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Cornell and Company Financial Planning

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Cornell and Company Financial Planning

Helping you plan for life changes big or small. Experts in Pensions, Mortgages, Investments and more

01/06/2026

Life happens – but your business doesn’t have to pause. With the right financial planning in place, you can stay prepared and protected.

We’ll help you understand your options and build a safety net that works for you.

Let’s talk get – in touch today.

Approver Quilter Financial Limited and Quilter Financial Services Limited. September 2025

29/05/2026

UK Mortgage Affordability Update | 2026 Snapshot

The year began with cautious optimism as mortgage rates eased and lender competition improved, giving borrowers a welcome sense of stability.
But more recently, global pressures and inflation concerns have added fresh uncertainty, with some lenders adjusting pricing and the Bank of England holding rates at 3.75%.

Even so, the market is showing resilience — arrears are down, lending support remains strong, and options are still widely available for those ready to act.
📊 The message? Conditions may be shifting, but opportunity hasn’t disappeared.
In a market that keeps moving, the right advice makes all the difference.

💬 Thinking about your next move? Cornell and Company are here to help you navigate it with confidence.

01452 309079
[email protected]
www.cornellandcompany.co.uk

Approver Quilter Financial Services Limited April 2026

26/05/2026

Nearly 47% of aspiring homeowners have never spoken to a mortgage broker*.
And without that conversation, it’s easy to assume the worst.
💭 In fact, 1 in 3 people believe they’ll never own a home.
But here’s the twist…
✨ The reality may be brighter than you think.
• 💰 60% of first-time buyers have under £10,000 saved
• ⏳ Many believe it will take 6.5 years to get on the ladder
• 🤔 Yet, many already have options they don’t realise exist
Even more surprising?
📉 Almost half of those who have spoken to an adviser haven’t done so in the past year

💡 So what’s the takeaway?
Don’t let assumptions write your story.
A quick conversation could open doors you didn’t know were there.

📩 Cornell & Company is here to help you explore your options and take that first step with confidence.

01452 309079
[email protected]
www.cornellandcompany.co.uk

*BSA 2026
Approver Quilter Financial Services Limited April 2026

21/05/2026

We’ve discovered a growing trend*: more people are turning to AI tools like ChatGPT for financial and retirement planning guidance. While AI can be useful for explaining concepts, it’s important to understand its limits.

The Financial Conduct Authority (FCA) has cautioned that AI tools can sometimes produce incorrect information, known as “hallucinations”, where responses may sound convincing but are not accurate or up to date.

Much of the data these systems rely on can also be outdated.
The FCA also reminds consumers that general-purpose AI tools are not regulated financial advisers, meaning you would not be covered by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if things go wrong.

📊 In short: AI can inform, but it cannot personalise.
Retirement planning is deeply personal. It depends on your goals, circumstances, tax position, and attitude to risk. AI does not see your full financial picture, and it cannot replace tailored, regulated advice.

🧠 Think of AI as a starting point for understanding ideas, not a decision-maker for your future.

At Cornell and Company, we believe confidence comes from advice built around you, not algorithms guessing at what might fit.
💬
We’d love to hear your thoughts:
Have you ever used AI to ask financial or retirement questions, and would you trust it with long-term decisions?

01452 309079
[email protected]
www.cornellandcompany.co.uk

*PensionBee 2026
Approver Quilter Financial Services Limited April 2026

18/05/2026

‼️Salary sacrifice pensions are changing from April 2029‼️

Right now, salary sacrifice is one of the most tax-efficient ways to pay into your pension. It lets you put part of your salary straight into your pension before Income Tax and National Insurance are taken, which can boost your retirement savings and reduce your tax bill.

It can also help keep your income below certain tax thresholds, and employers may add extra pension contributions from the NI savings they make.

From 6 April 2029, this will change:
• Only the first £2,000 a year of salary sacrifice pension contributions will be free from National Insurance
• Anything above that will still get Income Tax relief, but NI will apply

The good news? Anything arranged before then still benefits from the current, more generous rules.
There’s no need to rush decisions, but this does create a useful planning window. Some people may choose to increase contributions or bring them forward, depending on what’s affordable.
In short: salary sacrifice isn’t going away, but it is becoming less generous. Now is a good time to check your pension strategy is still working as efficiently as possible for your future.

01452 309079
[email protected]
www.cornellandcompany.co.uk

* Essentially Wealth / Q2 2026
Approver Quilter Financial Services Limited April 2026

13/05/2026

Retirement planning often gets pushed aside, not because it isn’t important, but because life is busy.
But here’s the reality: doing nothing is the biggest risk of all.
With rising life expectancy, shifting pensions rules, and increasing State Pension age, the future of retirement is changing fast.

📊 A comfortable retirement may now require*:
• £60,600 a year for couples
• £43,900 for individuals
Yet the average UK pension pot sits at just £32,700, with millions under-saving**.

The good news? It doesn’t require dramatic action overnight.
Start small:
✔ Find your pension details
✔ Review your contributions
✔ Understand your goals
✔ Build consistency over time

💬 What’s one thing you’ve done (or could do) to get your retirement planning started?

01452 309079
[email protected]
www.cornellandcompany.co.uk

* PLSA 2025 **DWP 2025
Approver Quilter Financial Services Limited April 2026

11/05/2026

Despite the new changes from the Renters’ Rights Bill, the buy-to-let market is showing stronger resilience than expected.

Here’s what the latest figures reveal*:
✔️ Total value of BTL loans has climbed to £10.9bn
📈 That’s a 28.2% increase year-on-year
🏠 The number of fixed-rate BTL mortgages now stands at 1.44 million (up 2.3% YoY)
💷 Rental yields are also improving
➡️ UK average gross yield has risen to 7.15% (from 6.93% last year)

💡 What does this mean?
Despite regulatory change on the horizon, landlord activity and returns are continuing to strengthen.

01452 309079
[email protected]
www.cornellandcompany.co.uk

* UK Finance 2026
Approver Quilter Financial Services Limited April 2026

08/05/2026

Whilst it’s not a legal requirement, many estate agents won’t accept a buyer’s offer until an agreement in principle is in place. Having a mortgage agreement in principle before making an offer on a home can strengthen your position as a buyer. It shows sellers you’re serious and have the financial backing to proceed.

The agreement gives you an idea of how much you can borrow and helps you understand your budget better. It can also speed up the buying process once your offer is accepted.

Need help navigating the mortgage process? Get in touch today.

05/05/2026

📍 Gloucester homeowners… quick question 👇
When was the last time you reviewed your mortgage?
If it’s been a while, you could be:
💸 Paying more than you need to
📉 Missing better deals
A quick review could make a big difference.
💬 How long has it been?
1️⃣ Under a year
2️⃣ 1–3 years
3️⃣ No idea 😅
📩 Message us “CHECK” and we’ll take a look.
📞 01452 309079
[email protected]
🌐 www.cornellandcompany.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approver Quilter Financial Services Limited March 2026

30/04/2026

🚨 New Tax Year = New Financial Opportunities
April is your chance to reset and get ahead 👇

✅ Use your £20,000 ISA allowance
✅ Review your pension contributions
✅ Check your mortgage rate
✅ Update beneficiaries
✅ Set clear financial goals for 2026

Most people don’t take action… and it costs them.
💬 Which one have you done already?
1️⃣ 2️⃣ 3️⃣ 4️⃣ 5️⃣

📩 Message us “PLAN” if you want help getting everything aligned this year.

📞 01452 309079
[email protected]
🌐 www.cornellandcompany.co.uk

Approver Quilter Financial Services Limited March 2026

Address

1 St Michael's Court, Brunswick Road
Gloucester
GL11JB

Opening Hours

Monday	8:30am - 6pm
Tuesday	8:30am - 6pm
Wednesday	8:30am - 6pm
Thursday	8:30am - 6pm
Friday	8:30am - 4pm

Website

http://www.cornellandcompany.co.uk/

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