RML Financial Management

24/08/2026

𝐍𝐞𝐰 𝐈𝐒𝐀 𝐩𝐫𝐨𝐝𝐮𝐜𝐭 𝐟𝐨𝐫 𝐟𝐢𝐫𝐬𝐭-𝐭𝐢𝐦𝐞 𝐛𝐮𝐲𝐞𝐫𝐬

In June, the government launched a consultation on the implementation of a new Individual Savings Account (ISA) product to support first-time buyers (FTBs).

The FTB ISA is due to be introduced in April 2028 and, once available, is intended to replace the Lifetime ISA (LISA). A key difference between the two products is that the new FTB ISA will have no upper age limit. Currently, you have to be under 40 to open a LISA, but the FTB ISA will be available to any new homeowner over the age of 18. Also, savers will be able to withdraw cash from the FTB ISA without a penalty, whereas there is currently a 25% charge on ineligible withdrawals or transfers from a LISA.

If you have a LISA, currently you receive a 25% bonus from the government each month. With the new FTB ISA, the bonus will be paid as a lump sum at the point of purchase, so savers will not be able to accrue interest on the bonus. The government has yet to announce what percentage of bonus it will pay on the FTB ISA and how much you will be able to save each year.

Savers can still open LISAs until 2028 and continue making contributions after the new product is launched.

Your home may be repossessed if you do not keep up repayments on your mortgage

Sources:
https://www.gov.uk/government/consultations/first-time-buyer-isa-consultation
https://www.moneysavingexpert.com/savings/first-time-buyer-isa/

12/08/2026

Developers and flip investors in Dumfries & Galloway, one agreement, the same terms on every sale.

Commission and marketing costs agreed upfront and held consistent unit after unit, scheme after scheme. No renegotiating each time, no surprises at exit. You can build it straight into your forecast and know what selling each unit will cost before you commit.

Works the same way whether you're selling off-plan or moving finished stock. Every property gets the same standard: professional photography, videography and drone footage, plus listings on Rightmove, Zoopla and OnTheMarket, not just one portal.

I also bring you a network that speaks developer, not just buyer: commercial and residential mortgage brokers, solicitors who move at pace, and property stagers, all people I use and trust on my own instructions.

One point of contact from valuation through to settlement on every unit. No chasing three different people for an update.

If you've got a site coming up or stock sitting longer than it should, message me and let's talk numbers.

Likewise, if you know of someone that would befit from my services, please share this post!

11/08/2026

Thank you to for the invitation to their health and wellbeing seminar.

It was genuinely refreshing to have so many honest conversations about money, the future and the things that people don’t always think about when it comes to their finances.

Financial planning isn’t just about pensions. It’s about looking at the whole picture.

💷 Are your savings working as hard as they could be?
🏡 What happens to your home if you pass away without a Will?
👨‍👩‍👧‍👦 If you inherit money from a family member, what does that mean for you — and could there be tax implications?
🌅 Will your pensions provide the retirement you’re hoping for?
🛡️ And are you and your family financially protected if life doesn’t go to plan?

These are the conversations we love having at Pivotal Financial Planning. Sometimes, a simple conversation can highlight things you hadn’t considered and help you feel more confident about the future.

If your company is planning a health, wellbeing or financial advice day, we’d love to be involved. Get in touch — we’d be delighted to have a chat and see how we can support your team.

A huge thank you to everyone who stopped to chat with Jordan Mushet - Financial Adviser today; we look forward to following up with you so you can feel retirement ready!

Until next time!

11/08/2026

First-time buyer? Dive into homeownership with confidence! Our team specialises in guiding first-timers through the mortgage process. Let's make your first home-buying experience a success!

Your home may be repossessed if you do not keep up repayments on your mortgage and you may have to pay an early repayment charge to your existing lender if you remortgage.

07/08/2026

𝐂𝐨𝐮𝐥𝐝 𝐲𝐨𝐮𝐫 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐜𝐫𝐞𝐚𝐭𝐞 𝐚𝐧 𝐢𝐧𝐡𝐞𝐫𝐢𝐭𝐚𝐧𝐜𝐞 𝐭𝐚𝐱 𝐛𝐢𝐥𝐥 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲?

For many years, pensions have been one of the most tax-efficient assets to pass on. However, from 6 April 2027, most unused pension funds and pension death benefits will form part of your estate for inheritance tax calculations. As a result, thousands more families could face an inheritance tax liability for the first time.

Inheritance tax is generally due by the end of the sixth month following death, yet administering an estate can often take significantly longer. For families with substantial pension wealth, these changes could create both a larger tax liability and additional pressure to access funds quickly.

✅ Current IHT Allowances Remain:
• Nil Rate Band: £325,000
• Residence Nil Rate Band: up to £175,000 per person (where applicable)
• Married couples and civil partners may still be able to pass on up to £1 million tax-efficiently through transferable allowances.

Consider this:

𝐃𝐨 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐚 𝐬𝐢𝐳𝐞𝐚𝐛𝐥𝐞 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐭𝐡𝐚𝐭 𝐲𝐨𝐮 𝐰𝐞𝐫𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐭𝐨 𝐥𝐞𝐚𝐯𝐞 𝐭𝐨 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲?
𝐂𝐨𝐮𝐥𝐝 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞, 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬, 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐚𝐧𝐝 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐜𝐨𝐦𝐛𝐢𝐧𝐞𝐝 𝐞𝐱𝐜𝐞𝐞𝐝 𝐲𝐨𝐮𝐫 𝐚𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞 𝐚𝐥𝐥𝐨𝐰𝐚𝐧𝐜𝐞𝐬?
𝐇𝐚𝐯𝐞 𝐲𝐨𝐮 𝐫𝐞𝐯𝐢𝐞𝐰𝐞𝐝 𝐲𝐨𝐮𝐫 𝐞𝐬𝐭𝐚𝐭𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐬𝐢𝐧𝐜𝐞 𝐭𝐡𝐞 𝐆𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐚𝐧𝐧𝐨𝐮𝐧𝐜𝐞𝐝 𝐭𝐡𝐞 𝐜𝐡𝐚𝐧𝐠𝐞𝐬?

Planning ahead gives you more options and greater flexibility.
If your house, pensions, investments and savings total exceed £500,000, it’s worth exploring your options with a free initial consultation.

If you'd like to understand how the 2027 changes could affect your family, we're here to help.

Approver Quilter Financial Services Ltd August 2026

07/08/2026