News

We were delighted to welcome so many clients and guests to our Inheritance Tax Trap event at Salomons Estate. The turnout was fantastic, and we loved the level of engagement throughout the morning. Inheritance Tax is a topic many people know they should think about, but often put off because it feels complex or uncomfortable. […]

We’ve been absolutely delighted by the response to our upcoming Inheritance Tax event in Tunbridge Wells on Tuesday 3 February. The event has now reached full capacity, and all available places have been filled. The strong level of interest reflects just how important — and topical — Inheritance Tax planning has become, particularly with ongoing

You get home after a long journey and remember you still need to pay the Dart Charge for crossing the Dartford Crossing. A quick online search, a few taps on your phone, and the £3.50 payment is done… or so you think. Weeks later, a penalty charge notice lands on your doormat. Despite paying what

This year, Jenny Brockman, one of our advisers at Citrus Financial, is taking on a huge personal challenge… running the London Marathon. It will be Jenny’s first marathon, and training is already well underway. Like many busy parents, she fits runs in where she can during the week, with longer sessions at weekends. Often, those

Warm, experienced and endlessly approachable, Elian Lawrence is the kind of adviser clients stick with for life. With over 37 years in financial services, she brings deep expertise to every meeting, especially when it comes to retirement planning. Elian joined Citrus in 2024 and is known for her thoughtful, straightforward advice and her passion for

The start of a new year often brings good intentions, eat better, declutter, get organised. But while many people think about sorting their finances, it’s easy to put off. Life’s busy, the cost of living’s still high, and knowing where to begin can feel overwhelming. That’s where we come in. At Citrus, we help people

You receive a voicemail from your son or daughter. They sound panicked. They say they’ve been in an accident and urgently need money. You can hear the stress in their voice — and it really does sound like them. But it may not be. According to a recent report by The Guardian, criminals are now

Inheritance Tax (IHT) has long been one of the most contentious areas of financial planning. With frozen thresholds and rising property values, more families than ever are already being caught in the IHT net. And from April 2027, things are set to get even more complex. As announced in the October 2024 Budget, pensions are

The Chancellor’s speech only ever tells part of the story. The real details, things that could genuinely affect your finances,  sit in the documents published afterwards. Our full Budget Summary provided by Quilter, is now ready and free to download. It’s been produced once the dust has settled, giving you a clearer picture of what

Each year we support Friends for Families, a wonderful local charity helping families in the Sevenoaks area who are facing real financial hardship. When Children’s Services identify a family needing support that can’t be provided elsewhere, Friends for Families step in with practical, immediate help. In previous years, we’ve collected new board games to make

We’re delighted to share that Citrus Financial has received three significant pieces of recognition across the profession. Celebrating both the strength of our team and the contribution we make to clients, our local communities, and the wider financial planning industry. Named in the Citywire New Model Adviser Top 100 firms for 2025 To start, Citrus

Experienced, meticulous and quietly confident, Mark Burroughs is a highly valued member of the Citrus Financial team. With over 25 years’ experience in financial services, including a fast-paced career in currency trading, Mark brings deep technical knowledge and a calm, pragmatic approach to financial planning. He joined Citrus in 2022 and loves helping clients plan

We’re delighted to announce that Citrus Financial has been shortlisted for ‘Adviser Firm of the Year – South East’ at the 2026 Professional Adviser Awards. This is the second consecutive year we’ve been named a finalist, and we’re incredibly proud to be recognised again. 2026 Professional Adviser Awards The Adviser Firm of the Year category

We’re delighted to announce that David Braithwaite has been shortlisted for the ‘Champion of Advice Award’ at the 2026 Professional Adviser Awards, taking place in March. 2026 Professional Adviser Awards This recognition highlights individuals who help drive best practice across the financial planning profession. The category looks for an established practitioner who has: raised awareness

Citrus Financial has been selected for the Citywire New Model Adviser (NMA) Top 100 firms for 2025. It’s our second year in a row in the list, and something we’re incredibly proud of. Citywire New Model Adviser Top 100 Citywire’s Top 100 recognises firms that demonstrate strong professional standards and positive client outcomes. Survey responses

According to Barclays’ latest UK Investment Gap report* (September 2025), people in Britain are sitting on more than £600 billion in cash that could be invested. That’s money beyond six months’ income. Cash that isn’t being used to grow wealth or keep pace with inflation. Instead, it’s sitting in bank accounts, quietly losing value in

Calm, practical and quietly determined, Jenny Brockman brings a thoughtful and down-to-earth approach to financial planning. After gaining her financial advice qualifications in 2021, she joined Citrus in 2023 and now works closely with clients to help them make sense of their money and plan confidently for the future. She lives the full country life

Two months ago, the Bank of England cut its base rate from 4.25% to 4.0%, following an earlier reduction in May. Many homeowners hoped that would mark the start of a calmer, more predictable period for mortgage rates. But that hasn’t been the case. Instead, lenders have been changing rates at pace, with some products

For many families, helping a young person learn to drive is a milestone moment, and often an expensive one. But with driving test waiting times across Great Britain stretching to around 22 weeks (and up to 24 weeks in London), growing numbers of learners, and their families, are becoming targets for fraudsters promising a quicker

Most of us don’t expect serious illness to touch our lives. Especially while we’re in the thick of family life, juggling school runs, work and everything in between. But over the years, I’ve supported families through some of their hardest days, when illness turned life upside down with no warning. And I’ve seen, time and

With the autumn budget just weeks away, Money Mentor David Braithwaite joined BBC Radio Kent to unpack the biggest financial rumours currently making headlines. From potential changes to pension tax relief to the 25% tax-free lump sum and even how pensions could soon count towards inheritance tax. Listen here David explains what these possible shifts

We’d like to say a huge thank you to everyone who joined us for our recent Inheritance Tax event at Westerham Golf Club. It was the first of this kind for us and we’re delighted it’s proved to be a fantastic success. A Fantastic Turnout at Westerham Golf Club More than 80 guests attended to

With colder weather on the way and energy prices creeping up again, Money Mentor David Braithwaite shares practical, money-saving tips to help you keep your home warm without overspending. In this episode, David explains the latest changes to the energy price cap, rising by 2% this October, and reveals clever ways to offset that increase

We’ve been absolutely delighted by the response to our upcoming Inheritance Tax Trap event. Within just a short time, we reached full capacity of 100 attendees, This is far beyond our expectations. A fantastic response that shows just how important and timely this subject has become. The Inheritance Tax Trap Because of this, we’ve now

In uncertain times, it’s tempting to delay financial decisions. But with inflation rising again, the UK facing its highest tax burden in decades, and more tax hikes expected in the Autumn Statement, doing nothing could end up costing you more than you think. Here are five things worth checking, especially if you’ve never spoken to

Online fraud is becoming increasingly sophisticated, and a recent attempt targeting Citrus Financial shows just how convincing these scams can be. Salary diversion fraud, also known as payroll redirection fraud, is a growing threat to both employers and employees. Here’s what you need to know and how to stay safe. How the scam works Fraudsters

Are premium bonds still a good place for your savings — or just a nostalgic gamble? In this episode of The Money Mentor, David Braithwaite breaks down exactly how premium bonds work, their pros and cons, and what’s changed since they were first introduced nearly 70 years ago. David explains how these government-backed savings bonds

Uni life is all lectures, late nights and leftover pizza — but a few smart money moves now can save a lot of grief (and cash) later. In this Money Mentor episode, David Braithwaite shares practical tips for freshers and families: which student bank accounts offer the best perks (cash bonuses, railcards, takeaway credits), how

Inheritance Tax (IHT) has long been one of the most contentious areas of financial planning. With frozen thresholds and rising property values, more families than ever are already being caught in the IHT net. And from April 2027, things are set to get even more complex. As announced in the October 2024 Budget, pensions are

If you live in Kent, you’ve probably heard David Braithwaite’s voice before. As the Money Mentor on BBC Radio Kent, he’s known for making financial topics easy to understand, and fun to listen to. But away from the microphone, David is also the founder and Principal Adviser at Citrus Financial, a business he built from

Inheritance Tax (IHT) has always been a hotly debated subject, but it’s now firmly in the spotlight again as the Chancellor looks for ways to raise more money for the Treasury. With potential changes on the horizon, it’s more important than ever to understand how IHT works, and what it could mean for your family’s

Retirement isn’t what it used to be — and that’s a good thing. In this Money Mentor episode, David Braithwaite talks about how retirement has evolved from the traditional “gold watch on Friday, retired on Monday” model to a more flexible, purposeful stage of life. David explores why many people now work part-time, consult, or

Fraudsters are getting slick — but you can stay one move ahead. In this Money Mentor episode, David Braithwaite shares the latest scam tactics (spoofed phone numbers, “update your payment” emails, fake council-tax refunds, and even QR-code stickers in car parks) and how to beat them. What you’ll learn in minutes: The classic red flags:

HMRC figures* show the 2024/25 tax year saw a record £8.2bn raised in IHT, a £800m increase on the previous tax year. The new tax year kicked off in the same vein with the Treasury collecting £780m in IHT in April 2025 alone, up £97m from April 2024 – making it the second-highest monthly IHT

One in six people with a partner are unsure who would inherit their pension savings if they were to die before accessing them*. While the majority – 65% – have nominated their spouse or partner as their named beneficiary, others have chosen different paths: one in five say they have selected another family member, while

Calm, insightful and highly respected, Craig Brady is a key part of the Citrus Financial team. With a first-class Economics degree, a sharp analytical mind and a natural ability to explain complex ideas clearly, Craig has built a reputation for being both technically excellent and genuinely approachable. He joined Citrus as a paraplanner in 2016

A recent BBC Panorama investigation has thrown a spotlight on a worrying, and illegal, practice in the UK property market: conditional selling by estate agents. If you’re planning to buy or sell a home, this is something you need to be aware of. What is Conditional Selling? Conditional selling happens when an estate agent pressures

If you’re an Amazon Prime subscriber, you’re probably used to the annual charge for your membership. But now fraudsters are exploiting this familiarity with a new scam designed to trick you into handing over personal and financial information. What’s the scam? Subscribers have reported receiving convincing emails claiming their Amazon Prime subscription is about to

Talking about money might not be your idea of romance, but it’s one of the best things you can do for your relationship. As someone who’s spent over two decades helping people with their finances, I’ve seen how easily couples fall into the same traps… and how much better things go when they don’t. Here

We’re delighted to announce that Jenny Brockman has now become a Financial Adviser at Citrus Financial. Welcome To The Advice Team Jenny successfully completed the financial advice qualification (Diploma in Regulated Financial Planning) in 2021, having already built a strong career in financial services. At that point, the opportunity to step into an adviser role

As interest rates hold steady and economic signals continue to shift, our July 2025 Economic Review offers a balanced summary of the key developments from June. Helping you stay informed in a fast-changing environment. DOWNLOAD HERE In this edition we cover: Bank of England holds rates at 4.25% – But more cuts are expected, with

This week, Money Mentor David Braithwaite shares practical tips to stay cool without cranking up your energy bills this summer. From affordable fan tricks to creating your own DIY air conditioning unit, David explores clever, low-cost ways to beat the heat. With energy bills soaring, it’s more important than ever to manage the rising temperatures

Friendly, patient and down-to-earth, Karen Gorbutt puts clients at ease with her caring, no-pressure approach. She takes time to listen and explain things clearly, helping people feel more confident about their financial future. As a mum of teenage boys and someone who juggles family life with amateur dramatics and karate, Karen is a real people

At Citrus Financial, protecting our clients’ financial wellbeing means more than just good advice. It also means keeping you informed and safe from evolving cyber threats. A recent article in The Guardian highlighted just how vulnerable our online accounts can be, especially in light of the ever-increasing number of cyber-attacks. Even trusted organisations like the

The Citrus Financial team had a fantastic time supporting Chipstead FC at their annual Presentation Day on Saturday 14th June, and what a day it was! Kicking things off bright and early at 8:00am, we were on site helping to set up for what turned out to be a sunny, celebratory day of football, fun,

In this week’s Money Mentor episode, David Braithwaite takes us through the savvy world of buying secondhand, with a special focus on how it can help save money when going through major life changes, like divorce. As David shares a recent story from Andrea, a listener who saved hundreds of pounds by buying secondhand bikes

Stay Informed: Download Our Latest Economic Review DOWNLOAD HERE As the UK economy continues to balance growth, inflation, and interest rate uncertainty, our June 2025 Economic Review provides a clear summary of what happened in May , and what may lie ahead. In this edition we cover: Growth beats expectations – The UK economy grew

Car insurance can feel like an unavoidable expense, but did you know that shopping around could save you hundreds? In this week’s episode of The Money Mentor, David Braithwaite shares practical advice on how to lower your car insurance premiums without compromising on coverage. After recently shopping around himself and saving 40%, David reveals the

DOWNLOAD HERE May Property Update: Download the Latest Residential Property Review As the property market adjusts to changing tax rules, interest rates, and buyer sentiment, our May 2025 Residential Property Review offers timely insight to help you stay informed. In this edition we cover: Stamp Duty changes boost March sales – Transactions surged 66% above

We would like to introduce you to Nicky Kirton, our Mortgage and Protection Adviser. With a financial services career spanning over 30 years, Nicky combines deep technical knowledge with a genuine passion for helping people, especially those who didn’t think home ownership was possible. How did you get started in financial services? I started at

At Citrus Financial, we pride ourselves on looking after our clients’ financial wellbeing. That includes keeping you informed about potential scams. We recently learned that someone known to us was targeted by a scam that’s becoming alarmingly common. It’s called the “Hi Mum” scam, and it’s taking advantage of caring parents and grandparents. How does

Saving money has become increasingly difficult for many, especially with the ongoing rise in living costs. In this episode of The Money Mentor, David Braithwaite, Money Mentor, addresses the real challenges people face when trying to save and provides actionable tips for overcoming them. According to the latest reports, 1 in 10 UK adults have

At Citrus Financial, your feedback has always been at the heart of the service we provide. It helps us understand what we’re doing well, and where we can do even better. Until now, we’ve used a short feedback survey that we created in-house. While this gave us useful insights, we know we can do more.

DOWNLOAD HERE Stay Informed: Download Our Latest Economic Review The UK economy is navigating a complex landscape of falling inflation, rising household costs, and shifting business confidence. Our May 2025 Economic Review breaks down what happened in April – and what to watch for next – to help you stay informed and in control. In

In March, the Financial Conduct Authority (FCA) issued a statement that could have major implications for the mortgage market, especially for first-time buyers and home movers. The FCA revealed that many lenders may not be making full use of the flexibility already allowed within current affordability rules, particularly around stress testing. This type of testing

DOWNLOAD HERE March Property Update: Download the Latest Residential Property Review The UK housing market continues to shift, with affordability pressures, regional differences, and tax changes shaping buyer behaviour. Our April 2025 Residential Property Review gives you a clear and concise look at what’s happening – and what might be ahead. In this edition we

Looking for easy ways to save money around the house? In this week’s episode of The Money Mentor, David Braithwaite shares a collection of practical money-saving hacks to help you cut costs without making major sacrifices. From reusing envelopes and old toothbrushes to smart batch cooking and free dry cleaning with steam, David’s tips are

How much money will you need in retirement? It sounds like a simple question but for many people, the answer is anything but clear. In fact, a 2023 study by Scottish Widows* found that only one in five UK adults feels confident they’re saving enough for retirement. So why do we avoid this question? And

This Easter, David Braithwaite, Money Mentor, is on a mission to help you save on your chocolate indulgences. In this episode, David conducts a taste test between well-known Easter egg brands and budget supermarket options, revealing surprising results! While brand names may be tempting, David shows how switching to budget brands could save you money

Are you dreaming of a holiday but worried about the cost? In this week’s episode of The Money Mentor, David Braithwaite shares expert advice on how to plan an affordable getaway. While the cost of living crisis continues to make things tough for many families, David explains how you can enjoy a holiday – whether

DOWNLOAD HERE Stay Informed: Download Our Latest Economic Review Economic uncertainty continues to dominate the headlines – but understanding the latest trends can help you feel more in control of your financial decisions. Our April 2025 Economic Review breaks down the key events from March and what they could mean for you. In this edition

This week, David Braithwaite, Money Mentor, uncovers the clever techniques that supermarkets and online retailers use to get us to spend more. Whether it’s through store layout, pricing tricks, or emotional buying triggers, David explains how shopping experiences are designed to tempt us into overspending. Listen here David offers simple strategies to help you avoid

At Citrus Financial, we love discovering the hidden talents of our team, and our very own Karen Gorbutt has certainly impressed us with hers. Hidden Talents Alongside her role as a brilliant financial adviser, Karen balances a busy family life as a mum to two boys, practises Karate in her spare time, and still finds

If you’re like many people, retirement planning sits somewhere between “I know I should think about it” and “I’ll get to it when life calms down.” But life rarely does calm down, does it? Whether you’re raising a family, climbing the career ladder, juggling commitments, or just keeping up with day-to-day demands, it’s easy to

Money can be a tricky subject, especially when it comes to family. Many of us avoid talking about financial planning with our loved ones, often for fear of causing a conflict. In fact, 10% of wealthy individuals never discuss it at all, and 27% admit they find the topic uncomfortable.* But here’s the thing, keeping

In this week’s episode of The Money Mentor, David Braithwaite breaks down a critical opportunity for anyone approaching retirement: filling gaps in your state pension records before April 5th. If you’re missing National Insurance years, you could be leaving money on the table, but David explains how you can go back and fill those gaps

DOWNLOAD HERE March Property Update: Download the Latest Residential Property Review This month’s Residential Property Review – March 2025 is packed with key updates and insights for anyone interested in the UK housing market. Whether you’re a homeowner, investor or planning your next move, staying informed helps you make better financial decisions – especially as

In this episode of The Money Mentor, David Braithwaite dives into the delicate topic of lending money to loved ones. Whether you’re borrowing or lending, money can complicate relationships. David shares essential advice on how to navigate these situations. Emphasising the importance of clear terms, communication, and understanding the emotional and financial risks. Listen here

The 2024/25 tax year-end deadline is fast approaching on 5th April, which means time is running out to take advantage of the valuable allowances and tax-efficient opportunities available to you. Whether you’re looking to maximise your ISA contributions, top up your pension, or make tax-efficient gifts, acting before the deadline can help you save money

Loyalty cards have become a ubiquitous part of our shopping habits, but do they really offer value? In this week’s Money Mentor episode, David Braithwaite explores the world of loyalty programs and whether they truly reward loyal shoppers. While some loyalty schemes offer genuine savings, David explains that the rewards often come with a catch.

DOWNLOAD HERE Stay Informed: Download Our Latest Economic Review With interest rates falling, inflation rising, and economic growth remaining uncertain, keeping up to date with financial trends is more important than ever. Our latest Economic Review – March 2025 breaks down the key developments shaping the UK economy. In this edition we cover: Interest rate

DOWNLOAD HERE Boost Your Property Knowledge: Download Our Latest Residential Property Review The UK housing market is buzzing with activity, and our latest Residential Property Review – February 2025 is here to keep you informed. Whether you’re a homeowner, investor, or first-time buyer, staying up to date with market trends can help you make more

The tax year-end deadline on 5th April is fast approaching, which means there’s still time for grandparents to make a meaningful financial difference to their children and grandchildren. Whether it’s helping to fund their future, reducing inheritance tax liabilities, or making the most of tax-free allowances, acting now could have long-term benefits for your family.

If you’re looking to stretch your budget, David Braithwaite, Money Mentor, has you covered with a series of quick money-saving hacks that could save you hundreds of pounds a year. In this week’s episode, David walks you through easy ways to cut costs, starting with your supermarket shopping. Swap to own brands, make use of

With the end of the tax year fast approaching, now’s the perfect time to check in on your finances and make sure you’re making the most of your allowances. Here are five simple but important things to tick off your list before 5th April. 5 Top Tips 1. Make the Most of Your ISA Allowance

Half-term is here, and if you’re looking for fun ways to keep your kids entertained without breaking the bank, David Braithwaite, Money Mentor, has got you covered. In this episode, David shares a variety of free activities that are perfect for making memories with your children or grandchildren. Whether it’s geocaching in the great outdoors,

DOWNLOAD HERE Stay Informed: Download Our Latest Economic Review The UK economy is facing shifting conditions, and our latest Economic Review – February 2025 is here to provide you with key insights into the latest developments. Understanding these trends can help you make more informed financial decisions, whether you’re an investor, business owner, or simply

Valentine’s Day is often seen as the ultimate opportunity to show love and appreciation, but it can also come with a hefty price tag. In this week’s episode, David Braithwaite, Money Mentor, offers insightful and creative ways to celebrate love without overspending. From the average £2.1 billion spent on Valentine’s Day in 2024 to the

Did you know that there are billions of pounds in lost pensions across the UK? In this week’s episode, David Braithwaite, Money Mentor, shares expert advice on how to track down pension pots from previous jobs. With the rise of job changes, many people unknowingly leave behind pensions from former employers, often worth thousands of

We’re delighted to welcome Phoebe Mills to the Citrus Financial team! Bringing Experience and Expertise Phoebe joins us as a Technical Administrator, bringing over four years of experience in the financial services industry. She previously worked as an adviser at a pension advisory firm, where she started as a trainee adviser before qualifying in November

David Parker retires: A fond farewell to a much loved and respected colleague. At Citrus Financial, we believe in celebrating the people who make our team so special, and today, we say goodbye to one of our longest serving team members, David Parker, as he embarks on a well-earned retirement. David has been an integral

The arrival of post-Christmas credit card bills can be a stressful reminder of holiday spending, but David Braithwaite, Money Mentor, is here to help you take control of your finances. In this episode, David talks about the importance of reviewing your credit card statements, understanding your balances, and taking charge of high-interest debt. January is

As we step into 2025, the ancient saying that ‘change is the only constant’ has never felt more relevant. With ongoing geopolitical shifts, rapid technological advancements, and evolving fiscal policies, navigating the investment landscape requires insight, expertise, and a clear perspective. That’s why the Quilter Investors 2025 Global Outlook is an essential read for investors

As a parent, juggling family life, work, and everything in between can make financial planning feel like just one more thing on your ever-growing ‘to do’ list. But spending just a little bit of time on your family’s financial wellbeing can bring huge peace of mind and long-term security. Here are five practical steps to

January can often feel like the gloomiest month of the year, but David Braithwaite, Money Mentor, is here to help you beat the “Blue Monday” blues. In this episode, he shares practical tips on how to save money when booking your next holiday while also protecting yourself from scams. From avoiding too-good-to-be-true offers to booking

January can be a tough month financially, with post-Christmas bills and the gloomy winter weather. But David Braithwaite, Money Mentor, is back with a challenge: how to make and save money in just one week! In this episode, David shares practical, actionable steps to help you get your finances back on track. Listen here From

As we step into 2025, many of us are thinking about New Year’s resolutions—whether it’s to lose weight, get fit, or take on a new hobby. But what about our financial fitness? David Braithwaite, Money Mentor, is back with valuable tips on how to start the year off strong financially. From reviewing subscriptions and cancelling

Many over-55s are returning to work or planning to ‘unretire’. Having additional income in retirement is a great idea, but it’s essential to consider the tax implications of this decision to avoid falling into a tax trap. Planning to work after retiring Research* shows that over a quarter of people aged 55 and above plan

Citrus Financial team had the privilege of handing over 140+ wrapped presents to Anne Ralph and Claire Davison from the amazing local charity, Friends for Families. Thank you for your amazing generosity Each gift – a carefully chosen board game – was donated by our generous team,  clients, community members, and organisations like Chipstead Football

This year’s ‘Board Games for a Brighter Christmas’ appeal has been a phenomenal success, and we have each of you to thank for your incredible generosity. Whether you’re one of our wonderful clients, a member of the Citrus Financial team, or part of the amazing community at Chipstead Football Club, your contributions have helped us

We are thrilled to announce that Citrus Financial has been shortlisted for the Adviser Firm of the Year – South East at the Professional Adviser Awards 2025. Being named alongside nine outstanding firms is an honour in itself, and we are incredibly proud to be recognised in such a competitive category. The Professional Adviser Awards,

At Citrus Financial, our partnership with Chipstead Football Club has always been about more than just sponsorship. It’s about supporting a community that shares our values of kindness and generosity. This was on full display during our ‘Board Games for a Brighter Christmas’ appeal for Friends For Families! Nearly 100 Board Games Donated by Chipstead

As parents, we want to give our children every advantage in life. From ensuring they have the best education to helping them navigate the complexities of growing up, we strive to prepare them for a bright future. But one area that often gets overlooked is financial education. Teaching your children how to manage money can

Our latest Residential Property Review magazine is available now. Stay informed about the latest developments in the UK housing market with our Residential Property Review Newsletter for November 2024. This month, we delve into the significant property market trends and insights, including: Budget Effects: The first Labour Budget in 14 years created ripples in the

At Citrus Financial, we’re proud to announce that we’ve been included in the Citywire New Model Adviser Top 100, a prestigious list celebrating the very best of the UK’s financial advice community. This accolade recognises firms that demonstrate outstanding achievements and leadership within the profession. The judges, using a methodology approved by AKG, evaluated firms

Our latest Economic Review magazine is available now. Stay ahead of the latest economic trends with our November Economic Review, which takes a detailed look at the major financial developments from October. Our monthly newsletter offers insights into the factors shaping markets and how they might influence future financial decisions. In this issue, key highlights

Please find blow a link to our summary of the Autumn Budget delivered by the Chancellor, Rachel Reeves, on Wednesday 30 October.  VIEW OR DOWNLOAD HERE In presenting Labour’s widely anticipated first Budget in 14 years, the Chancellor was faced with a challenging task. Following her announcement of a “black hole” in the public finances,

As adults, many of us have learned about money the hard way—through debt, overcharging by banks, and mishandled loans. But how can we ensure our children and grandchildren avoid these pitfalls and build a solid financial future? This week on BBC Radio Kent, David Braithwaite, Money Mentor, shared valuable insights on how to equip the

As the cost of living crisis continues to impact families across the country, this Christmas is set to be especially difficult for children in our community. Despite being generally considered as a well off area, it’s estimated that more than 6,000 children live in poverty across our district. Many less fortunate families are struggling to

As more of us turn to online banking and digital tools to manage our finances, the risk of falling victim to financial scams has never been greater. Scammers are becoming increasingly sophisticated in their tactics, often impersonating trusted figures or institutions to trick unsuspecting individuals into sharing sensitive information like bank details. Unfortunately, these scams

Subscription services are everywhere these days – gym memberships, streaming platforms, meal kits, and more. While they seem like an affordable way to access services, they can quickly add up if you’re not careful. In his latest BBC Radio Kent segment, David Braithwaite, Money Mentor, explains how easy it is to forget about those small

Our latest Residential Property Review magazine is available now. As the property market continues to evolve, it’s essential to stay informed about the latest trends and developments. Our Residential Property Review for October 2024 provides a comprehensive overview of key changes in the housing market, including insights into mortgage rates, house prices, and rental market

Nearly one in ten adults are termed ‘magpie’ investors. According to recent research*, these individuals invest in luxury items in the hope of seeing an increase in value and attractive returns. The favoured items to purchase include watches, jewellery, collectibles, art, wine, whisky, classic cars and high-end accessories like clothes and handbags. Jewellery came top

It might not be the most exciting thing to think about when looking for a new home but regulations for newly built homes can certainly make a big difference to buyers. Yet, with so many different regulations, rules and guidelines, it can be difficult to keep up with all the changes. Here is everything you

On this week’s episode of Money Mentor on BBC Radio Kent, David Braithwaite explores the empowering concept of financial freedom. Whether you prefer a hands-on approach or leaving it to the experts, David emphasizes that the most important factor is having the ability to choose. Listen here The episode covers practical tips on decision-making in

n the latest episode of Money Mentor on BBC Radio Kent, David Braithwaite embraces his new nickname: the “Indiana Jones of Finance.” With humor and practical wisdom, David discusses the thrill of finding great bargains while avoiding the traps of unnecessary spending. Listen here Whether it’s picking up yellow-label items at the supermarket or steering

Our latest Economic Review magazine is available now. Stay ahead of the latest economic trends with our October Economic Review, which takes a detailed look at the major financial developments from September. Our monthly newsletter offers insights into the factors shaping markets and how they might influence future financial decisions. In this issue, we discuss

We recently shared the exciting news that Citrus Financial had been shortlisted as one of six national finalists for ‘Small Advice Firm of the Year’ at the Money Marketing Awards 2024. While we didn’t take home the trophy this time, we couldn’t be prouder of our achievement and the incredible journey that got us here.

For most of us, our income is the foundation of our family’s security. It pays for our home, bills, and day-to-day expenses. But what would happen if you were too ill to work? Many people are unaware of how little support is available from the state, and relying on company benefits might not be enough.

Did you know, your pension isn’t just a retirement savings pot? It’s also an effective tool to help support future generations. In addition to ensuring your financial certainty when you finish working, defined contribution pensions are a tax-efficient way of passing on your wealth. Pensions can sit outside your estate for IHT purposes, so the

Managing your money effectively often comes down to how you spend and what influences your spending habits. David Braithwaite, Money Mentor for BBC Radio Kent, recently shared practical tips on how to manage emotional spending and create a more effective monthly budget. Listen here One key recommendation from David is to use a budget planner

The Westerham Horticultural Society Autumn Show, held on a sunny September 14th, was a huge success, with Citrus Financial proudly sponsoring the ‘Plot to Plate’ award. This unique competition invited participants to grow their own produce, bake with it, and make a chutney, jam, or curd using the same item. The creativity and talent displayed

The team is getting ready to attend the Money Marketing Awards 2024 tonight. We’re eagerly awaiting the results, having been shortlisted as one of six national finalists for the Small Advice Firm of the Year award! We shared our excitement when we first announced our shortlisting, and as the event approaches, we’re even more proud

Our latest Economic Review magazine is available now. Catch up on the key economic updates from August with our latest Economic Review. Our September edition covers critical financial stories that have shaped the markets and offers valuable insights for future planning. In this issue, we highlight the Bank of England’s first interest rate cut since

Students heading off to university are full of excitement, but they also face financial risks. In his role as Money Mentor on BBC Radio Kent, David Braithwaite recently addressed the various scams targeting students today. Listen here A major concern is job scams. If you’re a student looking to make extra cash, be wary of

Winter may be a few months away, but now is the perfect time to prepare your home and finances. Recently, on BBC Radio Kent, David Braithwaite shared advice on how to cut energy costs and check your pension credit eligibility Listen here First, make sure you’re aware of any benefits you might be entitled to.

Summer is here, the days are at their longest… and your property dreams may be closer than you think! Whether you’re hoping to move up, down or onto the ladder, with a little preparation, you can be mortgage ready before the leaves start falling again. Here are four quick steps you can take right now:

After a long, bleak winter and a rainy spring, summer not only brings hope of sunnier days but also hope of a better financial future. With inflationary pressures receding and the economy showing signs of growth, it could be a good opportunity to prioritise some pension-related matters to ensure brighter days really do lie ahead.

At Citrus Financial, we understand the frustrations that come with disappointing customer service. Whether it’s being stuck in an endless phone queue, being left on hold, unable to speak to a human, or being directed to a website’s FAQ section instead of getting the help you need—these experiences can be incredibly disheartening. That’s why we’re

Our latest Economic Review magazine is available now. Explore the key financial updates from July in our August Economic Review. This edition covers the latest economic developments that could shape future market trends and financial decisions. We review the UK economy’s stronger-than-expected growth, with a 0.4% rise in GDP for May, and survey data indicating

Was your new year’s resolution to move home in 2024? That seems to be the case for many homeowners in the UK, as there were a record number of requests for in-person property valuations in January*. What is a home valuation? One of the first steps a homeowner will take towards putting their house on

Last week, we had the pleasure of welcoming Harry, a Year 10 student from Tunbridge Wells Grammar School for Boys, to Citrus Financial for his work experience. We set Harry a challenging project: to create a short video advising young people on the benefits of investing early. Harry approached the task with enthusiasm and creativity,

How’s your retirement plan coming along? In order to secure financial stability and peace of mind when you stop working, whether you’re nearing retirement, or you still have many years of your working life ahead, careful planning is crucial. Be Proactive Recent data* has shown that on average people actively start planning for retirement around

When was the last time you reviewed your life insurance policy? It might not be easy to think about what will happen when you’re gone, but it is important to make sure your cover is still relevant for your current circumstances. Life insurance is designed to provide financial support to your loved ones in the

Home owners and insurers a like are feeling the impact of the winter storms, as the average home insurance premium increased by 4% in the final quarter of 2023*. A stormy winter The last three months of the year saw six storms officially recorded by the Met Office, with the first three alone causing 36,000

Did you know that 64 countries are due to hold elections this year (including India, Brazil, the US and the UK)? Some of these elections carry significant global implications and, depending on their outcomes, will influence the geopolitical landscape, and global and regional investment markets. Investment implications Markets don’t like uncertainty. Election years are typically

In the first ten months of the 2023/24 financial year, HMRC collected £6.3bn in IHT receipts, £0.4bn more than the same period the previous fiscal year. This represents a 6.8% rise year-on-year and suggests this year’s annual figure will comfortably surpass last year’s record-breaking total of £7.1bn. With the nil-rate threshold frozen at £325,000 for

The advent and development of artificial intelligence (AI) is exciting and intriguing, and seems to be permeating everyday life, from virtual assistants like Siri and Alexa, to opening your phone with face ID, all powered by AI functionality. While a whole host of positive AI-related developments will no doubt improve elements of our lives, there

There are several ways to minimise the amount of Inheritance Tax (IHT) your family pay when you’re gone. In addition to maximising IHT allowances, other planning opportunities include utilising gift exemptions. Making IHT-free gifts Each financial year you can make gifts of up to £3,000 (in total, not per recipient) and if you don’t use

Citrus Financial is thrilled to be shortlisted as a finalist for the ‘Small advice firm of the year’ at the prestigious Money Marketing Awards 2024! What a week! What a week! First, we have six team members nominated for the Women in Financial Advice Awards, and today we learnt that Citrus Financial has been shortlisted

We’re thrilled to announce that these amazing members of the Citrus Financial team have all been nominated for the prestigious Professional Adviser Women in Financial Advice Awards 2024! Amazing achievement These awards celebrate the incredible achievements of women in the financial services industry, a sector where women are still under-represented. They’re all about recognizing the

Nearly one in five parents and grandparents who helped a family member buy their first home used their own property wealth to do so, new research* has shown, raising concerns that some might be leaving themselves short. Families help out First-time buyers are increasingly relying on family members’ support to get on the housing ladder.

The start of a new financial year presents an opportune moment to assess your finances, particularly if recent life changes have come your way. Make sure to prioritise a review of your protection insurance at this time. Safeguard your future Tailoring your protection to meet your unique needs serves as a crucial safety net, offering

Have you ever thought about the additional financial challenges faced by women? If not, a new report* has taken a closer look at the reasons that can and are preventing women from accumulating the same wealth as their male counterparts. It really does make interesting reading and highlights that (perhaps to be expected) having children

Chipstead Under 10s girls, proudly sponsored by Citrus Financial, finished their home campaign in style with a resounding 14-2 victory against Tunbridge Wells. Here’s a review of their final home game. Sportsmanship and Fun Take Center Stage In a true display of sportsmanship, Chipstead loaned some players to Tunbridge Wells to ensure a fun and

The ultimate retirement dream is actually very simple according to research*. Most respondents to a survey (94%), which questioned 2,000 respondents aged 50 and over on their aspirations for later life, answered that financial security for the rest of their life featured prominently. Other retirement aspirations included being able to maintain one’s desired lifestyle (94%),

Life insurance and critical illness cover are fundamental financial safety nets. They provide peace of mind in the face of life’s uncertainties, protecting your loved ones financially if you die, become critically ill, or are unable to work due to illness or injury. But did you know these policies often come with valuable added benefits

Please download below our summary of the Spring Budget delivered by the Chancellor Jeremy Hunt on Wednesday 6 March. DOWNLOAD HERE In what was widely expected to be Mr Hunt’s final Budget ahead of an election, speculation in the final run up focused on the trade-offs that might be required around cutting taxes and meeting

Playing football is more than simply kicking a ball around – for young girls, it can be a powerful tool for building confidence and developing essential life skills. A recent report, “Here for Every Goal,” highlighted the positive societal impact of the growth of elite women’s football, particularly on young girls. 80% of young girls

Citrus Financial is delighted to announce that Elian Lawrence has joined our team of financial advisers. She brings a wealth of knowledge with her and has very generously allowed us to mention that she has over 37 year’s experience of working within the financial services industry. During her career as a financial adviser, Elian has

Join us for a FREE webinar on Thursday, March 14th at 12 PM to uncover the secrets of the 2024 Spring Budget and to make the most of your tax allowances before April 5th. Join our webinar Join our webinar hosted by BBC Radio Kent’s ‘Money Mentor’, David Braithwaite, and our panel of specialists to:

What action do you need to take before 5 April 2024? This year again, it’s crucial to think about how external factors, such as inflation and reduced or frozen allowances, could impact your finances. Have you considered whether you will be affected by the reductions to the Capital Gains Tax (CGT) exemption and Dividend Allowance?

Listen in to hear how Richard Harris, Citrus Financial’s COO, got on when he took part in BBC Radio Kent’s Daily News Quiz. Listen here If you have a spare 4 minutes, why not listen in to BBC Radio Kent, as Richard Harris takes part in the Daily News Quiz. Richard joined Anna Cookson for

Did you know that you can make one-off pension payments at any time? In fact, people are encouraged to do so with tax incentives offered by the government. If you have accumulated extra money from a windfall, bonus or through saving, why not consider powering up your pension with a single contribution? Crunch the numbers

Join David Braithwaite, The Money Mentor, every Monday afternoon on BBC Radio Kent’s Dominic King Show. Listen here Tune in to BBC Radio Kent as financial adviser David Braithwaite, also known as ‘The Money Mentor’, shares his expert insights on how to control the increasing cost of watching TV. In his weekly appearance on the

Join David Braithwaite, The Money Mentor, every Monday afternoon on BBC Radio Kent’s Dominic King Show. Listen here Tune in to BBC Radio Kent as ‘The Money Mentor’, financial adviser David Braithwaite, shares his expert insights on the rising cost of car insurance. In his weekly appearance on the Dominic King Show, David discusses how

As a mortgage holder with some extra disposable income, the prospect of paying it off sooner can be appealing. But if you do want to overpay your mortgage, it’s important to check your lender’s terms and conditions. Why overpay your mortgage? The most obvious reason to overpay your mortgage is that you’ll be moving a

Join David Braithwaite, The Money Mentor, every Monday afternoon on BBC Radio Kent’s Dominic King Show. Listen here Tune in to BBC Radio Kent ‘The Money Mentor’, financial adviser David Braithwaite, shares his expert insights on how do deal with your credit card bills. The perfect storm of higher interest rates and higher levels of

Citrus Financial is pleased to announce the permanent appointment of Chloe Little as a Client Services Administrator. If you’ve visited our office recently, you’re sure to recognise Chloe. She joined us on a temporary basis in 2023 to look after our reception and meet and greet clients. However, she’s done such a good job and

Much ink is spilled discussing the difficulties that young people face to get onto the housing ladder. At the other end of the spectrum, a growing number of people now expect to be paying their mortgage off into old age. Longer loans More than three in 10 homeowners now expect still to have a mortgage

A pandemic closely followed by a cost-of-living crisis has undoubtedly created a challenging financial backdrop for us all, potentially heightening money-related anxiety. At times like these, it’s more important than ever to talk through any concerns to protect both your financial and mental wellbeing. A clear link Research* highlights a clear, if intricate, link between

In the grand scheme of life, your 40s and 50s can be a unique and pivotal period. It’s when you’ve accumulated a wealth of experience, both personally and professionally, but it’s also the time when financial responsibilities tend to peak. It’s no wonder that many turn to the concept of a midlife MOT to ensure

2023 saw global equity markets shrug off inflation, a cost-of-living crisis, interest-rate hikes, and rising geopolitical tensions to deliver double-digit returns, while bond markets also delivered robust gains. As we start the new year, the question now turns to what might be in store for investors in 2024. In Quilter Investors’ latest global outlook, there

Our latest Residential Property Review magazine is available now. The decision from many mortgage lenders to reduce rates seems to have had the desired effect, as buyer interest has noticeably increased; Lenders are competing to offer the best deals; At the end of the first week of January, according to Zoopla, there were 10% more

Our latest Economic Review magazine is available now. This month’s Economic Review includes: On 13 December, the Bank of England’s Monetary Policy Committee (MPC) voted by a six to three majority to leave Bank Rate unchanged at 5.25%. The Bank insisted it is ‘too early’ to speculate about when rates might be reduced Although last

Our latest Residential Property Review magazine is available now. According to Zoopla, sellers accepted an average discount of £18,000 on their property sale in November 2023 – the highest average price cut in five years. Rightmove’s annual Happy at Home Index reveals the happiest places to live in the UK. The Index is based on

With the government on a mission to raise more income from taxes, understanding the full impact of fiscal changes on investments has arguably never been so critical. One area that has been subject to particularly sharp reductions is the Dividend Allowance, with changes likely to have a significant impact on many investors. Six-year reduction The

A recent survey* has revealed the dramatic impact that Chancellor Jeremy Hunt’s decision to scrap the pension Lifetime Allowance (LTA), made several months ago, is having on people’s retirement planning. The decision In his first Spring Budget Statement delivered on 15 March, the Chancellor announced that the LTA charge would be removed from April 2023

Remortgaging means changing your existing mortgage to a new deal, either with a new lender or the same one. With every penny being crucial, switching to a new deal could save you a considerable amount. 1. Deal about to end? When your fixed-rate deal comes to an end, you will likely be switched to a

We would like to say a huge thank you on behalf of Citrus Financial and Friends for Families, for all the amazing board games we received! We have been inundated. We know that it’s tough for everyone at the moment, so we’ve been amazed by the generosity of our clients, Chipstead Football Club and our

We were delighted to have two VIP guests in our office on Monday evening. Two superstars from the Chipstead U10 girls team brought a mountain of board games with them. The games were generously donated by the players, parents and coaches at Chipstead FC to support our Friends for Families campaign.   Please help us

Join David Braithwaite, The Money Mentor, every Monday morning on BBC Radio Kent’s Dominic King Show. Listen here Tune in to BBC Radio Kent as financial adviser David Braithwaite, also known as ‘The Money Mentor’, shares his expert insights on understanding energy bills and navigating the new price cap. In his weekly appearance on the

Citrus Financial is pleased to announce the appointment of Jennifer Brockman who is working her way to become a Financial Adviser. Jennifer already has more than seven years’ experience of the financial services industry. Most recently working as a Senior Paraplanner with another financial advice firm. Jennifer completed the Diploma in Regulated Financial Planning 2021.

After more than a decade of putting up with low returns on cash savings, the substantial increase in rates over the past two years has been welcomed by savers, but it’s important not to rely too heavily on cash savings and to carry on investing to maximise potential returns and target long-term financial goals. Consider

It can be tempting to cancel your protection when times are tough and you’re tightening the purse strings. But removing the vital support that protection cover offers might not be the wisest move. Take a step back Some households are considering reducing their level of protection, potentially leaving themselves vulnerable to financial shocks. With higher

All investors use insights, trends, and data from across the globe to help them make decisions. Between the lines is an easy way for you to understand how a current topic might be impacting markets and influencing your investments. This month’s edition of Between the lines takes a look at what the following means for

Join David Braithwaite, The Money Mentor, every Monday morning on BBC Radio Kent’s Dominic King Show. Listen here Join financial adviser David Braithwaite, popularly known as ‘The Money Mentor’, as he makes his weekly appearance on the Dominic King Show on BBC Radio Kent. In this episode, David and Dominic dive into the topic of

Join David Braithwaite, The Money Mentor, every Monday morning on BBC Radio Kent’s Dominic King Show. Listen here In this week’s episode of the Dominic King Show on BBC Radio Kent, join renowned financial adviser David Braithwaite, also known as The Money Mentor, as he sheds light on the alarming prevalence of financial scams. Tune

BBC Radio Kent’s Steve Ladner spends 15 minutes in the company of David Braithwaite. Listen here Join Steve Ladner as he interviews David Braithwaite. In a fun 15 minutes we hear about David’s love of Kent, his journey to becoming a financial adviser, and his passion for communication. Especially, explaining technical things in a way

We’re delighted to have received our first donations towards our Board Games for a Brighter Christmas campaign. We’re working with Friends for Families, a local charity that helps families facing financial hardship in the Sevenoaks area. We want to bring a bit of Christmas cheer to as many families as possible. Please help us by

Our latest Residential Property Review magazine is available now. The Royal Institution of Chartered Surveyors (RICS) latest UK Residential Survey shows demand, sales, instructions, and prices remain in negative territory. According to Rightmove, the number of tenants looking to move now, compared to 2019, has increased by more than 40%, while the number of available

Join David Braithwaite every Wednesday afternoon, on BBC Radio Kent’s Money Matters. Listen here This week is all about Inheritance Tax (IHT). It’s something that will impact most of us during our lifetime. David’s giving a masterclass on IHT covering questions such as: Do you have to pay it? Does it impact your partner? What’s

Continued high inflation is prompting many people, particularly those over 50, to question whether paying for life insurance is money well spent. These findings* have sparked fears of vulnerabilities. Cutting costs The survey of 1,000 over 50s has shown that 22% of customers are thinking about cancelling their monthly premiums because of the rising cost

The current market conditions have left many investors feeling uncertain about whether now is a good time to invest. However, it’s important to remember that markets go up and down, and that moving out of your investments to cash could cost you in the long run. Join our webinar In this webinar, we’ll discuss whether

With the cost of living rising, many families in our local area are facing severe financial hardship. This Christmas will be especially difficult for them. That’s why we’re working with Friends for Families, a small local charity that helps families facing financial hardship in the Sevenoaks area. We want to bring a bit of Christmas

Citrus Financial is pleased to announce the appointment of Karen Gorbutt as a Financial Adviser. Karen has over 15 years of experience in the financial services industry, having started her career at Morgan Stanley. Karen is a qualified Financial Adviser with a Level 4 Diploma in Financial Planning. She is passionate about helping people achieve

Several changes to pensions were announced during the Spring Budget earlier this year. Regarded as the most significant since pensions freedoms in 2015, the changes, expected to provide greater flexibility and opportunity, have largely had a positive reception. The overhaul is intended to make it more straightforward for individuals to accumulate a bigger pension pot

Join David Braithwaite every Wednesday afternoon, on BBC Radio Kent’s Money Matters. Listen here This week we’re looking at how to gift money to your children or grandchildren. Are there limits? What should you do if it’s for a deposit for a home? What will the bank need from you to show it’s a gift

Join David Braithwaite every Wednesday afternoon, on BBC Radio Kent’s Money Matters. Listen here This week David is taking a look at bank accounts, specifically fixed rate savings accounts. How does a fixed rate account work and is it a sensible thing to do? Also, why it pays to shop around? David also explains how

The number of residential properties up for sale has increased according to latest data*, which could further strengthen the position of buyers. Supply surge? Ever since the pandemic days of frenetic buying, demand outstripping supply has been a familiar picture in the UK housing market. And with interest rates rising sharply in the past year

Recent data from HM Revenue & Customs (HMRC) has shown that Inheritance Tax (IHT) receipts for the 2022–23 tax year totalled £7.1bn, up £1bn from the previous tax year. With receipts consistently rising, this significant uplift can be attributed in part to ‘a combination of the recent rises in asset values and the government’s decision

Life’s unpredictable. While we think the unexpected will never happen to us, unfortunately it sometimes does. So, if you found yourself in this situation, how would you and your family cope? You may not be able to rely on the state Unless you have substantial savings, or you benefit from a sick pay scheme run

It comes as no surprise, with financial challenges impacting everyone’s pockets, that parents are prioritising worries regarding their children’s finances above their own, a trend highlighted in a recent survey of advisers*. According to the survey, 55% of respondents specified that amid cost-of-living challenges adult children were being prioritised in clients’ wealth planning, with many

Join David Braithwaite every Wednesday afternoon, on BBC Radio Kent’s Money Matters. Listen here This week we’re talking ISAs – there’s more to them than some people think, including a similarity to tupperware. On a more serious note he also helps a listener with her finances following divorce. Specifically, what should you do about your

Our latest Economic Review magazine is available now. This month’s Economic Review includes: Following its latest meeting the Monetary Policy Committee (#MPC) voted by a 7-2 majority to raise Bank Rate by half a percentage point. This was the 13th successive increase taking rates to 5.0%, their highest level for 15 years. Figures published last

Join David Braithwaite every Wednesday afternoon, on BBC Radio Kent’s Money Matters. Listen here This week, fresh from his summer holiday he’s talking about the bank of Mum and Dad. Can you help your children buy a home? He’s also talking about the cost of living crises and where to turn for help if you’re

Our In Focus magazine is available now. As usual, we have sought to address topical issues that are likely to be of interest to most readers. The topics covered in this edition are: Planning for your best retirement Choosing how to transfer your wealth Be aware of ‘fiscal drag’ Are you keeping financial secrets? Bringing

At Citrus Financial, we strive to provide exceptional financial advice to our clients. We believe that the best way to reach more individuals who can benefit from our expertise is through personal recommendations. If you have enjoyed the service you’ve received from us, we would like to ask you to consider recommending Citrus Financial to

Join us for an exclusive webinar as we navigate the challenges faced by the UK economy in the midst of an economic storm and the imminent threat of what’s been described as a ‘mortgage time-bomb’. The cost-of-living crisis, along with escalating inflation, interest rate hikes, and the lasting repercussions of the Spring Budget, have placed

Our latest Economic Review magazine is available now. This month’s Economic Review includes: Revised projections released last month by both the Bank of England and International Monetary Fund suggest the UK economy is now set to avoid #recession this year. The BoE’s latest forecast predicts the economy will grow by 0.25% across the whole of

Our latest Residential Property Review magazine is available now. This month’s Residential Property Review includes: Releases from Savills show a mixed picture with the UK Housing Market Update pointing to recovering market activity in May, even as the English Housing Supply Update for Q1 2023 revealed a quarterly drop of 20% in new homes completed.

All investors use insights, trends, and data from across the globe to help them make decisions. Between the lines is an easy way for you to understand how a current topic might be impacting markets and influencing your investments. This month’s edition of Between the lines takes a look at what the following means for