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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.

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.

06/10/2026

You've found your next home. Then your buyer pulls out. There's nothing more anoying. 🏠

If you've already exchanged, it's a massively stressful moment, and it's exactly what bridging finance was built for. 💷

A bridging loan is short-term finance secured against property, there to cover you until longer-term money arrives. ⏳

It can stop a chain collapsing, help you move fast on an auction property, or buy somewhere that needs work before a lender will fund it. 👀

But it's not something to rush into, and the exit plan matters more than anything. 😬

In our latest article, we explain how bridging works, what it costs, and when it's the right call. 🤝

👉 Read the full article here: https://www.cedarhousefinancial.co.uk/the-loan-that-buys-you-time-when-a-property-chain-collapses/

This article is for general information only and does not constitute financial advice. Your home or property may be repossessed if you do not keep up repayments on borrowing secured against it.

05/10/2026

The amount of investment risk that suits you isn't fixed. 📣

It shifts as your life changes, and it's worth revisiting more often than most people do. 💷

In your 30s, with decades ahead, you may be comfortable riding out the market's ups and downs.

Closer to retirement, protecting what you've built often matters more than chasing every last bit of growth. 👀

Life events shift it too, be it a a new baby, an inheritance, or a career change. 🤔

All in all, the risk in your portfolio should reflect where you are now, not where you were when you first set it up.

If it's been a while since you thought about how much risk you're comfortable with, contact us for a review. 👇

📞 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.

01/10/2026

The Budget lands on October 28th, and the speculation has already started. 🗣️

Some of it is worth your attention, but most of it isn't yet.

A few things are already confirmed, however, including a major change to how pensions are treated for inheritance tax from 2027. 👀

But acting on rumours that may never happen can create problems that are hard to undo. 😬

In our latest article, we separate what's confirmed from what's just speculation, and explain the sensible steps worth taking now. 🤝

👉 Read the full article here: https://www.cedarhousefinancial.co.uk/what-to-do-and-not-do-before-the-28-october-budget/

This article is for general information only and does not constitute financial or tax advice. Tax treatment depends on individual circumstances and may change.

The value of investments can fall as well as rise, and you may get back less than you invest.

30/09/2026

When it comes to pensions, time does more of the work than you might think. ⏳

Why? Because the earlier money goes in, the longer it has to grow, and the difference can be surprisingly large. 💷

Let's say there are two people, each paying £200 a month into a pension.

One starts at 30. The other waits until 40.

Assuming the same growth, the earlier starter could retire with a considerably bigger pot, despite paying in for only ten more years. 👀

That's the power of compound growth, with returns earning returns, year after year. 📈

It's why "I'll sort my pension later" is one of the most expensive phrases in personal finance. 😔

The good news? If you're already paying in, even small increases now can make a meaningful difference over time.

If you'd like to review whether you're contributing enough, contact us. 👇

📞 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.

29/09/2026

As of October 1st, VAT on household electricity has dropped from 5% to 0%. ⚡

It's one of the new government's first cost-of-living measures, and it'll run for six months until the end of March.

The headline saving is around £45 a year for a typical household. 💷

However, the energy price cap changes on the same day, so the saving may be smaller than the headline suggests. 👀

And that's a useful reminder that the savings you actually control are usually more beneficial than the ones handed to you.

So, a quick look at your outgoings, direct debits, and where your money's sitting will probably save you more than £45. 🤔

If you'd like a hand reviewing your finances, get in touch. 👇

📞 020 8366 4400 | ✉️ [email protected]

24/09/2026

There's an employee benefit that doesn't get the plaudits it should...

It's called group income protection. 💼

And it pays a proportion of someone's salary if they're signed off long-term, taking pressure off them and you. 🙌

Many policies also include rehabilitation support to help people back to work sooner.

For staff, it's peace of mind that their income won't abruptly stop. ✅

For employers, it eases the uncertainty of long-term absence. ✅

It's also usually more affordable than businesses expect, and it signals that you look after your team when it matters most. 🤝

If you're reviewing what your business offers your people, contact us to see whether it fits.

📞 020 8366 4400 | ✉️ [email protected]

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

23/09/2026

Being self-employed doesn't mean you can't get a mortgage. 🏠

But it does mean lenders look at your income a bit differently. 💷

Instead of payslips, they'll usually want your accounts or tax calculations, often covering the last two to three years. 👀

That can catch people out, especially if you've recently gone self-employed, or if you keep your declared profits low for tax reasons.

The good news? Different lenders assess self-employed income in very different ways. 🙌

Some focus on salary and dividends, others on net profit, and a few are far more flexible than the high street. 👀

And that's why going straight to your own bank isn't always the best move. 🏦

If you're self-employed and thinking about buying or remortgaging, contact us to talk through your options. 👇

📞 020 8366 4400 | ✉️ [email protected]

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

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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