Andrew Varley Financial Planning

07/07/2026

At a glance

- A flat rate 22% charge will apply on the interest on cash held in investment ISAs.
- Money market funds held in an ISA won’t be classified as cash, and won’t be liable to the 22% charge, provided they don’t make up 100% of the ISA.
- A simpler first-time buyer ISA will be launched to replace the lifetime ISA. It will pay a government bonus, but there will be no exit penalties.

The government has announced a 22% charge on the interest on cash savings held within non-cash ISAs, including stocks and shares ISAs and innovative finance ISAs, from April 2027.

ISA providers and investors have been calling for government to give clarity on the treatment of cash holdings in non-cash ISAs. It follows the announcement in the Budget in November last year of a reduction in the annual tax-free cash ISA allowance for the under-65s from next April.

Check out the full article via our linktree in the bio.

25/06/2026

24/06/2026

On July 8th, Varley Financial will be hosting a free webinar to talk about tackling the gender gap - women, wealth and financial planning.

Despite progress in recent years, women are still significantly less likely to invest than men (1), less engaged in long term planning (1) & ultimately retire with less than men (2).

That’s a gap we need to close and it starts with having the right conversations. We started the discussion with Beth D**e, captain at Dragons Netball Franchise and a player & person we’re proud to sponsor

Sources
(1) UBS Own Your Worth (2025); BlackRock, Engaging women investors (2025).
(1) UBS Own Your Worth (2025); Boston Consulting Group, Women in Wealth (2020).
(1) National Association of Insurance and Financial Advisors (NAIFA); corroborated by Vanguard research and Kathleen Rehl’s Widows’ Voices
study published in the Journal of Financial Service Professionals.
(2) ONS Gender Pay Gap (2025) and ONS / Prospect data on the gender pension gap.
📅 Taking Control: Tackling the Gender Investment Gap
🗓 Wednesday 8th July, 6 - 7pm
💻 Book your ticket & online access details ~ free to attend
🔗 Register now via https://lnkd.in/e7BTQ6Tn or through our bio

Varley Financial is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

19/05/2026

Most long-term investment options for children and grandchildren, such as junior ISAs, personal pensions and accounts held in trust, are subject to specific access rules.

Savings accounts may be more suitable, particularly if money is likely to be needed in the short term.

Parents and grandparents should consider making full use of a child’s available allowances where appropriate, while keeping their own estate planning goals in mind.

click through our linktree to our insights section on the website for the full article

12/05/2026

The Renters’ Rights Act brings in fundamental changes for private landlords in England. No fault evictions (section 21 evictions) are banned. Rent can only be increased once a year and with two months’ written notice. Landlords can only request a maximum of one month’s rent in advance of a tenancy starting.
Landlords, and agents, must send a copy of the government’s information sheet to all named tenants by 31 May 2026 or risk a £7,000 fine.

Check out the full article via our linktree

30/04/2026

- Shareholders rarely want to exit their business and retire on the same timeline, with age differences and other factors playing a role in this.

- Clarity on a financial freedom figure and an honest conversation on preferred timelines can help to resolve differences.

- There are a range of solutions for shareholders to each get the outcome they want and need.

Click through our linktree to the full 4 minute read article in our INSIGHTS section

23/04/2026

New tax year: a round-up of rate and allowance changes

Dividend income tax rates have increased by 2% at the basic and higher rates.

There is a reduction in business asset disposal relief (BADR) from 6 April, meaning businesses will now pay a higher rate of CGT when selling qualifying assets.

The ‘Making Tax Digital’ (MTD) regime has started. This brings in new requirements for self-assessment taxpayers, and some property investors, to file tax information quarterly.

The new tax year (2026/27) began on 6 April. Updated tax rates and allowances have been well-trailed by the government so there shouldn’t be any nasty surprises for taxpayers. That said, it pays to take note of how the adjustments, including new requirements for filing tax information, will affect your finances this year.

Click through our linktree in bio to read the full summary of key tax changes for the 2026/27 tax year to help you, your families and businesses with your tax planning.

11/04/2026

The Sheriff’s Biltong fuelling the next hour LexisNexis Dragons vs Birmingham Panthers. Any personal finance queries, come on over

10/04/2026

This Saturday April 11th, I’ll be in the lobby area ahead of the LexisNexis Dragons fixture vs Birmingham Panthers. Come & say hello, ask a question or book a longer chat to look at achieving financial peace of mind.





mortgage

As ever, good luck to our brilliant sponsored player Bethan D**e & both Dragons squads this weekend.

08/04/2026

If you are unable to work due to a serious illness or injury it can be extremely stressful.

Often overlooked in many plans, a protection insurance policy offers peace of mind that you and your family would have financial support during a difficult time.

Here we explore the main types of protection cover to help you make the right choice for you and your family.

Check out the full article via Insights in our linktree