Insights

Stay up to date with the latest insights, news and developments relevant to you and your financial future. Explore our latest articles, market commentary and helpful guides, covering a range of topics to help you make informed decisions.

Understanding gifting out of income – how regular gifts could help reduce Inheritance Tax

With changes to IHT on pensions incoming, many families are choosing to review their estate planning and consider the options available for passing on wealth during their lifetime. One often-overlooked opportunity is the 'gifts out of surplus income' exemption

October 7, 2026

News in Review

In this week’s news - UK annual house prices halved in September as ongoing economic uncertainty weighs, mortgage rates have come under renewed pressure as lenders had been increasing mortgage rates amid rising swap rates and inflationary concerns, Q2 GDP revised up and 82% of businesses expect regional economic growth in the next 3 years

October 7, 2026

Budget 2026 – planning ahead, not predicting

The Budget is on the horizon, what will Chancellor John Healey announce in his first Budget on 28 October? Look beyond the headlines, don’t get swept away with pre-Budget speculation

October 7, 2026

A more cautious housing market

As we move into autumn, the UK housing market remains relatively subdued with house prices showing little movement – what lies ahead?

October 7, 2026

Economic Review – September 2026

September’s Economic Review covers the decision to hold interest rates, a slight upgrade to the global economic outlook for 2026, the surge in government borrowing in August and UK consumer confidence reaching a two-year high

October 2, 2026

Protection

Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property. Whilst insuring ourselves against an undesirable event such as sickness or death may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.

October 1, 2026

Building wealth today, planning for tomorrow

Why understanding Inheritance Tax early helps shape smarter long-term financial decisions

October 1, 2026

Small steps to securing your financial future – it is attainable!

Retirement planning may feel overwhelming, but small steps can close the gap

October 1, 2026

Pensions and IHT – the shake-up many are missing

From April 2027 unused pension funds will no longer sit outside an estate, a significant change in Inheritance Tax (IHT)

October 1, 2026

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53 Cam Green, Upper Cam, Dursley, Gloucestershire, GL11 5HL

Castle Financial Services Limited is registered in England and Wales no. 04402479. Registered office, 53 Cam Green, Upper Cam, Dursley, Gloucestershire, GL11 5HL

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A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

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Castle Financial Services Limited is entered on the FCA Firm Checker https://www.fca.org.uk/consumers/fca-firm-checker. Our Firm Reference Number is 228199.