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ACJ Financial Planning

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ACJ Financial Planning

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Chartered Financial Planners based in Warwickshire

08/10/2026

New on the blog: offset mortgages. Linking your savings to your mortgage can cut the interest you pay, but the deals carry a premium and they do not suit everyone.

• How offsetting works, and why the maths has become more interesting again
• Why higher rate taxpayers and the self-employed often look at it first
• The trade-offs, from a higher headline rate to a narrower choice of lenders
• Reducing the payment, shortening the term, or simply overpaying instead
If you hold savings alongside a mortgage, it is worth understanding whether an offset deal would stack up for you.

Read below to find out more.

How offset mortgages work, who they suit, and what they cost. We look at the tax angle, the rate premium and how offsetting compares with overpaying.

01/10/2026

New on the blog: tax on savings interest. With rates higher than they have been for years, far more people are using up their Personal Savings Allowance without realising it.

• The Personal Savings Allowance, and how little it now takes to use it up
• The starting rate for savings, a second allowance many people never hear about
• Why the same savings can be taxed differently depending on who holds them
• Where ISAs help, where they do not, and what changes in April 2027

A few minutes checking where your savings sit can be time well spent, particularly if your circumstances have changed.

Read below to find out more.

How much savings interest can you earn tax free? We explain the Personal Savings Allowance, the starting rate for savings, and where ISAs do and do not help.

25/09/2026

New on the blog: the Lifetime ISA is being replaced by a new First Time Buyer ISA. Here is what is confirmed, what is not, and what it means if you are saving for a first home.

• How the Lifetime ISA works today, including the 25% bonus and the £450,000 property cap
• The withdrawal charge, and why it can leave you with less than you paid in
• What the new First Time Buyer ISA changes, and which numbers are still undecided
• Why your timescale for buying matters more than the headlines
If you are saving for a first home and wondering whether to keep paying in, it is worth understanding where you stand before the rules change.

Read below to find out more.

The Lifetime ISA is being replaced by a First Time Buyer ISA. We explain the current LISA rules, the 25% withdrawal charge and what is still to be decided.

21/09/2026

New on the ACJ blog: the Budget lands on 28 October, and the weeks before it are when rushed decisions get made. We look at how to tell a real reason to act from a headline.

• The changes that are already legislated and dated, including the 2027 ISA and pension tax reforms

• Why the useful test is whether a decision stands up if nothing changes at all

• Which moves can be undone afterwards, and which cannot

• Why most Budget measures arrive with a start date rather than overnight

If pre-Budget speculation has you considering something you cannot reverse, please talk to someone first. We are glad to help.

Read below to find out more.

The Budget is on 28 October 2026. We look at what is already legislated, why irreversible pre-Budget decisions are risky, and how to tell a real reason to act.

18/09/2026

New on the ACJ blog: equity release can unlock money tied up in your home without moving, but it is expensive and hard to undo. We look at how lifetime mortgages work and what to ask first.
• How a lifetime mortgage works, and why rolled-up interest is the whole story of the cost
• The no negative equity guarantee, what it protects and what it does not
• Drawdown, voluntary repayments and interest-serviced plans, and their trade-offs
• Why the effect on your estate, your benefits and your family belongs in the conversation
If you or a family member are considering releasing money from a home, we are happy to help you look at it properly, alternatives included.
Read below to find out more.

Thinking about equity release? We explain how lifetime mortgages work, the no negative equity guarantee, rolled-up interest and the questions to ask before you commit.

08/09/2026

New on the ACJ blog: tax thresholds are frozen until April 2031, so a pay rise can quietly leave you with less than you expected. We explain fiscal drag and what can reasonably be done about it.

• Why crossing the higher rate threshold is less painful than most people fear
• How frozen income tax and National Insurance thresholds compound year after year
• The awkward stretch above £100,000 where the personal allowance is withdrawn
• Where pensions and ISAs can help, and what you give up in return

If a pay rise or bonus has taken you into new territory, we are always happy to help you work out where you stand.

Read below to find out more.

Tax thresholds are frozen until April 2031, so pay rises quietly push more income into higher bands. We explain fiscal drag, the £100,000 trap and what can help.

03/09/2026

New on the ACJ blog: income protection and critical illness cover are routinely confused, but they solve different problems. We look at what each one does and where each can fall short.

• What statutory and company sick pay would actually give you, and for how long

• How a monthly income benefit differs from a lump sum on diagnosis

• Deferred periods, occupation definitions and why policy wording decides the outcome

• The shared realities of underwriting, reviewable premiums and rising costs with age

If you are unsure what your existing cover would pay, and when, we are always glad to help you check.

Read below to find out more.

Income protection or critical illness cover? We explain how each works, what statutory sick pay gives you first, and where each type of policy can fall short.

20/08/2026

New on the ACJ blog: from April 2027 the cash ISA allowance falls to £12,000 for under-65s, while the overall ISA allowance stays at £20,000. We look at what is changing and what it asks of savers.

• The new £12,000 cash ISA limit, and why those aged 65 and over are not affected

• The rules on cash held inside a stocks and shares ISA, and the ban on transfers into cash ISAs

• Why the change does not oblige anyone to start investing

• The honest trade-off between market risk and cash losing ground to inflation

If your savings have sat in cash out of habit rather than need, there is time to think it through before April 2027. We are happy to help.

Read below to find out more.

From April 2027 the cash ISA allowance falls to £12,000 for under-65s. We explain the new limits, the 22% charge on cash in non-cash ISAs and what it means for savers.

16/08/2026

New on the ACJ blog: your fixed rate is ending, the Bank of England has held Bank Rate at 3.75 per cent, and waiting for a cut is a bet rather than a plan. We look at how to approach the decision.

• What happens if a fixed rate simply expires and you end up on the lender's standard variable rate
• Why lenders and MoneyHelper both point to a six month window, and how to use it
• Fixed versus tracker, and the certainty you gain or give up either way
• The charges, fees and loan to value details that decide whether a switch is worthwhile

If your deal ends within the next year, there is time to look at this properly rather than under pressure. We are always happy to help you weigh it up.

Read below to find out more.

Your fixed rate is ending and Bank Rate is holding at 3.75%. We look at standard variable rates, the six month remortgage window, and fixed versus tracker deals.

12/08/2026

New on the blog this week: private medical insurance, what it covers, what it costs, and the gaps in cover that catch people out.

• Why long NHS waiting lists are driving more people to consider PMI

• How basic and comprehensive policies differ, and the levers that change the premium

• What PMI will not cover, from chronic conditions to A&E

• The questions to answer before you compare a single quote

The right protection starts with knowing what problem you are solving. We can help you work that out.

Read below to find out more.

Private medical insurance explained: what PMI covers, how policies and premiums vary, and the exclusions to understand before you buy, from ACJ Financial Planning.

Address

26 Dodgson Close
Rugby
CV227ZQ

Opening Hours

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

Telephone

+441788648108

Website

http://www.acjfinancialplanning.co.uk/

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