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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.

02/11/2026

Do you have to claim your State Pension the day you reach State Pension age? 🤔

No, because you can choose to delay it, which is known as deferring. 👀

For the new State Pension, your weekly amount increases by 1% for every 9 weeks you defer. 📈

This works out at just under 5.8% for a full year, and the increase is paid for as long as you receive the pension. 🙌

So, on the full 2026/27 rate of £241.30 a week, a year of deferral would add roughly £14 a week. 💷

However, you don't receive any State Pension while you're deferring, so it's a trade between income now and a higher income later. 👋

It can suit people who are still working or have other income, but it won't be right for everyone. 👀

It all depends on your circumstances, health and other income, which is why it's worth looking at as part of your wider plan. 💡

If you're approaching State Pension age and want to talk it through, get in touch. 👇

📞 020 8366 4400 | ✉️ [email protected]

Pension and tax rules can change, and outcomes depend on individual circumstances.

31/10/2026

It's that time of year again! 🎃

The one night where knocking on strangers' doors demanding sweets is completely acceptable...

And there are lots of little ghosts running around your neighbourhood.

Whatever you're up to this Halloween, whether it's carving pumpkins, feeding tiny superheroes chocolate, or hiding behind the sofa during a horror film, we hope it's more treat than trick. 👻

Happy Halloween from all of us at Cedar House! 🦇

29/10/2026

Thinking of applying for a mortgage, a loan, or even a new phone contract? 📱

Check your credit report first. ✋

It's the record lenders use to judge how you manage money, and it can contain mistakes you didn't know about. 👀

Examples include an old address, an account that isn't yours anymore, or an old payment that was paid on time. 😬

Errors like these can affect your application, and putting them right takes time. ⏳

But don't worry, because you can request your report from the main credit reference agencies, be it Experian, Equifax, or TransUnion, and free options are available. 💷

The best time to look is a few months before you plan to apply, so you've got time to correct anything. 🗓️

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

27/10/2026

Gilts are paying their highest yields in almost two decades. Here's why. ⬇️

The 10-year gilt yield rose above 5.4% in early October, its highest since 2008. 📈

That's got a lot of investors asking whether it's time to look at government bonds again. 🤔

However, a high yield doesn't mean gilts suit everyone, and they come with their own risks. 👀

In our latest article, we explain what gilts can offer, what to weigh up, and the question we'd ask before making any move. 🤝

👉 Read the full article here: https://www.cedarhousefinancial.co.uk/gilts-are-paying-their-highest-yields-in-almost-two-decades-should-you-look-again/

Capital is at risk. The value of investments can fall as well as rise, and you may get back less than you invested. Tax rules can change and depend on individual circumstances.

22/10/2026

Auto-enrolment isn't a one-off job for employers. 📋

It's easy to assume that once your scheme is set up and your team is enrolled, you're done. ☑️

However, you're required to check your staff's eligibility every payday. 👋

Because someone's status can change without anyone noticing. 👀

Be it a new starter, a 22nd birthday, a pay rise, overtime, or a bonus that takes someone over the earnings trigger of £833 a month. 💷

Any of these can mean an employee needs enrolling, and missing it can lead to compliance action from The Pensions Regulator. 😬

That's why having clear payroll process is crucial, because it makes this much easier to stay on top of. ✅

If you'd like a hand reviewing your auto-enrolment set-up, get in touch. 👇

📞 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.

20/10/2026

Homes for sale are at a 12-year high, so why are mortgage rates climbing? 🏠

If you're thinking of buying or moving this autumn, September's property news probably sent mixed signals.

Rightmove reports the most homes on the market for this time of year in 12 years. 📈

But several large lenders raised their mortgage rates in the same month. 💷

This means more choice for buyers, but borrowing that costs more. 👀

It's a bit of a mess, and while you can't control the rate market, two things are within your reach. 🔑

In our latest article, we look at what's happening and where we'd focus if you're buying this autumn. 🤝

👉 Read the full article here: https://www.cedarhousefinancial.co.uk/homes-for-sale-hit-a-12-year-high-so-why-are-mortgage-rates-climbing/

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

19/10/2026

As you've probably heard (or seen on Andy Burnham's Instagram), there's new help for first-time buyers. 🏠

The Prime Minister has announced "Your First Home", a Help to Buy-style scheme for first-time buyers in England. 🏴󠁧󠁢󠁥󠁮󠁧󠁿

Under it, buyers of new-build homes could get on the ladder with a 2.5% deposit. 💷

The government would also provide an equity loan worth 20% of the property's value, with an initial interest-free period. 👀

The rest would typically come from a mortgage.
However, the scheme isn't open for applications yet, and plenty of detail is still to come. 🔮

It also covers new-builds only, so it won't suit every buyer's search.

Whatever happens next, getting your own finances ready is never wasted effort. 🔑

So, if you're thinking about buying and want to talk through your options, get in touch. 👇

📞 020 8366 4400 | ✉️ [email protected]

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

15/10/2026

Most people picture life insurance as a single lump sum. 💷

But there's another type worth knowing about: family income benefit. 👨‍👩‍👧

Instead of one large payout, it pays your family a regular, tax-free income for a set period if you pass away during the policy term.

For many families, this is actually much closer to what they'd really need. 🙌

Because replacing a salary month by month can be easier to manage than a big lump sum.

It also maps neatly onto the years the children are still at home or the mortgage is still being paid. 🏡

On top of this, it's often more affordable than a large lump-sum policy, because the total payout reduces as time goes on. 🤔

It won't be right for everyone, but it's a useful option many people simply haven't heard of.

If you'd like to review what kind of cover fits your family, get in touch. 👇

📞 020 8366 4400 | ✉️ [email protected]

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

13/10/2026

The rules around workplace pensions are changing, and it's worth getting ahead of them sooner than later. 👋

The Pension Schemes Act 2026 became law in April, and while most changes roll out gradually towards 2030, they'll reshape how pensions are run and turned into income. 💷

Bigger "megafunds", automatic tidying-up of tiny lost pots, and a new focus on value rather than just low charges are all on the way. 👀

None of it means you need to act today, but it's a reminder to finally find out what you're actually holding. 💡

In our latest article, we break down what's changing and what it means for your retirement pot. 🤝

👉 Read the full article here: https://www.cedarhousefinancial.co.uk/the-new-pension-rules-that-could-reshape-your-retirement-pot/

This article is for general information only and does not constitute financial advice. Pension and tax rules can change, and outcomes depend on individual circumstances. The value of investments can fall as well as rise.

08/10/2026

Money's tight, and cutting your pension contributions looks like an easy win. 💷

However, before you opt out of your workplace pension, you should know what you'd be giving up. 😬

Because it's not just your own contribution that stops.

You'd also lose your employer's contribution, which is money they add on top of your salary, and the tax relief the government adds too. 👀

And for every £1 you'd save by opting out, you're often turning down significantly more going into your future.

There may be moments when pausing genuinely makes sense, but it should be a last resort, not a first one.

Because there are often better ways to ease the pressure without walking away from free money. 🤔

If money's tight and you're tempted to opt out, contact us first, it's worth a quick conversation with an expert. 👇

📞 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.

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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