Money Tips Daily by Charles Kelly, former IFA and author of

In another blow long suffering UK landlords,Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rentalincome profits in her budget, which will see the tax burden rise to recordlevels. Buy-to-let landlords will pay a tax rate two percentage points higherthan the basic and higher rates of tax from April 2027.Frozen threshold bands until 2030 means mostof us will pay more tax due to ‘fiscal drag’.Savers, family businesses and pensioners willalso be hit, whilst the welfare budget heads towards £2 TRILLION.Watch fullvideo here - https://youtu.be/O38dvXPp22kThere were a raft of hikes including a mansion tax on properties worth morethan £2 million, mileage charge on EVsAlthough successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing,increased red tape etc), they still need the estimated 2.8 million private buy-to-letproperty landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sWhat This Means for YouThese tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call,click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management!I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax#InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips#CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold#silver #moneymanagement

In another blow long suffering UK landlords,Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rentalincome profits in her budget, which will see the tax burden rise to recordlevels. Buy-to-let landlords will pay a tax rate two percentage points higherthan the basic and higher rates of tax from April 2027.Frozen threshold bands until 2030 means mostof us will pay more tax due to ‘fiscal drag’.Savers, family businesses and pensioners willalso be hit, whilst the welfare budget heads towards £2 TRILLION.Watch fullvideo here - https://youtu.be/O38dvXPp22kThere were a raft of hikes including a mansion tax on properties worth morethan £2 million, mileage charge on EVsAlthough successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing,increased red tape etc), they still need the estimated 2.8 million private buy-to-letproperty landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sWhat This Means for YouThese tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call,click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management!I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax#InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips#CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold#silver #moneymanagement

The new Renters Rights Act 2025, which received the Royal Assent on 27 October 2025, gives tenants stronger protections, abolishes Section 21 ‘no-fault’ evictions, and introduces stricter rules on property standardsand rent increases. Local authorities will have new powers to demand documentary evidence ofcompliance and enter a landlords rented residential accommodation (without a warrantin some cases) within two months of the new Act say the NRLA. Watch video - ⁠https://youtu.be/L6j4EXV1_Cs⁠The far reaching Act will introduce: ·       A standard tenancy for private renting.  ·       A new ‘Decent Homes Standard’ and new rules onresponding to hazards.  ·       New changes to advertising and letting practices.  ·       New limits on when and how much rent can be taken in advance.  ·       The abolition of ‘Section 21’ notices for possession or eviction.  ·       New grounds Section 8 for possession.  ·       New changes to rent increases.  ·       A private rented sector database and Ombudsman landlords will be forced to sign up to.  ·       Further offences and civil penalties forlandlords who don't comply with these rules. Other new rulescoming in because of the Act include: ·       Introduction of 15 new offences that can seelandlords issued with civil penalties. ·       Increase in the maximum civil penalty fine thatcan be imposed of up to £40,000. ·       Six new offences that can result in landlordsfacing a rent repayment order. ·       Increase in the maximum claim period for suchorders, with tenants now able to claim back up to two years of rent paymentsfor breaches. When will the Actbe fully implemented?Housing Minister Matthew Pennycook has previously said that landlords and tenants will be given ‘sufficient notice’, which could be as soon as six to twelve months. The ‘Spare Room’ website said the all the new provisions of this major Act will not be in place until early 2026.  Key Implementation Dates: Investigatory rights for local authorities From 27th December 2025 Part 1 – changes include, end of fixed terms and Section 21, new possession groundsFrom 1st May 2026PRS Database and OmbudsmanLate 2026 estimatedDecent Homes StandardDate to be confirmedHere are 5 things landlords can do to survive the Renters Rights Act:Is the buy-to-let rental property sector dead?Wounded by successive ‘landlord bashing’ governments, but NOT dead! The Renters Rights Act may be challenging, but proactive, informed landlords can still prosper by adjusting early and managing smarter.Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (⁠Section 24⁠, licensing,increased red tape etc), they still need the 2.8 million private buy-to-letproperty landlords. See interview with Chartered Accountant and Tax Specialist - ⁠https://youtu.be/aMuGs_ek17s⁠See:⁠Brace Yourself: 5 Tax Hikes Coming in theUK Budget 2025⁠These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.Watch full video - ⁠https://youtu.be/jITL4nOmBEo⁠If you are stuck in the Section 24 trap and needprofessional advice, email ⁠[email protected]⁠#RentersRightsBill

The new Renters Rights Act 2025, which received the Royal Assent on27 October 2025, gives tenants stronger protections, abolishes Section 21‘no-fault’ evictions, and introduces stricter rules on property standardsand rent increases. Local authorities will have new powers to demand documentary evidence ofcompliance and enter a landlords rented residential accommodation (without a warrantin some cases) within two months of the new Act say the NRLA. Watch video - https://youtu.be/L6j4EXV1_CsThe far reaching Act will introduce: ·       A standard tenancy for private renting.  ·       A new ‘Decent Homes Standard’ and new rules onresponding to hazards.  ·       New changes to advertising and letting practices.  ·       New limits on when and how much rent can be taken in advance.  ·       The abolition of ‘Section 21’ notices for possession or eviction.  ·       New grounds Section 8 for possession.  ·       New changes to rent increases.  ·       A private rented sector database and Ombudsman landlords will be forced to sign up to.  ·       Further offences and civil penalties forlandlords who don't comply with these rules. Other new rulescoming in because of the Act include: ·       Introduction of 15 new offences that can seelandlords issued with civil penalties. ·       Increase in the maximum civil penalty fine thatcan be imposed of up to £40,000. ·       Six new offences that can result in landlordsfacing a rent repayment order. ·       Increase in the maximum claim period for suchorders, with tenants now able to claim back up to two years of rent paymentsfor breaches. When will the Actbe fully implemented?Housing Minister Matthew Pennycook has previously said that landlords and tenants will be given ‘sufficient notice’, which could be as soon as six to twelve months. The ‘Spare Room’ website said the all the new provisions of this major Act will not be in place until early 2026.  Key Implementation Dates: Investigatory rights for local authorities From 27th December 2025 Part 1 – changes include, end of fixed terms and Section 21, new possession groundsFrom 1st May 2026PRS Database and OmbudsmanLate 2026 estimatedDecent Homes StandardDate to be confirmedHere are 5 things landlords can do to survive the Renters Rights Act:Is the buy-to-let rental property sector dead?Wounded by successive ‘landlord bashing’ governments, but NOT dead! The Renters Rights Act may be challenging, but proactive, informed landlords can still prosper by adjusting early and managing smarter.Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing,increased red tape etc), they still need the 2.8 million private buy-to-letproperty landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sSee:Brace Yourself: 5 Tax Hikes Coming in theUK Budget 2025These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.Watch full video - https://youtu.be/jITL4nOmBEoIf you are stuck in the Section 24 trap and needprofessional advice, email [email protected]#RentersRightsBill

As Chancellor Rachel Reeves prepares to unveil the November 2025 UK Budget, all eyes are on her to plug a fiscal black hole of £20–30 billion through tax rises and spending cuts. (Reuters)Despite Labour’s manifesto pledges not to increase income tax, NationalInsurance (NI), or VAT, Reeves has already hinted that taxes on thewealthy will “be part of the story.” (TheGuardian) The Institute for Fiscal Studies warns against a “dash forrevenue,” urging her to use smart, targeted reforms. (TheGuardian).Below are 5 likely tax rises she might deploy:  What This Means for YouThese tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.Watch full video - https://youtu.be/jITL4nOmBEoThe Chancellor could also tinker with pension allowances and the taxfree cash element of pension pots, which would be disastrous for savers approachingretirement age.Watch our upcoming episode on the Charles Kelly Money Tips Podcastwhere I break down each tax move, what it means for you, and how to legally protectyour wealth.Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call.For a free gold, investment report, and Discovery Call,click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management!I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free. Join me online on my free live money management trainingWednesday at 8.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax#InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips#CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold#silver #moneymanagement