Barnsdale Financial Management

04/11/2026

Are you happy giving £25,000 of your money to your child's ex-partner?

Probably not.

But if you gift money to help your child buy a property with their partner, that could be exactly what happens if the relationship later breaks down.

Many parents are keen to help their children get onto the property ladder, but few stop to consider what might happen to their contribution in the event of a future separation.

That's why it's important to have these conversations before any money changes hands.

Depending on your circumstances, solutions may include:

✅ A Deed of Trust setting out ownership shares
✅ Structuring the contribution as a loan rather than a gift
✅ Arrangements to ensure the money is repaid if the property is sold in the future

The key is to seek advice early, understand your options, and put the right arrangements in place from the outset.

If you're thinking about helping a child buy a property, we'd be happy to discuss your circumstances

0116 332 6787 or email us at [email protected]

Solicitors and Trusts are not regulated by the Financial Conduct Authority.

Barnsdale Financial Management Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 19/10/2026

03/11/2026

31/10/2026

Budget 2026: what it means On 28 October 2026, Chancellor of the Exchequer John Healey delivered the UK Autumn Budget.

The UK’s public finances have remained under pressure during 2026, with national debt approaching £3tn and government borrowing costs rising. Public spending remains above pre-pandemic levels, while the overall tax burden is forecast to reach a historic high over the coming years.

The wider economy has been relatively resilient, with the UK recording some of the fastest growth in the G7 in the first half of the year. However, higher energy prices have added to inflationary pressures, complicating efforts to control borrowing and debt-servicing costs.

Against that backdrop, the Government entered the 2026 Budget facing competing demands to maintain public services, support households and keep the public finances within its fiscal rules.

Read more about the winners and losers from this budget in our latest blog:

https://barnsdalefinancialmanagement.co.uk/blogs-1

30/10/2026

Traditional buy-to-let investing isn't as straightforward as it once was.

Changes to taxation, higher costs and increasing landlord responsibilities have led many property investors to rethink their approach.

As a result, more and more investors are exploring alternative strategies, including:

🏠 Renovating uninhabitable properties
🏠 Converting larger properties into multiple units
🏠 Adding value through refurbishment or redevelopment

The challenge is that these projects often require more specialist finance than a standard buy-to-let mortgage can provide.

Whether you're planning a refurbishment, conversion, bridge-to-let project, or something more ambitious, there are funding options available that can help turn your plans into reality.

They can be more complex to arrange and may involve higher costs, but for the right project the potential returns can make them well worth considering.

If you're exploring a project, or already have one in mind, we'd be happy to discuss your options.

0116 332 6787 or email [email protected]

Barnsdale Financial Management Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 19/10/2026

28/10/2026

The Autumn Budget has introduced a number of changes that could have an impact on your finances, investments or future plans.

Understanding what these announcements mean for your personal circumstances isn't always straightforward, but you don't have to navigate them alone.

Get in touch with us today to discuss how these changes could affect you and the steps you may want to consider.



Approved by The Openwork Partnership on 28.10.2026

Barnsdale Financial Management Ltd is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

22/10/2026

If you're a landlord thinking about selling, or a tenant hoping to buy the home you currently rent, a discounted tenant purchase could be worth exploring.

A discounted tenant purchase is where a landlord sells their property to the existing tenant for less than the property's open market value.

Why would a landlord do that?

✅ No estate agent fees
✅ No viewings or marketing costs
✅ A smoother, potentially quicker transaction

For tenants, there can be significant benefits too.

With some lenders, the discount given by the landlord may be accepted as part or all of the deposit. This can reduce the amount of savings needed and, in some cases, help tenants buy a home sooner than they thought possible.

It's one of those rare situations where both parties can benefit.

If you're considering selling to your tenant, or you've been offered the opportunity to buy the property you're currently renting, we'd be happy to discuss your options.

0116 332 6787
[email protected]

Barnsdale Financial Management Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 15/10/2026

21/10/2026

Your First Home: a new government-backed house buying scheme

The Government has announced the launch of Your First Home, a brand-new equity loan scheme designed to help first-time buyers get on the property ladder with just a 2.5% deposit.

The new scheme, which will be officially launched at the upcoming Budget, aims to break down the deposit barriers faced by some potential buyers when trying to buy their first home. It marks the return of a government-backed equity loan scheme in England, something which hasn’t been available since the closure of Help to Buy.

While all the details are yet to revealed, our latest blog looks at what we know so far:

https://barnsdalefinancialmanagement.co.uk/blogs-1/f/your-first-home-a-new-government-backed-house-buying-scheme

20/10/2026

Average mortgage rates hit 6% - but is that the whole story?

Mortgages have been back in the headlines recently with news that average fixed rates have climbed above 6%. This will have understandably caught the attention of those looking to buy a house or refinance an existing property.

In the current climate, the prospect of taking on a mortgage at a rate beginning with a six can be concerning.

However, while headline rates provide a useful snapshot of the wider mortgage market, they don’t tell the whole story when it comes to an individual’s mortgage options.

Read more in our latest blog: https://barnsdalefinancialmanagement.co.uk/blogs-1/f/average-mortgage-rates-hit-6%25---but-is-that-whole-story