Market Update
Trump’s sweeping global tariffs have triggered market turmoil and international backlash, especially from China. While stocks slump, gold hits record highs. Investors are urged to stay focused on long-term goals and avoid reacting emotionally to short-term market noise.
Commercial Property Market Review – September 2025
The commercial property market saw lower turnover but bigger deal sizes in early 2025. Outlook for H2 is strong with potential rate cuts boosting investor confidence, though London’s construction pipeline faces challenges despite some support from government-backed projects.
Residential Property Review – September 2025
The UK housing market faces uncertainty ahead of the Autumn Budget, with potential tax changes impacting activity. Mortgage rates eased but could rise again. Sales fall-throughs remain high, while affordability continues to shape buyer hotspots across London.
News in review
The Bank of England kept rates at 4% as inflation persists. A historic US-UK ‘Tech Prosperity Deal’ promises £150bn in investment for AI, energy and quantum computing. Meanwhile, UK consumer confidence declined, reflecting continued financial pressures on households.
Mortgage overpayments: small sums add up
Overpaying your mortgage, even by small amounts, could save you thousands and cut years off your loan. Thousands of homeowners could be tapping into these benefits, but a third of the people not making overpayments say they are being held back by a lack of understanding.
Who will inherit your pension?
Failing to update your pension beneficiary could mean your money goes to the wrong person – some people even have an ex-partner listed. Regularly review your nominations to make sure they reflect your current wishes and protect those who matter most.
‘Squeezed middle’ falling into ‘protection gap’
Many people in their 30s and 40s lack sufficient life cover, despite major financial responsibilities. With the right advice, protection is achievable, and essential, to ensure your loved ones are financially secure if the unexpected happens.
News in review
The UK economy flatlined in July, with no growth recorded. This is in line with expectations and follows GDP growth of 0.4% in June. Director of Economic Statistics at ONS, Liz McKeown, said, “In the latest month GDP showed no growth, with increases in services and construction offset by falls in production.”
Is your pension fit for purpose?
Pension Awareness Week (15–19 Sept) is here – the ideal time to review your retirement plans. With rising costs and new rules ahead, make sure your pension is still working for you.
Financial empowerment for retirement control
Financial empowerment starts with clarity and confidence around your pension. With many savers off track, now is the time to plan, contribute and take control of your retirement future – putting it off shouldn’t be an option for you.
