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Cedar House Financial Services

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Cedar House Financial Services

Cedar House Financial Services have more than 25 years’ experience of helping clients to plan and achieve their personal and business goals.

08/09/2026

Your savings account might be quietly creating a tax bill. 💷

For years, low interest rates meant most people never paid tax on their savings. 📈

But with rates on the increase recently, more people are crossing a threshold they didn't know existed. 😮‍💨

The Personal Savings Allowance lets basic-rate taxpayers earn £1,000 in interest tax-free.

For higher-rate taxpayers, that drops to £500, but for additional-rate taxpayers, there's no allowance at all. 👀

And if you've got a decent chunk in easy-access savings earning 4% or 5%, you might be closer to that limit than you think.

Worst of all, once you're over it, the interest above the allowance is taxed at your normal rate, which quietly eats into your returns. 🍽️

This is one reason ISAs are important, because the interest inside them stays completely tax-free no matter how much you earn.

All in all, if your savings have grown and you're not sure where you stand, it's worth a check.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

07/09/2026

When people hear "salary sacrifice", they think pensions. 💼

But it can cover far more than that, and many employers don't make the most of it. 💷

For those who don't know, salary sacrifice lets employees give up part of their gross salary in exchange for a benefit. 👀

Beyond pensions, it can be used for things like electric car schemes, cycle-to-work, and additional holidays, in some cases. 🚲

For employees, it means benefits paid for before tax, stretching their money further. 🙌

For employers, it can reduce National Insurance contributions while offering a more attractive package, without a straight salary increase. 💡

It's one of the more underused tools in the benefits world, and when set up properly, both sides win. 🤝

If you're an employer wondering whether your benefits package is working as hard as it could, get in touch. 👇

📞 020 8366 4400 | ✉️ [email protected]

04/09/2026

You've had the same pension for 15-20 years. 📈

It's still growing, statements arrive, and you've never had to think about it. 😌

Job done, right? 👀

Not necessarily. 😬

In July 2026, the FCA published a review of certain older pension and savings products.

It found customers in some older or closed products were more likely to receive poorer value than those in newer ones.

Now, this doesn't mean your pension is automatically bad.

But it does mean it's worth asking whether it's still working as hard as it should be. 🙋‍♂️

In our latest article, we look at charges, performance, and the valuable guarantees you could lose if you rush a decision. 🤝

👉 Read the full article here: https://www.cedarhousefinancial.co.uk/is-your-old-pension-still-good-value-what-the-fcas-2026-review-means-for-savers/

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

03/09/2026

Moving house doesn't always mean losing your mortgage deal. 🏠

Many people assume that when they move, they have to start a fresh mortgage from scratch.

But a lot of mortgages are "portable", which means you can take your existing deal with you to the new property. 💷

So, if you're locked into a good rate already, porting could save you from moving onto something more expensive.

It can also help you avoid repayment charges for leaving your current deal early. 👀

It's not automatic, though.

You still have to reapply and meet the lender's criteria on the new property, and if you're borrowing more, the extra usually comes at current rates. 📈

Porting can be complicated, especially with timing between selling and buying, so it's worth understanding your options before you commit to a move. 🏡

Get in touch before you start house-hunting. 👇

📞 020 8366 4400 | ✉️ [email protected]

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

01/09/2026

One of the biggest retirement decisions often gets made in a rush. 💨

It's the showdown between how you draw your pension: annuity or drawdown. 💷

An annuity gives you a guaranteed income for life, which is predictable and secure, but it's usually fixed once it's set up. 🤔

Drawdown keeps your money invested and lets you take income flexibly, but it comes with more risk and no guarantee it lasts. 👀

The thing is, neither is automatically the best option.
The right choice depends on your attitude to risk, your health, and your other income. 🔎

Some people even split the difference, using an annuity to cover essential costs and drawdown for everything else. 🙌

The mistake is treating it as a quick tick-box decision rather than one of the most important choices of your retirement. ✅

If you're approaching this stage, get in touch to explore your options. 👇

📞 020 8366 4400 | ✉️ [email protected]

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

27/08/2026

Making Tax Digital is here, but what does quarterly reporting actually mean? 📱

If you're a landlord or self-employed, things have changed in a big way. 💷

Why? Because from 6 April 2026, MTD for Income Tax applies to people registered for Self Assessment whose combined gross income from self-employment and property was more than £50,000 in 2024/25. 📊

This has created a huge misconception that you'll now pay tax every three months.

But that's not the case.

You just have a lot more admin on your hands to stay compliant.

In our latest article, we explain what actually changes, why it could be good news, and how to prepare. 🤝

👉 Read the full article here: https://www.cedarhousefinancial.co.uk/making-tax-digital-is-here-what-quarterly-reporting-means-for-landlords-and-sole-traders/

26/08/2026

Here's something most people with life insurance don't know. 👀

If your policy isn't written in trust, the payout could be delayed for months and might be taxed as part of your estate. 😬

Money held in trust, however, passes directly to your chosen people, without waiting for probate. 🙌

This means your family gets financial support when they need it most, not months later after the paperwork clears. 📑

It can also keep the payout outside your estate for inheritance tax purposes, which for larger estates, could save a significant sum. 😮‍💨

If you've got life cover but never set up a trust, it's worth checking, because this is one of the simplest wins in financial planning. 😌

It's also usually free and takes minutes to set up. 🤝

But the difference it makes when a claim happens is enormous.

As with all insurance policies, conditions and exclusions will apply.

25/08/2026

You've inherited a lump sum and you're wondering how to invest it. 💷

The instinct is to wait for the "right moment", when markets look calmer or prices dip. 📉

But that moment rarely announces itself, and waiting could mean your money sits in cash losing value to inflation. 👀

There are two sensible options on the table, for most people.

Invest it all at once, which historically tends to perform well over the long term because your money is in the market sooner. 🫡

Or drip-feed it in over several months, which smooths out the timing and can feel more comfortable if markets are jumpy. 😳

There's no perfect answer, but there is a more suitable one for your situation and how you feel about risk.

If you've got money waiting to be put to work, it's worth having a plan rather than leaving it to sit by default. 🙌

Get in touch to discuss your options. 👇

📞 020 8366 4400 | ✉️ [email protected]

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

20/08/2026

House envy is real, and it's affecting first-time buyers everywhere. 📸

In fact, three-quarters admit they compare their first home to dream homes they see online.

But that's not your story.

And that's perfectly fine. 👀

Because your first home doesn't need to tick every box.

And most people's first home is a stepping stone to something better in the future.

It's all about taking the plunge in the first place, which gives you flexibility for what comes next.

So, focus on what suits your life and your finances, not what impresses other people.

In our latest article, we look at why house envy is normal but shouldn't drive your decisions.

👉 Read the full article here: https://www.cedarhousefinancial.co.uk/dont-let-house-envy-derail-your-home-buying-plans/

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

18/08/2026

Rising mortgage costs aren’t over yet. 👀

The latest figures suggest around one million more UK homeowners could face higher repayments by 2028 than expected.

For many borrowers, the increase may be manageable.
But those coming off ultra-low fixed rates could still see a big jump in monthly costs.

So, our advice is to not wait until your deal ends to review your options.

Planning ahead creates far more flexibility than reacting at the last minute.

If your fixed rate is due to expire in the next couple of years, now is a sensible time to start the conversation.

📞 020 8366 4400 | ✉️ [email protected]

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

Address

London
N144XA

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5pm

Website

http://www.cedarhousefinancial.co.uk/

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