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Invest Southwest Independent Financial Advisers

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Invest Southwest Independent Financial Advisers

We build relationships to understand you and your financial needs so we can provide you with expert Advice….For Life. Why choose Invest Southwest?

Invest Southwest, Independent Financial Advisers was founded in 2007 and is regulated by the Financial Conduct Authority (FCA 469547). Our highly experienced Financial Advisers are located throughout the Southwest region and are fully qualified to give financial advice. Each adviser subscribes to the FCA code of conduct and have Statements of Professional Standing as evidence they meet standards s

et by the Regulator. Our advisers are supported by staff based at our Head office in Taunton and also at our Weston-super-Mare office. All our dedicated staff, work to ensure the process of advising you on your financial matters, runs smoothly from start to finish. We offer the best solutions from the entire market to suit your financial needs, be they personal, family or business. The key thing is to build a relationship to understand and help you achieve your financial goals. Which is why a dedicated adviser is assigned to provide you Advice…For Life. Since 2007, Invest Southwest has been focused on helping you understand and plan for your financial future, both now and longer term. By providing you an Independent Financial Advice service, we are able to consider a wide range of financial strategies and products. We continually review the whole market, to ensure our advice best meets your needs and objectives. If this approach identifies that the best advice is to do nothing, that is what we will recommend.

16/06/2026

UK Protection Policies Just 42% of Consumers Have Cover...

Do you have protection in place for your family’s future?

FCA research (2025/26) of over 14,000 UK consumers shows just 42% have cover such as life insurance, income protection or critical illness.

Many without cover cite affordability, lack of need, or low confidence in choosing a policy, with almost half never considering it at all.

If you’re unsure about your protection needs, seeking guidance can help you understand what level of cover may be suitable for you.

Speak to one of our FCA-regulated financial advisers to review your cover and protection needs.

https://www.investsouthwest.co.uk/content/large/documents/money_%26_wealth_news/2026/260414_money_%26_wealth_magazine_spring_2026.pdf

11/06/2026

Understanding Salary Sacrifice for UK Pension Savings and Tax Efficiency...

Salary sacrifice is a tax-efficient way to boost pension savings by exchanging part of your salary for increased pension contributions, reducing Income Tax and National Insurance.

From April 2029, National Insurance benefits on salary sacrifice will be limited to the first £2,000 of salary sacrifice contributions per year, making current rules more favourable in comparison.

This may be a good time to review your pension strategy and consider whether to increase contributions.

https://www.investsouthwest.co.uk/content/large/documents/money_%26_wealth_news/2026/260414_money_%26_wealth_magazine_spring_2026.pdf

08/06/2026

Buy-to-Let Lending surges 22.7% as Investors Target High-Yield UK Property Hotspots...

Buy-to-Let (BTL) lending continues to grow, with UK lending rising 22.7% year-on-year to £10.9bn in Q3 2025, according to UK Finance’s 2026 data.

Growth is increasingly driven outside London, with cities such as Manchester, Leeds, Birmingham and Sheffield emerging as key BTL hotspots. Strong demand from students and young professionals is helping support average UK rental yields of 7.15%.

Wales and the North East continue to report some of the highest yields, as investors look beyond the capital for value.

Rental yields can fluctuate and are not guaranteed. Property values may fall as well as rise.

https://www.investsouthwest.co.uk/content/large/documents/home_finance_news/2026/260414_Your_Home_Finance_Spring_2026.pdf

04/06/2026

2026/27 UK Tax Year Planning: Maximising ISA, Pension and Tax Relief Opportunities...

With the 2026/27 tax year now underway, it’s a good time to review your financial planning and make the most of available tax allowances and reliefs. Acting early may help improve tax-efficiency and support your longer-term financial goals.

From using your £20,000 ISA allowance and increasing pension savings through salary sacrifice, to reviewing CGT and Inheritance Tax (IHT) planning, a few proactive steps now could make a difference to your future wealth.

With National Insurance benefits on salary sacrifice set to change from 2029, now may be a good time to review your pension strategy and retirement planning.

https://www.investsouthwest.co.uk/content/large/documents/money_%26_wealth_news/2026/260414_money_%26_wealth_magazine_spring_2026.pdf

01/06/2026

Affordability and Negotiation Shape the UK Housing Market in 2026...

Affordability remains a key focus in the UK housing market in 2026, with buyers taking a more considered approach and sellers becoming increasingly open to negotiation. Prepared buyers who understand their budget and have a mortgage agreement in principle in place may be better positioned to move quickly when the right property becomes available.

For sellers, flexibility and realistic expectations continue to play an important role in securing reliable buyers and smoother transactions.

In a changing market, preparation, clarity and timing can make all the difference.

https://www.investsouthwest.co.uk/content/large/documents/home_finance_news/2026/260414_Your_Home_Finance_Spring_2026.pdf

28/05/2026

UK First-Time Buyer Mortgage Deposits Show Growing Affordability Gap...

According to Moneyfacts 2025/26, nearly one in five first-time buyers are now searching for mortgages below 60% loan-to-value (LTV), suggesting some are able to put down deposits of around 40%.

However, the majority continue to rely on higher LTV borrowing, with 31% opting for 90% LTV mortgages and 10% taking 95% LTV deals.

The data highlights increasing financial pressures and a widening UK housing affordability gap among first-time buyers.

If you’re exploring your first home purchase or would like to understand your mortgage options, speak to one of our qualified advisers today.

https://www.investsouthwest.co.uk/content/large/documents/home_finance_news/2026/260414_Your_Home_Finance_Spring_2026.pdf

26/05/2026

Sabbaticals on the Rise in the UK, Led by Gen X...

Sabbatical demand is rising in the UK, particularly among Gen X (born 1965-1980), as workers seek improved health and wellbeing, according to Aegon (2025).

Twice as many workers would like to take a sabbatical as have actually done so, highlighting a clear gap between intention and reality.

Health and wellbeing are the top motivators for taking a career break, but affordability (45%) and lack of employer support (22%) remain key barriers.

Gen X shows the strongest interest, with four times as many wanting time out compared to those who have taken one.

https://www.investsouthwest.co.uk/content/large/documents/money_%26_wealth_news/2026/260414_money_%26_wealth_magazine_spring_2026.pdf

21/05/2026

Investor Confidence in Volatile Markets: Behaviour, Biases and Advice...

Investor confidence is influenced by more than market performance alone. Knowledge, experience, emotions and behavioural biases all shape decision-making, from being overly cautious to reacting to short-term market movements or being influenced by wider market sentiment.

Investment decisions involve risk and outcomes are not guaranteed.

Professional financial advice may help investors when making financial decisions, particularly during periods of market volatility and uncertainty. Many investors continue to value the human connection that face-to-face advice can provide, especially when navigating complex or changing financial conditions.

As economic uncertainty, technological change and regulatory developments continue to evolve, advisers continue to play a role in supporting clients as they make financial decisions.

https://www.investsouthwest.co.uk/content/large/documents/money_%26_wealth_news/2026/260414_money_%26_wealth_magazine_spring_2026.pdf

18/05/2026

UK Dividend Tax Changes 2026 Explained...

From April 2026, Dividend Tax rates increased following the latest Budget. The ordinary rate rose from 8.75% to 10.75% and the upper rate from 33.75% to 35.75%, while the additional rate remains unchanged at 39.35%.

You still benefit from a £500 Dividend Allowance per tax year, plus the £12,570 Personal Allowance. Dividends in ISAs, SIPPs or registered pension schemes remain tax-free, but income taken outside these wrappers above the allowance is subject to Income Tax at the relevant rate.

While most taxpayers are unaffected, company directors and investors who take regular dividends may see higher tax bills over time. Understanding how these changes affect your income strategy is useful.

https://www.investsouthwest.co.uk/content/large/documents/money_%26_wealth_news/2026/260414_money_%26_wealth_magazine_spring_2026.pdf

14/05/2026

UK Lifetime ISA Changes: What First-Time Buyers Need to Know...

The government has confirmed plans to replace the Lifetime ISA with a new savings product focused solely on helping people buy their first home. The 25% government bonus would no longer be linked to retirement savings and would instead be paid when purchasing a property.

These changes could reshape how people save for a property deposit in the years ahead.

ISA rules and government incentives are subject to change and may vary depending on individual circumstances.

https://www.investsouthwest.co.uk/content/large/documents/home_finance_news/2026/260414_Your_Home_Finance_Spring_2026.pdf

Address

12 Hammet Street
Taunton
TA11RZ

Opening Hours

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

Telephone

+441823353970

Website

http://www.investsouthwest.co.uk/

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