style":"h3"},{"_key":"da4916ce6c21","_type":"block","children":[{"_key":"ecd72d57b29e0","_type":"span","marks":[],"text":"If you’re submitting via post, your Self Assessment tax return must be received by HMRC no later than "},{"_key":"2f3e9b774fd7","_type":"span","marks":["strong"],"text":"midnight on 31 October"},{"_key":"6fa19cf64cac","_type":"span","marks":[],"text":" (well before the January deadline for online submissions). 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You will also need to register again if you did not submit a Self Assessment tax return last year, even if you have in previous years. The "},{"_key":"eeaa5fa13b57","_type":"span","marks":["strong"],"text":"deadline for registration is 5 October"},{"_key":"9b8cf8aa00e7","_type":"span","marks":[],"text":" (after the end of the tax year) and you could be fined if you do not do this in time."}],"markDefs":[{"_key":"4b22e7c1b3c3","_type":"internalLinkPick","blank":true,"reference":{"_ref":"71943fc2-eca5-4a36-aaac-258b9400e172","_type":"reference"}}],"style":"normal"},{"_key":"92ef8890532d","_type":"block","children":[{"_key":"171c56c12c5c0","_type":"span","marks":[],"text":"There are different ways to register for Self Assessment depending on whether you’re self-employed, not self-employed but need to declare additional income, or if you’re in a partnership. You can start the process by going to the HMRC website "},{"_key":"a89b5cfebec3","_type":"span","marks":["fff153e843a2"],"text":"here "},{"_key":"23d6a46a0892","_type":"span","marks":[],"text":"and clicking ‘self-employed’, ‘not self-employed' or ‘registering a partner or partnership’. "}],"markDefs":[{"_key":"fff153e843a2","_type":"internalLinkPick","blank":true,"reference":{"_ref":"71943fc2-eca5-4a36-aaac-258b9400e172","_type":"reference"}}],"style":"normal"},{"_key":"ae9987f68f17","_type":"block","children":[{"_key":"b4ff9b82796b0","_type":"span","marks":[],"text":"When you’ve registered, you’ll be sent a Unique Taxpayer Reference (UTR). 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With the annual tax-free allowance slashed from £12,000 to just £3,000 in recent years, understanding when and how much CGT you'll pay has become essential for anyone investing outside an ISA."}],"markDefs":[],"style":"normal"},{"_key":"2bdec2e4c584","_type":"block","children":[{"_key":"abda2f250935","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is charged on the profit you make when selling assets like shares, bonds, property, or cryptocurrency. Once your gains exceed £3,000 in a tax year, you'll pay 18% as a basic rate taxpayer or 24% as a higher rate taxpayer on the excess."}],"markDefs":[],"style":"normal"},{"_key":"03ae04dabe56","_type":"block","children":[{"_key":"a5fa9fa21cc4","_type":"span","marks":[],"text":"The good news? Investments held in ISAs are completely exempt from CGT. 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Registering should take you less than a minute, so it's quick and painless.  \n\n  ","enableGatedContent":false,"excerpt":[{"_key":"d57fb56f92ca","_type":"block","children":[{"_key":"56c81c724226","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is paid on profits when you sell shares, property or other assets. The tax-free allowance is £3,000 in 2025–26. Rates are 18% or 24% depending on your tax band."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"d2d2469d0c51","_type":"block","children":[{"_key":"ad264d10055f","_type":"span","marks":["strong"],"text":"Capital Gains Tax is catching more investors than ever before. With the annual tax-free allowance slashed from £12,000 to just £3,000 in recent years, understanding when and how much CGT you'll pay has become essential for anyone investing outside an ISA."}],"markDefs":[],"style":"normal"},{"_key":"2bdec2e4c584","_type":"block","children":[{"_key":"abda2f250935","_type":"span","marks":[],"text":"Capital Gains Tax (CGT) is charged on the profit you make when selling assets like shares, bonds, property, or cryptocurrency. Once your gains exceed £3,000 in a tax year, you'll pay 18% as a basic rate taxpayer or 24% as a higher rate taxpayer on the excess."}],"markDefs":[],"style":"normal"},{"_key":"03ae04dabe56","_type":"block","children":[{"_key":"a5fa9fa21cc4","_type":"span","marks":[],"text":"The good news? Investments held in ISAs are completely exempt from CGT. 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This will be legislated for in the Finance Bill 2025-26. "}],"markDefs":[],"style":"normal"},{"_key":"cbc4b340995e","_type":"block","children":[{"_key":"09cc6ab0016a","_type":"span","marks":[],"text":"When does it happen?"}],"markDefs":[],"style":"h4"},{"_key":"18667960d9b7","_type":"block","children":[{"_key":"753e35355f980","_type":"span","marks":[],"text":"6 April, 2026."}],"markDefs":[],"style":"normal"},{"_key":"b567bae4e746","_type":"block","children":[{"_key":"e376d4eb84c6","_type":"span","marks":[],"text":"What do the experts say?"}],"markDefs":[],"style":"h4"},{"_key":"cfc921b7fd35","_type":"block","children":[{"_key":"2c121de0c13b","_type":"span","marks":[],"text":"Sarah Coles, head of personal finance at Hargreaves Lansdown, notes the London market is home to so many good income stocks, it means particularly harsh tax treatment if investors hold any of these investments outside an Isa or a self-invested personal pension."}],"markDefs":[],"style":"normal"},{"_key":"6f77c869edab","_type":"blockQuote","adviserName":"David Goodfellow, Head of Wealth Planning at Canaccord Wealth","quote":[{"_key":"97ca7080a186","_type":"block","children":[{"_key":"aaf3662e5ee7","_type":"span","marks":[],"text":"Increasing tax rates on dividends, property and savings income by 2 percentage points will hit those who rely on investment income hardest. This will potentially affect small business owners and increases the tax burden on the individuals who are taking risks and driving economic growth. Moreover, this is a kick in the teeth for those in retirement and living on their hard-earned savings."}],"markDefs":[],"style":"normal"}]},{"_key":"89058a1d6532","_type":"block","children":[{"_key":"6a505c10737c","_type":"span","marks":[],"text":""},{"_key":"49801ffc69f5","_type":"mainAnchor","pageAnchor":{"_id":"f2592d65-5916-44c8-8418-df1734da2e8b","_type":"anchorCategory","_rev":"1CqAZANAR5bQmUaSPOj5M8","_createdAt":"2024-12-03T10:49:41Z","_updatedAt":"2024-12-03T10:49:45Z","AnchorName":"propertytax","id":"-d434b5b3-fe2a-5180-ada9-22d070fa6da0","children":[],"parent":null}},{"_key":"2945f0bee33e","_type":"span","marks":[],"text":"8. Property Tax "}],"markDefs":[],"style":"h2"},{"_key":"6a2cd69b9012","_type":"block","children":[{"_key":"2945f0bee33e","_type":"span","marks":[],"text":"Current rules"}],"markDefs":[],"style":"h4"},{"_key":"1e539142ac05","_type":"block","children":[{"_key":"f9cb1aa723b2","_type":"span","marks":[],"text":"Income tax on rental income is currently set at our current marginal rate of income tax, starting at 20% for basic rate taxpayers in England, Wales, and Northern Ireland."}],"markDefs":[],"style":"normal"},{"_key":"f1e8a597fc83","_type":"block","children":[{"_key":"f9cb1aa723b2","_type":"span","marks":[],"text":"What’s Changing?"}],"markDefs":[],"style":"h4"},{"_key":"357e437cbe84","_type":"block","children":[{"_key":"6c8baa5f1715","_type":"span","marks":[],"text":"Tough new rules for landlords as income tax on their rental income will rise by 2% across the board from 2027. The rates will rise to 22% for basic-rate taxpayers, 42% for higher-rate taxpayers, and 47% for additional-rate taxpayers.\nThe Chancellor said this was designed to account for the fact that landlords don’t pay National Insurance on rental income, so this evens things up and makes it fairer. "}],"markDefs":[],"style":"normal"},{"_key":"48ab096c558c","_type":"block","children":[{"_key":"6c8baa5f1715","_type":"span","marks":[],"text":"What do the experts say?"}],"markDefs":[],"style":"h4"},{"_key":"4e1c896ac787","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay","blankAltTag":true},"quote":[{"_key":"42f0229ab27e","_type":"block","children":[{"_key":"ff66c4579ea3","_type":"span","marks":[],"text":"Life has got progressively harder for landlords over successive years. This will likely contribute to more deciding to sell up and move on. This could of course have a negative impact for renters as someone will have to pay for this and so it’s another potential pressure point for rent increases."}],"markDefs":[],"style":"normal"}]},{"_key":"42f0229ab27e","_type":"block","children":[{"_key":"1dec486dfc4f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0869caa371c0","_type":"block","children":[{"_key":"195e25ddf9c8","_type":"span","marks":[],"text":""},{"_key":"3387b9f236b9","_type":"mainAnchor","pageAnchor":{"_id":"953510f2-837e-4294-966a-74690c379155","_type":"anchorCategory","_rev":"xjDwysQS5jFJJkWxBmSYgm","_createdAt":"2025-11-26T16:59:16Z","_updatedAt":"2025-11-26T16:59:23Z","AnchorName":"mansiontax","id":"-cf4642da-be72-5a0d-8102-bc25e772c8a9","children":[],"parent":null}},{"_key":"96b1341e664d","_type":"span","marks":[],"text":"9. Mansion Tax "}],"markDefs":[],"style":"h2"},{"_key":"4f01f76c8c2b","_type":"block","children":[{"_key":"edbf495e6fc5","_type":"span","marks":[],"text":"Current rules"}],"markDefs":[],"style":"h4"},{"_key":"600bf6d30a0f","_type":"block","children":[{"_key":"cb630a5c22cf","_type":"span","marks":[],"text":"Currently, there is no additional tax specifically targeting high-value properties beyond standard stamp duty and council tax (based on 1991 valuations)."}],"markDefs":[],"style":"normal"},{"_key":"869a74d9b6c4","_type":"block","children":[{"_key":"f97b75b0414b","_type":"span","marks":[],"text":"What's changing?"}],"markDefs":[],"style":"h4"},{"_key":"ed56e3c9f754","_type":"block","children":[{"_key":"337e68444770","_type":"span","marks":[],"text":"A new “mansion tax” will be introduced on properties over £2m, expected to raise around £0.4bn. This will be known as the High Value Council Tax."}],"markDefs":[],"style":"normal"},{"_key":"a4c9494ee50b","_type":"block","children":[{"_key":"6395c44c91f4","_type":"span","marks":[],"text":"The additional annual cost will be a £2,500 levy on properties worth £2 million or more, which will progressively increase to a £7,500 levy on properties over £5 million."}],"markDefs":[],"style":"normal"},{"_key":"58594f95e9a7","_type":"block","children":[{"_key":"d8b417c01bcc","_type":"span","marks":[],"text":"The Chancellor announced that there will be a consultation about people’s options to defer these payments, to acknowledge those who are property-rich but cash-poor. Think Downton Abbey! "}],"markDefs":[],"style":"normal"},{"_key":"5e36535809e2","_type":"block","children":[{"_key":"cfc2a0b2f3d8","_type":"span","marks":[],"text":"When does it happen? "}],"markDefs":[],"style":"h4"},{"_key":"177adef970af","_type":"block","children":[{"_key":"1889eea70fb0","_type":"span","marks":[],"text":"2028."}],"markDefs":[],"style":"normal"},{"_key":"2d594effc567","_type":"block","children":[{"_key":"1ac4110ac5cc","_type":"span","marks":[],"text":"Who does it impact? "}],"markDefs":[],"style":"h4"},{"_key":"8239386c4822","_type":"block","children":[{"_key":"c8572bfb6410","_type":"span","marks":[],"text":"Any mansion tax or property wealth tax would primarily hit homeowners with high-value properties, particularly in London and the Southeast, where property prices are highest. However, experts warned this could create market disruption at the higher end as homeowners who purchased large family homes decades ago may be discouraged from downsizing if faced with unexpected tax liabilities. This could reduce the availability of larger homes for growing families and will hit the capital hardest."}],"markDefs":[],"style":"normal"},{"_key":"c47469985ca5","_type":"block","children":[{"_key":"cfef7d5f95aa","_type":"span","marks":[],"text":"What do the experts say?"}],"markDefs":[],"style":"h4"},{"_key":"792aca41a144","_type":"blockQuote","adviserName":"David Little","jobTitle":"Partner in Financial Planning, Evelyn Partners","quote":[{"_key":"f845dc02e3cf","_type":"block","children":[{"_key":"88d7f81847e3","_type":"span","marks":[],"text":"Owners of properties valued between £1.5 million and £2 million will be breathing a sigh of relief that they have swerved this so-called mansion tax. Doubtless, the Treasury realised that at £1.5 million there would be a significant backlash from Labour voters with such properties in more affluent parts of the country, especially the South East of England.\nNow it seems the burden will fall on those with the highest-valued properties, many of which will be in London. But with the measure not expected to come in until 2028, there is plenty of time for the law of unintended consequences to take effect. There could be widespread implications for the property market in the South East of England, where transactions could surge before the surcharge kicks in and sellers try to price properties below the threshold."}],"markDefs":[],"style":"normal"}]},{"_key":"2cbccc37c1a8","_type":"block","children":[{"_key":"84d90fc72642","_type":"span","marks":[],"text":""},{"_key":"c966f4f2924c","_type":"mainAnchor","pageAnchor":{"_id":"2671c139-1711-4637-9b40-1a3aa0edd7a0","_type":"anchorCategory","_rev":"RjP2JCajcAA7f7dsoOSFIB","_createdAt":"2024-02-27T13:30:49Z","_updatedAt":"2024-02-27T13:30:49Z","AnchorName":"cashisa","id":"-29db0937-a04e-582b-82bd-c80e56482493","children":[],"parent":null}},{"_key":"07a0300b3b1c","_type":"span","marks":[],"text":"10. Cash ISA"}],"markDefs":[],"style":"h2"},{"_key":"facf9d2cd495","_type":"block","children":[{"_key":"28a057bddefd","_type":"span","marks":[],"text":"Current rules"}],"markDefs":[],"style":"h4"},{"_key":"1060f674aa47","_type":"block","children":[{"_key":"28a057bddefd","_type":"span","marks":[],"text":"UK savers have an annual ISA allowance of £20,000 which can be split between Cash ISAs and Stocks & Shares ISAs as they choose. All interest and gains within ISAs are tax-free."}],"markDefs":[],"style":"normal"},{"_key":"f4458a79cb8e","_type":"block","children":[{"_key":"8494a3d792c8","_type":"span","marks":[],"text":"What's changing?"}],"markDefs":[],"style":"h4"},{"_key":"475c276d7ad3","_type":"block","children":[{"_key":"4013d8d8ac99","_type":"span","marks":[],"text":"Annual contributions to cash ISAs will be reduced to £12,000 a year. The rationale is to encourage more people to invest in stocks and shares rather than holding everything in cash. Stocks & Shares ISA will continue to have a £20,000 allowance. The changes to Cash ISAs will not apply to the over 65s, who will still enjoy the full £20,000 in Cash ISAs."}],"markDefs":[],"style":"normal"},{"_key":"42e6d6364f89","_type":"block","children":[{"_key":"a7cb2ee12a60","_type":"span","marks":[],"text":"A note from HMRC on 28th November has further confirmed that from 2027, there will be no transfers from Stocks & Shares ISAs to Cash ISAs, tests to determine whether an investment is eligible to be held in a Stocks & Shares ISA or is ‘cash-like’, and also a charge on any interest paid on cash held in a Stocks Shares."}],"markDefs":[],"style":"normal"},{"_key":"ef3c9fc31735","_type":"block","children":[{"_key":"a7cb2ee12a60","_type":"span","marks":[],"text":"More detail (and complexity) will follow as it consults on the full rules."}],"markDefs":[],"style":"normal"},{"_key":"adaf8c4c3509","_type":"block","children":[{"_key":"9c7bfb00a430","_type":"span","marks":[],"text":"When does it happen? "}],"markDefs":[],"style":"h4"},{"_key":"b0b16e21d4af","_type":"block","children":[{"_key":"0a754f7e7b47","_type":"span","marks":[],"text":"April 2027."}],"markDefs":[],"style":"normal"},{"_key":"0d442d64e375","_type":"block","children":[{"_key":"ae0de835b73f","_type":"span","marks":[],"text":"Who does it impact? "}],"markDefs":[],"style":"h4"},{"_key":"c887278d3fa7","_type":"block","children":[{"_key":"c0fc58efa708","_type":"span","marks":[],"text":"Cash savers under the age of 65. Boring Money data confirms that there are 3.8 million UK adults under 65 who have cash ISAs but no shares ISAs, with a decent cash buffer of at least £10,000. These people could reasonably look to invest in the stock market for better long-term returns."}],"markDefs":[],"style":"normal"},{"_key":"45e68ad2677c","_type":"block","children":[{"_key":"c0fc58efa708","_type":"span","marks":[],"text":"What do the experts say?"}],"markDefs":[],"style":"h4"},{"_key":"7d59ccbb9904","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay","blankAltTag":true},"quote":[{"_key":"d6f1175503f6","_type":"block","children":[{"_key":"cbfbc907a451","_type":"span","marks":[],"text":"I’m a huge advocate of people investing their longer-term savings in the stock market, but restricting access to cash is unlikely to have the seismic effect the Chancellor wants. The main thing holding people back is a fear of loss. To tackle this, the industry needs to focus on a much clearer explanation of risks, but also do a better job of showing the upsides of the stock market which doesn’t have to be the wild ride of crypto and meme stocks. I don’t think we can create a nation of investors by restricting access to cash. In the same way that vegetarians won’t head for the steak if you limit their access to pulses! We create change here with better communication and better access to advice, not by rapping cash savers over the knuckles and trying to force their hand."}],"markDefs":[],"style":"normal"},{"_key":"43691afcd3c0","_type":"block","children":[{"_key":"59bf4f3659e2","_type":"span","marks":[],"text":"If this impacts you, there is a Plan B. You still have up to £20,000 you can pay into a Stocks & Shares ISA every year. This is just an empty account when you open it, and despite the name, no one forces you to buy shares in it. You can pay in £20,000 and then select what is known as a Money Market Fund. This behaves like cash and bestselling options paid returns of about 4.6% over the last 12 months."}],"markDefs":[],"style":"normal"}]},{"_key":"a9dd0be7c7e6","_type":"blockQuote","adviserName":"Harriet Guevara","jobTitle":"Chief Savings Officer, Nottingham Building Society","quote":[{"_key":"24646a915c85","_type":"block","children":[{"_key":"6f001abcc9a2","_type":"span","marks":[],"text":"Millions of savers rely on Cash ISAs as a low-risk way to build financial stability. Two-thirds of our Cash ISA customers have used the full £20,000 allowance so far this year. These aren’t people with excess wealth - they’re individuals and families working hard to save for the future. What’s more, only 38% of Cash ISA holders nationwide would consider switching to a Stocks & Shares ISA if the allowance is cut."}],"markDefs":[],"style":"normal"}]},{"_key":"0a64072e27f9","_type":"block","children":[{"_key":"4d74df1289ec","_type":"span","marks":[],"text":""},{"_key":"5b814bf74c44","_type":"mainAnchor","pageAnchor":{"_id":"c834421b-ba1e-4a17-8482-99a63a2ec5eb","_type":"anchorCategory","_rev":"ChMX6qRS1H8IgASIEkVYns","_createdAt":"2024-10-30T12:02:37Z","_updatedAt":"2024-10-30T12:02:39Z","AnchorName":"businessrates","id":"-5f36b861-2601-52f7-88bd-ddb0fb0634b2","children":[],"parent":null}},{"_key":"39c299cfeeb5","_type":"span","marks":[],"text":"11. Business Rates"}],"markDefs":[],"style":"h2"},{"_key":"8d1e40ef6e00","_type":"block","children":[{"_key":"3ca34fbb88ae","_type":"span","marks":[],"text":"Current rules"}],"markDefs":[],"style":"h4"},{"_key":"07287f756aa2","_type":"block","children":[{"_key":"1d30302848de","_type":"span","marks":[],"text":"The current business rates relief system provides reductions for eligible businesses, particularly in retail, hospitality, and leisure. The 2024 Budget introduced 40% relief for retail, hospitality, and leisure properties, up to a cash cap of £110,000 per business."}],"markDefs":[],"style":"normal"},{"_key":"bf30775f8472","_type":"block","children":[{"_key":"3cafd293c494","_type":"span","marks":[],"text":"What's changing? "}],"markDefs":[],"style":"h4"},{"_key":"da59bb25963f","_type":"block","children":[{"_key":"045facacd61f","_type":"span","marks":[],"text":"This has been extended from 1 – 3 years so they remain eligible on their first property for 3 years after expanding into a second property"}],"markDefs":[],"style":"normal"},{"_key":"0ab9723b3bda","_type":"block","children":[{"_key":"81ba22198ce9","_type":"span","marks":[],"text":""},{"_key":"89334e22d53f","_type":"mainAnchor","pageAnchor":{"_id":"97107260-a313-4a82-9e9e-197a131f65c7","_type":"anchorCategory","_rev":"tWB5sKLaCjVT6l5MG3jWnd","_createdAt":"2025-11-26T17:06:10Z","_updatedAt":"2025-11-26T17:06:12Z","AnchorName":"emi","id":"-fe12f693-e7f9-56fa-9ad8-ffcbee3979ee","children":[],"parent":null}},{"_key":"10e5dd776e03","_type":"span","marks":[],"text":"12. Enterprise Management Incentives (EMI)"}],"markDefs":[],"style":"h2"},{"_key":"0bb456307696","_type":"block","children":[{"_key":"3137f5bf16be","_type":"span","marks":[],"text":"The government is significantly increasing the company eligibility limits for the Enterprise Management Incentives scheme (EMI). Previously, a company could offer you EMIs (a type of share option) if it had assets of £30 million or less, or fewer than 250 full-time employees. From April 2026, these limits will be increased from £30 million to £120 million, and to 500 employees. The maximum company options will be lifted from £3 million to £6 million. This allows scale-ups to join start-ups in offering tax-advantaged shares to employees."}],"markDefs":[],"style":"normal"},{"_key":"e164f17cb43b","_type":"blockQuote","adviserName":"Michael Carter, Partner, Osborne Clarke","quote":[{"_key":"8302c370d85b","_type":"block","children":[{"_key":"aac13ecba01d","_type":"span","marks":[],"text":"Some very good news today is the expansion of EMI schemes, which remains one of the most effective tools for attracting and keeping talent. Up until now, companies that had more than 250 employees and/or gross assets of over £30 million were excluded from benefiting from EMI. With effective from 6 April 2026, these limits will be increased to 500 employees and £120 million respectively, significantly increasing the number of growing companies that can benefit from this vital incentive."}],"markDefs":[],"style":"normal"},{"_key":"5bd4f34b1748","_type":"block","children":[{"_key":"a52b9729360a","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"6b067bd33b84","_type":"blockQuote","adviserName":"Jason Butler","jobTitle":"Angel Investor","quote":[{"_key":"9abd0d7e13c0","_type":"block","children":[{"_key":"852ac862aa2d","_type":"span","marks":[],"text":"The expansion of eligibility for EMI share options, VCTs, and EIS fundamentally shifts the UK’s venture landscape from a “startup support” model to a genuine scale-up finance strategy. For more than a decade, companies have hit what amounts to an institutional capital ceiling: the gap between seed/Series A funds and the major private equity/growth capital market. Increasing the size and scope of companies that qualify for EIS and VCT investment – and expanding EMI coverage to larger scale-ups – expands one of the UK’s few structural competitive advantages: tax-efficient early and growth-stage equity funding.\nFor founders, this is a meaningful shift. EMI expansion makes it easier for later-stage companies to hire and retain senior technical and commercial talent, and allows option-based compensation to extend longer into a company’s lifecycle. That reduces the “premature exit pressure” we have seen in UK tech and fintech for years. Combined with more generous EIS and VCT investment limits, this gives management teams a clearer route to Series B and beyond without resorting to US or European capital too early.\nFor angel and VC investors, the impact may be even more significant. Larger, more mature companies can now be backed through domestic tax-advantaged structures, which strengthens follow-on investment, drives better portfolio continuity, and encourages syndicates to remain involved for longer. More importantly, it shifts the shape of the ecosystem: the UK has historically been great at producing early-stage companies, but less successful at building £100m–£1bn scale-ups. These reforms reduce that constraint by improving liquidity, increasing the investable universe, and lowering the risk profile of growth-stage rounds.\nThe macro-implication is clear: these changes are not about startups per se; they are about building depth in the UK’s entrepreneurial economy. If implemented properly, this is the first policymaking in years that attacks the core structural weakness that causes the UK to nurture innovation, only to see it exit overseas."}],"markDefs":[],"style":"normal"}]},{"_key":"4a8fe47339ae","_type":"block","children":[{"_key":"81ba22198ce9","_type":"span","marks":[],"text":""},{"_key":"89334e22d53f","_type":"mainAnchor","pageAnchor":{"_id":"d34c0378-8e57-4c9d-8db0-90adb00f2b2d","_type":"anchorCategory","_rev":"QVFQrTJ6GzamOOk6poMS57","_createdAt":"2024-03-21T16:18:13Z","_updatedAt":"2024-03-21T16:18:13Z","AnchorName":"vcts","id":"-f98bddb3-ee79-5b2a-ada1-01ef7db2e2f7","children":[],"parent":null}},{"_key":"20bdc4be5675","_type":"span","marks":[],"text":"13. Venture Capital Trust (VCT) and Enterprise Investment Scheme (EIS)"}],"markDefs":[],"style":"h2"},{"_key":"70cc48fccd16","_type":"block","children":[{"_key":"065c34dfff14","_type":"span","marks":[],"text":"The government is doubling the company investment limits, as well as the gross assets test, for both EIS and VCT schemes. This means that from April 2026, the lifetime company investment limits will increase to £24 million (£40 million for Knowledge Intensive Companies (KICS)), and the annual company investment limits will increase to £10 million (£20 million for KICs). The gross assets test will increase to £30 million before share issue, and £35 million after."}],"markDefs":[],"style":"normal"},{"_key":"44c16b4a5f70","_type":"block","children":[{"_key":"81c3f1aac055","_type":"span","marks":[],"text":"However, to better balance the amount of upfront tax relief offered by VCTs compared to the EIS and incentivise funds to support high-growth companies, the government is reducing the upfront VCT Income Tax relief from 30% to 20%. This will kick in from April 2026."}],"markDefs":[],"style":"normal"},{"_key":"1273d8348b15","_type":"blockQuote","adviserName":"Richard Stone","jobTitle":"Association of Investment Companies (AIC), Chief Executive ","quote":[{"_key":"c9d7c5e7c7c2","_type":"block","children":[{"_key":"65aec94c96eb","_type":"span","marks":[],"text":"The VCT scheme invests billions of pounds in up-and-coming UK companies. Cutting upfront tax relief on VCT shares from 30% to 20% undermines the incentive to invest in VCTs."}],"markDefs":[],"style":"normal"},{"_key":"873a3c4331b2","_type":"block","children":[{"_key":"db9d3f75baf8","_type":"span","marks":[],"text":"Individuals and advisers will be less willing to support high-risk young companies that will struggle to find funding from other sources. Far from nurturing economic growth as the Chancellor wants, it will cut off vital funding for ambitious, growing companies."}],"markDefs":[],"style":"normal"},{"_key":"12e4ab1cd134","_type":"block","children":[{"_key":"d89b4d7ddb69","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"c8b41938ddbc","_type":"block","children":[{"_key":"a6c4f11a22bb","_type":"span","marks":[],"text":"Wealth Club CEO Alex Davies also forecasts a shorter-term rush for VCTs before this measure comes in to play: "}],"markDefs":[],"style":"normal"},{"_key":"67b6f64cdb6d","_type":"blockQuote","adviserName":"Alex Davies","quote":[{"_key":"12e4ab1cd134","_type":"block","children":[{"_key":"d89b4d7ddb69","_type":"span","marks":[],"text":"Investors will likely pile in before the end of year deadline, and popular VCTs will fill up even faster than usual. It really will be a case of buy now while stocks last."}],"markDefs":[],"style":"normal"}]},{"_key":"3274824ee148","_type":"block","children":[{"_key":"354885011d69","_type":"span","marks":[],"text":"\n"},{"_key":"be707338c2b5","_type":"mainAnchor","pageAnchor":{"_id":"92cbf893-6299-45ad-ad72-85f6bed173ee","_type":"anchorCategory","_rev":"tWB5sKLaCjVT6l5MG3mtja","_createdAt":"2025-11-26T17:24:59Z","_updatedAt":"2025-11-26T17:25:02Z","AnchorName":"gambling","id":"-d8e3227c-c07d-5714-9f3e-e2a38086763b","children":[],"parent":null}},{"_key":"7f05c07ff73a","_type":"span","marks":[],"text":"14. Gambling Duties"}],"markDefs":[],"style":"h2"},{"_key":"802eb3d8a492","_type":"block","children":[{"_key":"c2bcdc665c07","_type":"span","marks":[],"text":"Current rules"}],"markDefs":[],"style":"h4"},{"_key":"8cf3a8f30644","_type":"block","children":[{"_key":"c2bcdc665c07","_type":"span","marks":[],"text":"Currently, Remote Gaming Duty is charged at 21% and Machine Games Duty at 20%."}],"markDefs":[],"style":"normal"},{"_key":"3a9da0fbd146","_type":"block","children":[{"_key":"c2bcdc665c07","_type":"span","marks":[],"text":"What's changing?"}],"markDefs":[],"style":"h4"},{"_key":"45e2beeca5c1","_type":"block","children":[{"_key":"c2bcdc665c07","_type":"span","marks":[],"text":"Remote Gaming Duty will increase from 21% to 40% from 1 April 2026."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"39ef40dffa7d","_type":"block","children":[{"_key":"c2bcdc665c07","_type":"span","marks":[],"text":"A new Remote Betting Rate will be introduced at 25% from 1 April 2027 within the General Betting Duty. This new rate will not apply to self-service betting terminals, spread betting, or pool betting."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"30da22548ba5","_type":"block","children":[{"_key":"c2bcdc665c07","_type":"span","marks":[],"text":"Remote bets on horse racing will be excluded from these changes and remain taxed at 15%."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bfe8792bc48b","_type":"block","children":[{"_key":"c2bcdc665c07","_type":"span","marks":[],"text":"Bingo Duty will be abolished from 1 April 2026. 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Further five-month freeze to fuel duty, followed by staged increases from September 2026, costing £2.4bn next year and £0.9bn each following year."}],"markDefs":[],"style":"normal"},{"_key":"465c6916c41b","_type":"block","children":[{"_key":"7fcb4b4b9cc2","_type":"span","marks":[],"text":"Two-child benefit cap"}],"markDefs":[],"style":"h4"},{"_key":"c33f8f9a0e20","_type":"block","children":[{"_key":"a5cd47afa5b7","_type":"span","marks":[],"text":"The Prime Minister has removed the two-child benefit cap, with the Chancellor stating children should not be \"penalised\" for being part of larger families."}],"markDefs":[],"style":"normal"},{"_key":"dc9407b9d231","_type":"block","children":[{"_key":"b8116cab033a","_type":"span","marks":[],"text":"The move generated the loudest cheer from the Labour backbenches of the session. This will be scrapped in April next year. 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