Chartwell Wealth Management

Compass Resources

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ISA changes on the horizon — what you need to know

The Autumn Budget announced important changes to ISAs from April 2027. Key points: - The yearly subscription limits (£20,000 adult ISA, £9,000 Junior ISA) will be frozen until April 2031. - From April 2027, the maximum cash ISA subscription will be £12,000 for...

Salary sacrifice and mortgage affordability

When you enter a salary sacrifice arrangement, your taxable income reduces, and lenders will assess your mortgage affordability based on this lower figure. This isn't always a problem — with recent reductions in the Bank of England base rate, many lenders have relaxed...