Our Blog

Welcome to our regular Insights — keep up to date with our latest news, updates and guides dedicated to guiding families and future generations through the complexities of financial planning with clarity, care, and expertise.

Latest posts

Avoiding pitfalls when passing on wealth

With pensions entering the IHT net from 2027, now is the time to review your plans. Small gifts, annual allowances, and PETs can reduce Inheritance Tax—but careful planning and record-keeping are essential. 

Is your fixed rate coming to an end?

Over 350,000 UK households will face higher payments this winter as low-rate deals from 2020–2023 end. With the Autumn Budget on 26 Nov, now’s the time to review your mortgage options. Early planning can save you thousands. 

Pension access age to rise in 2028

From 6 April 2028, the normal minimum pension age rises from 55 to 57, affecting those born on or after 6 April 1973. Early access to #pension funds will be limited to ensure retirees have sufficient resources in later life.  

News in Review

This week’s News in Review sees global resilience as risks rise, UK growth slows, prices steady and energy bills climb.

Pensions set to fall within IHT net from 2027

Unspent pensions will face Inheritance Tax from 2027, with average bills rising by £34,000. The risk of double taxation makes planning vital. Reviewing your estate now ensures wealth is protected and passed on as intended. 

Mortgage Guarantee Scheme made permanent

The Mortgage Guarantee Scheme aims to sustain availability of high LTV mortgages by incentivising lenders with government-backed guarantees. First-time buyers and home-movers across the UK can benefit, but professional advice is essential to help you choose the right deal. 

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Narrative is trading style of Narrative Wealth Limited which is an appointed representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registration number: 16344911.

Registered as a Limited Company in England and Wales. Narrative Wealth Management, 60 High Street Wimbledon, London, SW19 5EE, United Kingdom.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at customers based in the UK.

Succession planning, trusts, inheritance tax planning & estate planning are not regulated by the Financial Conduct Authority.

Tax treatment varies according to individual circumstances and is subject to change.

Approver Quilter Financial Services Limited 06/11/2025.