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

Home Equity Release Mortgages Explained By Leading Expert With 18 Years ExperienceIf you’re over 55 and property-rich but cash-poor, home equity release could be an option worth understanding. In the UK, the most common type is a lifetime mortgage.Watch full video: https://youtu.be/eNmhqQmthNwInthis Money Tip’s interview, Equity Release Mortgage expert Darren Cohen, explainsthat a lifetime mortgage allows you to borrow money secured against your homewhile retaining ownership. Unlike a traditional mortgage, you don’t have tomake monthly repayments unless you choose to. Instead, the interest typically“rolls up” and is added to the loan. The balance is repaid when you die or moveinto long-term care, usually from the sale of the property.There are several types or variations of lifetime mortgages:1.Roll-up Lifetime Mortgage – The most common option. Nomonthly payments are required; interest compounds over time, which cansignificantly increase the mortgage debt.2.Interest-Paying Lifetime Mortgage – You pay some or all of themonthly interest to reduce the final balance. Early repayment penaltiestypically apply during the first seven years.3.Drawdown Lifetime Mortgage – You release funds in stages,meaning you only pay interest on the money actually withdrawn.Another option is a Retirement Interest-Only (RIO) mortgage. With aRIO, you pay the interest each month, but the capital is repaid when theproperty is sold after death or entry into care. Because you’re servicing theinterest, the debt does not grow. However, you must prove affordability, unlikemost lifetime mortgages.Thereare a small number of lenders who will grant a fixed term Interest Onlymortgage, subject to affordability. With an Interest Only mortgage or a RIO,your home may be repossessed if you do not keep up repayments.Equityrelease can provide tax-free cash for supplementing retirement income, homeimprovements, or helping family. But it will reduce the value of your estateand may affect means-tested benefits.Always seek independent financial advice and choose lenders approved by theEquity Release Council, which offers protections such as the “no negativeequity guarantee.”Used wisely, equity release can bea powerful retirement and inheritance tax planning tool — but it must beunderstood properly first.Ifyou are interested in exploring Equity Release, contact Darren Cohen at RightHomes Equity Release Ltd (www.linkedin.com/in/darrenscohen) or email charles@charleskelly.net. #EquityRelease#LifetimeMortgage #RIOMortgage #UKFinance #RetirementPlanning #Over55Finance#MoneyTips #PropertyWealth #FinancialFreedom #laterlifemortgages

Home Equity Release Mortgages Explained By Leading Expert With 18 Years ExperienceIf you’re over 55 and property-rich but cash-poor, home equity release could be an option worth understanding. In the UK, the most common type is a lifetime mortgage.Watch full video: https://youtu.be/eNmhqQmthNwInthis Money Tip’s interview, Equity Release Mortgage expert Darren Cohen, explainsthat a lifetime mortgage allows you to borrow money secured against your homewhile retaining ownership. Unlike a traditional mortgage, you don’t have tomake monthly repayments unless you choose to. Instead, the interest typically“rolls up” and is added to the loan. The balance is repaid when you die or moveinto long-term care, usually from the sale of the property.There are several types or variations of lifetime mortgages:1.Roll-up Lifetime Mortgage – The most common option. Nomonthly payments are required; interest compounds over time, which cansignificantly increase the mortgage debt.2.Interest-Paying Lifetime Mortgage – You pay some or all of themonthly interest to reduce the final balance. Early repayment penaltiestypically apply during the first seven years.3.Drawdown Lifetime Mortgage – You release funds in stages,meaning you only pay interest on the money actually withdrawn.Another option is a Retirement Interest-Only (RIO) mortgage. With aRIO, you pay the interest each month, but the capital is repaid when theproperty is sold after death or entry into care. Because you’re servicing theinterest, the debt does not grow. However, you must prove affordability, unlikemost lifetime mortgages.Thereare a small number of lenders who will grant a fixed term Interest Onlymortgage, subject to affordability. With an Interest Only mortgage or a RIO,your home may be repossessed if you do not keep up repayments.Equityrelease can provide tax-free cash for supplementing retirement income, homeimprovements, or helping family. But it will reduce the value of your estateand may affect means-tested benefits.Always seek independent financial advice and choose lenders approved by theEquity Release Council, which offers protections such as the “no negativeequity guarantee.”Used wisely, equity release can bea powerful retirement and inheritance tax planning tool — but it must beunderstood properly first.Ifyou are interested in exploring Equity Release, contact Darren Cohen at RightHomes Equity Release Ltd (www.linkedin.com/in/darrenscohen) or email charles@charleskelly.net. #EquityRelease#LifetimeMortgage #RIOMortgage #UKFinance #RetirementPlanning #Over55Finance#MoneyTips #PropertyWealth #FinancialFreedom #laterlifemortgages

Labour has unveiled a bold new Leasehold Reform Bill that proposes capping groundrents at just £250 per year from 2028 and banning new leaseholdsaltogether. The move is designed to tackle one of the most controversial partsof the UK housing market — the expensive and often unfair system of leaseholdproperty ownership that has left thousands of leaseholders burdened withhigh ground rents and excessive service charges.Watch video version: https://youtu.be/_i46hP5oGTwUndercurrent arrangements, many leaseholders struggle with spiralling ground rentsthat escalate over time, plus unpredictable service charges. Critics argue thismirrors a feudal system and traps homeowners in long leases that erodethe value of their homes. Labour claims the new bill will make it simpler forleaseholders to transition to commonhold, a form of ownership akin tofreehold where residents collectively own and manage their building.Labour’sproposals are intended to bring greater fairness and transparency. Byrestricting future ground rents to a nominal £250 and preventing new leaseholdtitles, the bill aims to end the creation of leaseholds and protect futureproperty buyers. More controversially, the legislation encourages — but doesnot fully mandate — existing leaseholders to convert to commonhold. This raisespractical questions about how leaseholders with different lease lengths can allswitch. Critics warn that without compulsory mechanisms and clear valuationrules, many families may still find it difficult or prohibitively expensive tomake the change.Anotherkey debate centres on how the reforms will affect freeholders’ asset value.Freeholders range from private owners to institutions and estates withsignificant property portfolios. For example, the Duke of Westminster’sestate, which holds high-value freeholds in Mayfair and Belgravia,could see the future value of those assets reduced if new leaseholds can nolonger be created and if conversions proceed without compensation mechanisms.WillLabour’s Leasehold Reform Bill slash asset values for major freeholders,or will it, like the 2025 Conservative Leasehold Reform Act, simply“paper over the cracks” of a broken system? The effectiveness of the bill willdepend on detailed implementation, protections for existing leaseholders, andthe legal frameworks that govern commonhold conversions. For many leaseholders,hope remains that meaningful reform could finally deliver a fairer propertymarket.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 Where to find me:Money Tips website:https://moneytipsdaily.com/YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips#leaseholdreform#property #commonholdflats #groundrentcap #money #propertyinvestment

Labour has unveiled a bold new Leasehold Reform Bill that proposes capping groundrents at just £250 per year from 2028 and banning new leaseholdsaltogether. The move is designed to tackle one of the most controversial partsof the UK housing market — the expensive and often unfair system of leaseholdproperty ownership that has left thousands of leaseholders burdened withhigh ground rents and excessive service charges.Watch video version: https://youtu.be/_i46hP5oGTwUndercurrent arrangements, many leaseholders struggle with spiralling ground rentsthat escalate over time, plus unpredictable service charges. Critics argue thismirrors a feudal system and traps homeowners in long leases that erodethe value of their homes. Labour claims the new bill will make it simpler forleaseholders to transition to commonhold, a form of ownership akin tofreehold where residents collectively own and manage their building.Labour’sproposals are intended to bring greater fairness and transparency. Byrestricting future ground rents to a nominal £250 and preventing new leaseholdtitles, the bill aims to end the creation of leaseholds and protect futureproperty buyers. More controversially, the legislation encourages — but doesnot fully mandate — existing leaseholders to convert to commonhold. This raisespractical questions about how leaseholders with different lease lengths can allswitch. Critics warn that without compulsory mechanisms and clear valuationrules, many families may still find it difficult or prohibitively expensive tomake the change.Anotherkey debate centres on how the reforms will affect freeholders’ asset value.Freeholders range from private owners to institutions and estates withsignificant property portfolios. For example, the Duke of Westminster’sestate, which holds high-value freeholds in Mayfair and Belgravia,could see the future value of those assets reduced if new leaseholds can nolonger be created and if conversions proceed without compensation mechanisms.WillLabour’s Leasehold Reform Bill slash asset values for major freeholders,or will it, like the 2025 Conservative Leasehold Reform Act, simply“paper over the cracks” of a broken system? The effectiveness of the bill willdepend on detailed implementation, protections for existing leaseholders, andthe legal frameworks that govern commonhold conversions. For many leaseholders,hope remains that meaningful reform could finally deliver a fairer propertymarket.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 Where to find me:Money Tips website:https://moneytipsdaily.com/YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips#leaseholdreform#property #commonholdflats #groundrentcap #money #propertyinvestment

Should You Buy Gold or Silver NOW? Most Investors Get This WrongSilver has risen by 185%, and Gold by 68%, againstthe Dollar in the last 12 months. Should you join the bandwagon hoping to ridethe crest of the wave?With inflation, high interest rates, risinggovernment debt and global uncertainty, many investors are once again askingthe key question: should I buy silver or gold now? Both precious metalshave long been viewed as safe-haven assets, but they behave very differentlydepending on economic conditions.Watch video - https://youtu.be/4A9QzSla6_oGold is primarily a store of value. Central banks hold it, governments’trust it, and investors often turn to gold during times of crisis, currencydebasement and geopolitical risk. When confidence in fiat money falls, goldtends to perform well. It is less volatile than silver and often acts as ahedge against inflation and long-term monetary mismanagement.Silver, on the other hand, has a dual role. It is both a precious metal and anindustrial metal. Silver is heavily used in solar panels, electric vehicles,electronics and medical technology. This means silver can outperform goldduring periods of economic recovery and rising industrial demand. Historically,silver is far more volatile than gold, but that volatility can offer greaterupside potential.One popular indicator investors watch is the gold-to-silver ratio.When the ratio is high, silver is considered undervalued relative to gold. Atelevated levels, many investors believe silver offers better value and moreupside. When the ratio falls, gold tends to be the safer holding.FOMOSo should you buy silver or gold now? The answer may be both.Gold provides stability and protection, while silver offers growth potential ifinflation persists and green energy demand accelerates. A balanced allocationcan help diversify risk while positioning you for future monetary and economicshifts.Don’t get carried away by FOMO– fear of missing out.Gold and silver should be treated as long term investments and a hedge against inflation and the fallingvalue of fiat currencies due to money printing and excessive borrowing.  If you are looking to make a killing or shortterm gain, be careful. The silver market can be extremely volatile and thisrally could be followed by a fall in the price as investors take profits.Silver coins are also sold with a significant mark up making short termgains difficult.As always, consider your time horizon and, risk tolerance and overallportfolio strategy before investing. Take independent financial advice,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 Where to find me:Money Tips website:https://moneytipsdaily.com/YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips 

Should You Buy Gold or Silver NOW? Most Investors Get This WrongSilver has risen by 185%, and Gold by 68%, againstthe Dollar in the last 12 months. Should you join the bandwagon hoping to ridethe crest of the wave?With inflation, high interest rates, risinggovernment debt and global uncertainty, many investors are once again askingthe key question: should I buy silver or gold now? Both precious metalshave long been viewed as safe-haven assets, but they behave very differentlydepending on economic conditions.Watch video - https://youtu.be/4A9QzSla6_oGold is primarily a store of value. Central banks hold it, governments’trust it, and investors often turn to gold during times of crisis, currencydebasement and geopolitical risk. When confidence in fiat money falls, goldtends to perform well. It is less volatile than silver and often acts as ahedge against inflation and long-term monetary mismanagement.Silver, on the other hand, has a dual role. It is both a precious metal and anindustrial metal. Silver is heavily used in solar panels, electric vehicles,electronics and medical technology. This means silver can outperform goldduring periods of economic recovery and rising industrial demand. Historically,silver is far more volatile than gold, but that volatility can offer greaterupside potential.One popular indicator investors watch is the gold-to-silver ratio.When the ratio is high, silver is considered undervalued relative to gold. Atelevated levels, many investors believe silver offers better value and moreupside. When the ratio falls, gold tends to be the safer holding.FOMOSo should you buy silver or gold now? The answer may be both.Gold provides stability and protection, while silver offers growth potential ifinflation persists and green energy demand accelerates. A balanced allocationcan help diversify risk while positioning you for future monetary and economicshifts.Don’t get carried away by FOMO– fear of missing out.Gold and silver should be treated as long term investments and a hedge against inflation and the fallingvalue of fiat currencies due to money printing and excessive borrowing.  If you are looking to make a killing or shortterm gain, be careful. The silver market can be extremely volatile and thisrally could be followed by a fall in the price as investors take profits.Silver coins are also sold with a significant mark up making short termgains difficult.As always, consider your time horizon and, risk tolerance and overallportfolio strategy before investing. Take independent financial advice,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 Where to find me:Money Tips website:https://moneytipsdaily.com/YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips 

How To ‘Shop Away’ YourMortgage and Save Thousands On Interest And Become Debt FreeJinesh Vohra, founder of Sprive.com explains how using hisapp while doing your weekly shop can save your thousands of pounds and help youpay your mortgage off years earlier.Watch video - https://youtu.be/TfC85fdkCvMHouse Prices Plunge In London And Stockbroker Belt As Silver And Gold Surge!Watch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-Foa3 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 7.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IHUSE THIS PROMO CODE CHARLES5 gets paid on first shopping (£5towards the mortgage)#mortgage #housepricesfall #UKPropertyTax #MoneyTips #CharlesKellyPodcast#TaxPlanning #sprive.com #savemoney

How To ‘Shop Away’ Your Mortgage and Save Thousands On Interest And Become Debt FreeJinesh Vohra, founder of Sprive.com explains how using hisapp while doing your weekly shop can save your thousands of pounds and help youpay your mortgage off years earlier.Watch video - https://youtu.be/TfC85fdkCvMHouse Prices Plunge In London And Stockbroker Belt As Silver And Gold Surge!Watch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-Foa3 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 7.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IHUSE THIS PROMO CODE CHARLES5 gets paid on first shopping (£5towards the mortgage)#mortgage #housepricesfall #UKPropertyTax #MoneyTips #CharlesKellyPodcast#TaxPlanning #sprive.com #savemoney

Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Goldcontinued its upward trajectory rising by just under 58%!Crawley, a town close to Gatwick airport inWest Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4%wiping £34,000 off average house values. Even trendy Brighton was hit with a4.8% or £20,000 dive, according to Lloyds bank.The London property market has also suffered a2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, StampWatch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-FoaProperty prices in London and parts of theSouth East fell this year by up to 8.9%, as Silver surged 138% and Goldcontinued its upward trajectory rising by just under 58%!Crawley, a town close to Gatwick airport inWest Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4%wiping £34,000 off average house values. Even trendy Brighton was hit with a4.8% or £20,000 dive, according to Lloyds bank.The London property market has also suffered a2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, StampDuty increase in April and uncertainty over the budget which saw theintroduction of a mansion tax.Overseas buyers have dried up, non-doms andthe rich are leaving the UK in droves and property landlords have been sellingup partly due to the Renters Rights Act and the abolition of Section 21 ‘nofault evictions’. Chancellor Rachel Reeves announced a new tax surchargeon rental income profits in her budget, which sees the tax burden rise torecord levels. Buy-to-let landlords will pay a tax rate two percentage points higherthan the basic and higher rates of tax from April 2027.Watch fullvideo here - https://youtu.be/O38dvXPp22kAlthough 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 2.8 million private buy-to-letproperty landlords. OpportunitiesInvestors will be sitting on cash and watching the housingand stock markets for opportunities to snap up assets at bargain prices, buttiming the market can be tricky.House prices are already being discounted by sellers. Propertyprices are overpriced when compared to incomes. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sGold and silver outperformed the markets and investors and central banks piled into metals amid speculation of an AI-driven stock market bubble.Invest in Gold and Silver There are various ways to invest in Gold and Silver. You can buy physical Gold and Silver coins, bars or bullion online through reputable dealers (seebelow for more details). You can also buy funds which hold precious metals, as well as mining companies, directly on stock markets or through your ISA, SIPP and SSAS pensions (IRAs). Seek professional advice before investing.  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 7.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IHTime for reflectionHas 2025 been a good year for you?Did you reach your goals and targets?What goals have you set for 2026?I wish you a Happy and Prosperous New Year and hope you achieve yourdreams.

Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Goldcontinued its upward trajectory rising by just under 58%!Crawley, a town close to Gatwick airport in West Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4% wiping £34,000 off average house values. Even trendy Brighton was hit with a 4.8% or £20,000 dive, according to Lloyds bank.The London property market has also suffered a2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, Stamp Duty increase in April and uncertainty over the budget which saw theintroduction of a mansion tax.Watch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-FoaProperty prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Gold continued its upward trajectory rising by just under 58%!Crawley, a town close to Gatwick airport inWest Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4%wiping £34,000 off average house values. Even trendy Brighton was hit with a4.8% or £20,000 dive, according to Lloyds bank.The London property market has also suffered a2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, StampDuty increase in April and uncertainty over the budget which saw theintroduction of a mansion tax.Overseas buyers have dried up, non-doms andthe rich are leaving the UK in droves and property landlords have been sellingup partly due to the Renters Rights Act and the abolition of Section 21 ‘no fault evictions’. Chancellor Rachel Reeves announced a new tax surchargeon rental income profits in her budget, which sees the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higherthan the basic and higher rates of tax from April 2027.Watch fullvideo - https://youtu.be/O38dvXPp22k 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-let property landlords. Opportunities Investors will be sitting on cash and watching the housingand stock markets for opportunities to snap up assets at bargain prices.House prices are already being discounted by sellers. Property prices are overpriced when compared to incomes.See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17sGold and silver outperformed the markets and investors and central bankspiled into metals amid speculation of an AI-driven stock market bubble.How to Invest in Gold and Silver? There are various ways to invest in Gold and Silver. You can buy physical Gold and Silver coins, bars or bullion online through reputable dealers (see below for more details). You can also buy funds which hold precious metals, as well as mining companies, directly on stock markets or through your ISA, SIPP and SSASpensions (IRAs). Always seek professional advice before investing.  See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including 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 7.00PM. Places are limited, so registernow below to avoid disappointment.https://bit.ly/3QPp8IHTime for reflectionHas 2025 been a good year for you?Did you reach your goals and targets?What goals have you set for 2026?I wish you a Happy and Prosperous New Year and hope you achieve yourdreams.

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 ⁠Charles@CharlesKelly.net⁠#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 Charles@CharlesKelly.net#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 

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 

The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors.Historically, the ratio averages around 60:1, meaning gold typicallytrades at about 60 times the price of silver. Today, however, the ratio hassurged above 85:1, signalling that silver may be undervaluedcompared to gold.Watch video now - https://youtu.be/Z7ZWbCrvyuI?si=FUvGxBrMtcmRTbf7This imbalance often creates opportunities. When the ratio is this high,savvy investors see it as a buy signal for silver, expecting the gap toclose over time — either through silver rising in price, gold falling, or bothadjusting.Silver also has strong industrial demand — it’s used in solarpanels, electric vehicles, electronics, and medical tech — all sectorsexpected to expand in the coming decade. Combine that with limited new minesupply and rising investment interest, and silver looks like a compellinglong-term play.While gold remains the ultimate safe-haven asset, silver offers more upsidepotential during economic recoveries or inflationary periods.If you’ve been considering diversifying into precious metals, now couldbe the perfect time to accumulate silver while it remains cheap relativeto gold.Always consult your financial adviser before making investmentdecisions.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 Where to find me:Money Tips website:https://moneytipsdaily.com/YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals#SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection#MoneyTipsPodcast #CharlesKelly  

The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors.Historically, the ratio averages around 60:1, meaning gold typicallytrades at about 60 times the price of silver. Today, however, the ratio hassurged above 85:1, signalling that silver may be undervaluedcompared to gold.Watch video now - https://youtu.be/Z7ZWbCrvyuI?si=FUvGxBrMtcmRTbf7This imbalance often creates opportunities. When the ratio is this high,savvy investors see it as a buy signal for silver, expecting the gap toclose over time — either through silver rising in price, gold falling, or bothadjusting.Silver also has strong industrial demand — it’s used in solarpanels, electric vehicles, electronics, and medical tech — all sectorsexpected to expand in the coming decade. Combine that with limited new minesupply and rising investment interest, and silver looks like a compellinglong-term play.While gold remains the ultimate safe-haven asset, silver offers more upsidepotential during economic recoveries or inflationary periods.If you’ve been considering diversifying into precious metals, now couldbe the perfect time to accumulate silver while it remains cheap relativeto gold.Always consult your financial adviser before making investmentdecisions.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 Where to find me:Money Tips website:https://moneytipsdaily.com/YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6EgMoney TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunitiesLinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals#SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection#MoneyTipsPodcast #CharlesKelly  

The Conservative Party leader Kemi Badenoch surprised her part conference byannouncing a bold pledge: to abolishStamp Duty on residential property purchases.For decades, Stamp Duty has been one of the biggest frustrationsfor buyers in the UK housing market. Whether you’re a first-time buyer scrapingtogether a deposit, or a property investor looking to expand, Stamp Duty hasalways added thousands to the cost of moving.Watch video https://youtu.be/OHdOUeZ9zRgTheConservatives argue that scrapping it will:Make housing more affordable for familiesEncourage mobility in the marketStimulate property transactions and economic growthButcritics warn that it could push up houseprices, as buyers with extra cash bid higher, and may not solvethe deeper issues of affordability. For landlords and second-home buyers, itcould be a major tax saving — but will it mean more competition for first-timebuyers?From a UK perspective, thispromise could reshape the housing market. If delivered, it would mark one ofthe most significant changes to property taxation in decades.Thepolicy does not include the Stamp Duty Surcharge on second and buy-to-letproperties, introduced by the thenConservative Chancellor George Osbourne, who also brought in the Section 24 ‘landlord tax’.Whilstthe Conservatives are lagging in the polls, and would still have to win thenext general election in three or four years’ time, the shock announcementcould prompt Labour to adopt the plan to revive the flagging housing market aswell as reversing Sir Kier Starmer’s declining popularity.In today’s MoneyTips Podcast, I’ll break down:·       Who benefits most from this pledge·       What it could mean for homeowners, landlords, and investors·       And whether this is a genuine fix, or just another electionheadlineWatch now to find out how thispromise could impact your finances.See also:Labour’s Coming forYour House? Rachel Reeves’ Shocking Tax Plan!https://youtu.be/h8zYPlicIAUIs this the righttime to buy?Watch full video: https://youtu.be/72J6Bo0sG2QSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwLearn more aboutproperty investing in this free webinar:https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH 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 #StampDuty #UKProperty #Conservatives #UKHousingMarket#MoneyTipsPodcast #PropertyInvestmentUK #FinancialFreedomUK #CharlesKelly#PropertyTax #UKFinance

The Conservative Party leader Kemi Badenoch surprised her part conference byannouncing a bold pledge: to abolishStamp Duty on residential property purchases.For decades, Stamp Duty has been one of the biggest frustrationsfor buyers in the UK housing market. Whether you’re a first-time buyer scrapingtogether a deposit, or a property investor looking to expand, Stamp Duty hasalways added thousands to the cost of moving.Watch video - https://youtu.be/HkatdJ4CryoTheConservatives argue that scrapping it will:Make housing more affordable for familiesEncourage mobility in the marketStimulate property transactions and economic growthButcritics warn that it could push up houseprices, as buyers with extra cash bid higher, and may not solvethe deeper issues of affordability. For landlords and second-home buyers, itcould be a major tax saving — but will it mean more competition for first-timebuyers?From a UK perspective, thispromise could reshape the housing market. If delivered, it would mark one ofthe most significant changes to property taxation in decades.Thepolicy does not include the Stamp Duty Surcharge on second and buy-to-letproperties, introduced by the thenConservative Chancellor George Osbourne, who also brought in the Section 24 ‘landlord tax’.Whilstthe Conservatives are lagging in the polls, and would still have to win thenext general election in three or four years’ time, the shock announcementcould prompt Labour to adopt the plan to revive the flagging housing market aswell as reversing Sir Kier Starmer’s declining popularity.In today’s MoneyTips Podcast, I’ll break down:·       Who benefits most from this pledge·       What it could mean for homeowners, landlords, and investors·       And whether this is a genuine fix, or just another electionheadlineWatch now to find out how thispromise could impact your finances.See also:Labour’s Coming forYour House? Rachel Reeves’ Shocking Tax Plan!https://youtu.be/h8zYPlicIAUIs this the righttime to buy?Watch full video: https://youtu.be/72J6Bo0sG2QSee also:Property or Stocks – Which Is The Best Investment For You? “Should I invest in property orthe stock market?”Watch video - https://youtu.be/M6kWFPs8HPwLearn more aboutproperty investing in this free webinar:https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH 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 #StampDuty #UKProperty #Conservatives #UKHousingMarket#MoneyTipsPodcast #PropertyInvestmentUK #FinancialFreedomUK #CharlesKelly#PropertyTax #UKFinance