In prime property markets, finance is rarely straightforward. For high-net-worth individuals, wealth is often international, illiquid, and held across layered structures that sit far beyond the reach of conventional mortgage models. This article explores how bespoke property finance works at the upper end of the market, where lending is shaped around global assets, future liquidity events, and long-term wealth strategy rather than salary multiples. From asset-backed lending to cross-border structuring, it offers a clear view of how sophisticated borrowers navigate property acquisition in an increasingly complex world.

Organising your finances in 2026 is less a matter of discipline than of design. Over time, money has become more fragmented: accounts opened for specific moments, pensions accumulated across careers, investments spread across platforms. The result is rarely overt disorder, but a lingering lack of clarity and the sense that things are broadly fine, yet never fully in view. That uncertainty carries a cost. Financial organisation, in this context, is not about doing more, but about creating systems that make it easier to see what exists, understand what it is for, and respond calmly when circumstances change. Here’s our guide to getting your finances in order for 2026.

Inheritance tax has entered a decisive turning point. In the wake of the recent Budget, long-standing assumptions about pensions, property, and legacy are being rewritten, reshaping how families plan across generations. In this Essential Series conversation, Rose Macfarlane, Partner at Irwin Mitchell, explores what the reforms really mean in practice, from the new caps on business and agricultural relief to the unexpected inclusion of pensions, and why the window for strategic action is narrower than many realise.

The equestrian world is a place where passion, heritage and high-performance meet, but behind the elegance of the sport lies a landscape shaped by complex legal, tax and planning considerations. From international movements of high-value horses to structuring equestrian businesses and safeguarding family estates, the sector demands specialist guidance. In this feature, we spotlight Forsters’ unparalleled expertise across the full equestrian ecosystem, offering insight into the issues that matter most to riders, owners, investors, and families building a life around the sport they love.

The Autumn Budget delivered today has reshaped the fiscal landscape with a clarity that can no longer be ignored. For the first time in years, the government has moved decisively on wealth, property and asset-based income, signalling a new era of higher taxation, stricter compliance, and reduced flexibility for families with significant holdings. Against a backdrop of global volatility and domestic pressure for revenue stability, the measures unveiled mark the beginning of a multi-year recalibration of how wealth is taxed, structured and transferred in the UK. For private-client families, entrepreneurs and cross-border households, the question is no longer if the rules will shift, but how quickly, and how prepared you are when they do.

As the FSCS raises its deposit protection limit from £85,000 to £100,000 on 1 December, many savers are asking what this change truly means, not just technically, but strategically. In this piece, we unpack why the increase is happening now, how the rules work in practice, and the risks clients should still be conscious of in a volatile market. From banking licences to temporary high balances, concentration risk to cash-rate complacency, this article offers a clear, calm guide to navigating cash protection with confidence in an increasingly uncertain financial landscape.

Born in a 17th-century coffee house where merchants met to insure ships and cargo, Lloyd’s of London has grown into the world’s most renowned insurance marketplace, underwriting everything from art collections and cyber risks to natural catastrophes. Yet behind its tradition lies a modern investment opportunity that’s quietly attracting a new generation of sophisticated investors. We spoke with Kate Tongue and Marnie Hunter of Argenta Private Capital to reveal how Lloyd’s offers diversification, inheritance tax advantages, and enduring appeal in an increasingly automated financial world.

The British property market is entering a period of realignment. After years of volatility, a wave of reforms, from the Leasehold and Freehold Reform Act to new rental protections and digital transparency rules, is reshaping how homes are owned, bought, and sold. We explore the forces driving these changes, what they signal for buyers, landlords, and investors, and why 2025 may mark the beginning of a more transparent, accountable era for UK property.

For the first time in half a decade, the FTSE 100, the UK’s flagship stock market index, has hit record territory.
The headlines call it a “five-year high.” Investors are celebrating. Politicians are quoting it.
But behind the numbers lies a more interesting truth: this isn’t a boom built on hype, but a quiet re-rating of Britain’s most global companies; and a signal that value, yield, and patience are back in fashion. We unpack what the FTSE 100 really measures, why it’s rising now, and what this moment reveals about the next era of wealth creation.

In an era ruled by intangible digits and blockchain cryptography, gold’s timeless allure feels almost archaic. As policy uncertainty festers, inflation concerns linger, and central banks wobble under geopolitical pressures, gold not only retains its shine but is soaring to new heights. Its value today is not merely monetary; it reflects deeper anxieties and strategic recalibrations shaping global power. In this guide we share the historical, political and investment context of the power of gold.

In April 2025, the UK abolished the longstanding non-dom tax regime, extending inheritance tax (IHT) to encompass global assets of UK residents—marking a seismic shift for high-net-worth individuals. Now, amid mounting concerns over an exodus of affluent non-doms and potential damage to the UK’s competitiveness, Chancellor Rachel Reeves is reportedly revisiting this policy. Join us as Hunters Law unpack the implications of this possible U-turn, its impact on trust structures and global tax planning, and what strategic adjustments may be necessary to preserve wealth while maintaining legal resilience.

The UK property market remains one of the world’s most desirable, yet few realise just how complex the tax and legal landscape has become. From SDLT surcharges to inheritance tax traps, the difference between a simple purchase and a sustainable legacy often lies in the structuring. For UK and non-UK residents alike, the right approach can determine whether a townhouse becomes a family asset or a tax burden. Our latest guide unpacks the rules, reliefs, and risks — with scenarios showing how high-net-worth families can optimise for efficiency, succession, and resilience.

Moving to the UK as a US expat comes with exciting opportunities—but also unique challenges. From understanding visa requirements and tax obligations to adapting to cultural differences and the UK’s healthcare system, there’s a lot to consider. Whether you're relocating for work, study, or a fresh start, this guide will help you navigate the key aspects of expat life, ensuring a smoother transition across the pond.