What are the opening hours?

Monday 9am - 9pm Tuesday 9am - 9pm Wednesday 9am - 9pm Thursday 9am - 9pm Friday 9am - 9pm

Thomas Whiting (Financial Services) Ltd

Home
United Kingdom
Bolton
Thomas Whiting (Financial Services) Ltd

Call Directions Website Contact the business

A Family Firm of Financial Advisers offering Advice on Pensions, Investments, mortgages, protection

Financial Advising Service: Pensions,Retirement Planning, Investments, Insurance, Protection and Mortgages. We choose the most suitable product for you from the whole market, unlike high street banks.

22/10/2026

Had a good year financially? You could potentially put more into your pension than you think.

The standard pension annual allowance is £60,000 this tax year, including employer contributions. You may also be able to carry forward unused allowances from the previous three tax years, provided you were a member of a pension scheme in those years. Other rules apply, so it’s worth checking your position before the tax year ends.

21/10/2026

For limited company directors: employer pension contributions may qualify as a business expense, reducing taxable profits and potentially corporation tax, if paid in the accounting period and meeting HMRC’s wholly and exclusively test.

08/10/2026

Mortgage rates are creeping back up.

Average fixed rates are now around:
• 5.63% for a 2-year fix
• 5.68% for a 5-year fix

If your current fixed-rate mortgage ends within the next 12 months, it may be worth reviewing your options early. You don’t have to wait for your lender’s letter before understanding what could be available.

Rates can change, and the right choice depends on your circumstances, affordability and plans. This is general information, not personal financial advice.

07/10/2026

From April 2027, most unused pension pots are expected to count towards your estate for Inheritance Tax purposes.

That could mean a 40% Inheritance Tax charge on the part of your estate above the relevant thresholds. But withdrawing your pension early isn’t automatically the answer. Taking money out could create an income tax bill and may still leave you with a larger taxable estate if the funds are saved or invested elsewhere.

The right approach depends on your pension, income, estate and family circumstances. Before making a major withdrawal, consider how the proposed rules could affect your overall position.

Tax rules can change, and this is general information, not personal financial advice.

06/10/2026

The State Pension is set to pass £13,000 a year, but do you know what you could receive?

Around 1 in 8 people have never checked their State Pension forecast. It takes about 10 minutes to check online through GOV.UK.

Your forecast can show:
• How much State Pension you could receive
• When you’re expected to receive it
• Whether there are gaps in your National Insurance record

The amount you qualify for depends on your individual circumstances, including your National Insurance record.

Search “Check your State Pension forecast” on GOV.UK to find out where you stand.

04/10/2026

Running a limited company? For 2026/27, dividend tax is 10.75%, 35.75% or 39.35%, with a £500 allowance. The right salary/dividend mix depends on your circumstances.

03/10/2026

HMRC is automatically enrolling sole traders and landlords earning over £50,000 into Making Tax Digital. Get your records digital now: your next quarterly update is due 7 November 2026.

02/10/2026

With the Autumn Budget on 28 October, CGT changes are being discussed, but nothing is confirmed. Review your £3,000 exemption, ISAs, pensions and timing of gains before acting.

01/10/2026

ISA changes from 6 April 2027: under-65s will have a £12,000 Cash ISA limit, while the overall allowance stays £20,000. Interest on cash in non-cash ISAs will also face a charge. Plan ahead.

30/09/2026

One in six workers have paused workplace pension contributions due to living costs. Stopping can mean losing employer contributions and tax relief. Before you stop, explore your options or seek advice.

Address

Unit 2, 318 Chorley Old Road
Bolton
BL14JU

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm

Telephone

+441204840881

Website

http://Www.thomaswhiting.co.uk/, https://calendly.com/thomaswhitingltd, https://register.fca.org.uk/s/firm?id=001b000000

Alerts

Be the first to know and let us send you an email when Thomas Whiting (Financial Services) Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.