Insights
Behind all great advice is in-depth knowledge. Here’s everything you need to know about pensions, property, government fiscal policy and the state of the UK economy. We’ll explain what it all means for you and finances.
Homing in on the mortgage challenges facing gig workers
For freelancers and contractors, securing a mortgage can be a real challenge due to multiple income streams. Many experience rejection because traditional lenders don’t understand gig economy finances. Expert advice can help you navigate this and strengthen your application.
Is ‘financial independence’ a better option than retirement?
Retirement today is about freedom, not finality. Financial independence gives you control over when, and if you work. By planning smart and investing well, you create the flexibility to enjoy life on your own terms.
Economic Review – September 2025
UK data highlight persistent pressures – inflation stuck at 3.8% (largely due to food costs), GDP slowed to 0.2%, payrolls fell, with wage growth at 4.8%, while retail sales rose in August but sentiment weakened.
News in Review
According to ONS, UK GDP is estimated to have grown by an unrevised 0.3% between April and June, compared to an increase of 0.7% in Q1. The BCC has urged the government to take decisive action to improve the competitiveness of the UK economy. In a new report they caution that, without increasing investment and productivity, the UK risks falling further behind its international peers.
A closer look at the ‘nearshoring’ trend
Nearshoring reflects a move away from ‘just-in-time’ efficiency towards ‘just-in-case’ preparedness. The need for supply chain stability and faster turnaround times is encouraging businesses to bring their operations closer to the markets they serve. ‘Trump Tariffs’ have underlined the need for companies to explore their options.
Demand for second homes falls: what does it mean for local buyers and sellers?
Some holiday homeowners are choosing to sell up due to changes in Council Tax rules. This means more properties on the market in coastal hotspots, offering buyers greater choice but also raising challenges for local communities.
