News in Review

The UK economy grew slightly in August, but experts warn of tougher months ahead  The IMF sees steady global growth, with the UK outperforming most G7 nations this year  US-China tensions flare as rare earth export controls spark new tariff threats  “We will continue to prioritise economic and fiscal stability”  Latest data from the Office […]

In the news

A third of people expecting £300k+ inheritance don’t fully understand IHT, risking lost family wealth   Only 20% plan lifetime transfers, 22% avoid inheritance discussions and 28% don’t understand planning options  UK dividends hit £35.1bn in Q2, with banks and Rolls-Royce contributing to underlying growth  People don’t understand IHT  Research1 shows there’s a significant knowledge gap […]

Mortgage Guarantee Scheme launched

The Mortgage Guarantee Scheme is now permanently available across the UK  Lenders are insured against losses, supporting availability of high LTV mortgages  When borrowing at higher loan-to-value levels, it’s important to tread carefully  The government’s new Mortgage Guarantee Scheme became permanently available in July 2025.  The scheme, which was part of Labour’s election manifesto, aims […]

Financial decisions – put your best foot forward

Going outdoors for an energising walk can help bring clarity when making major financial decisions  Focus on your long-term goals and make sure your decisions are aligned with your risk profile  Professional guidance can help you understand what’s right for you and your circumstances  Perplexed by your pension? Seeking investment inspiration? Then why not head […]

News in Review

Latest data from Halifax shows that house prices decreased by 0.3% month-on-month in September  IFS says Chancellor Rachel Reeves should avoid ‘directionless tinkering and half-baked fixes’ in next month’s Budget  Donald Trump has hailed “the historic dawn of a new Middle East” in an address to Israeli lawmakers  “A relatively lower mortgage rate environment and […]

Autumn housing market outlook

Buyers gain negotiating power with more homes available and improving mortgage affordability  Sellers must adopt competitive pricing strategies as overpriced homes risk being overlooked  Modest price growth is expected, but steady activity could sustain momentum through autumn  As summer fades, the UK housing market moves into autumn with steady momentum. A high volume of homes […]

Future proofing your finances this autumn

Autumn offers a chance to take stock and review your pensions, savings and investments   Establishing robust financial foundations is essential in times of economic uncertainty and elevated living costs  To feel confident about your financial future, build short-term resilience and strengthen long-term security  As the days shorten and the evenings draw in, autumn is a […]

Autumn Budget – forward thinking

The Autumn Budget may bring tax changes affecting pensions, IHT, savings and investments  Speculation is high, but proactive planning can strengthen financial resilience ahead of announcements  Reviewing contributions, allowances and inheritance strategies ensures you’re prepared for future changes  As the Autumn Budget approaches, speculation is growing about what the Chancellor may announce.  The National Institute […]

Homing in on the mortgage challenges facing gig workers

76% of UK gig workers face mortgage and loan application rejections despite good credit  Traditional credit systems don’t reflect gig workers’ multiple income sources  Expert guidance helps gig workers improve mortgage approval odds by validating diverse income  Variable income streams. Multiple employers. Seasonal side hustles. This is business as usual for gig economy workers, freelancers […]

You are now leaving the website of Anne Wray Independent Financial Adviser and we cannot be held responsible for the content of this external website.

You are now leaving the website of Anne Wray Independent Financial Adviser and we cannot be held responsible for the content of this external website.

You are now leaving the website of Anne Wray Independent Financial Adviser and we cannot be held responsible for the content of this external website.

Count me in

You are a valued client of Anne Wray IFA. If you would like to hear about important news and information then please complete your details below.

It is to meet the new General Data Protection Regulation (GDPR), which builds on previous data protection legislation and comes into effect on 25th May 2018. It is designed to protect the public from receiving marketing materials they haven’t asked for.

This means we need to be able to demonstrate that you gave consent for us to contact you with news.

We’re very proud of our ethical approach, we will not pass your details to any third party. Your information will be stored securely and used to contact you with news and information which we hope will be of interest.

Thank you.

Subscribe to our mailing list

* indicates required