Preparing For The Autumn Budget: What It Could Mean For Your Finances

The Autumn Budget is set for Wednesday 26 November 2025, when Chancellor Rachel Reeves will deliver her first full Budget statement.

Alongside the speech, the Office for Budget Responsibility will publish updated forecasts for the UK economy, giving us a clearer picture of the challenges and opportunities for the year ahead.

WHAT’S AT STAKE?

This Budget comes at a time when the government is facing a sizeable financial shortfall—estimated at between £20 billion and £50 billion. Slowing economic growth, rising debt costs, and recent policy changes mean that every measure announced will be under close scrutiny by the markets.

POSSIBLE TAX AND INVESTMENT CHANGES

While nothing is confirmed until the Chancellor speaks, there has been much speculation about possible reforms that could affect investors and families alike, including:

• ISAs – changes to contribution rules or allowances
• Pensions – potential adjustments to tax-free cash
• Capital Gains Tax – possible revisions to allowances or rates
• Inheritance Tax – ongoing speculation around thresholds and reliefs

It’s also possible that instead of headline rate changes, the government may choose to freeze tax thresholds or amend reliefs, which can still have a significant impact over time.

WHAT THIS MEANS FOR YOU

With so much speculation in the media, it’s important not to make rushed decisions before the details are confirmed. Last year, for example, we saw many investors take pension tax-free cash earlier than necessary, only to find that the actual reforms didn’t require such immediate action.

For now, the focus should remain on building flexible, tax-efficient financial structures that can be adapted once the Budget is announced.

SAVE THE DATE: FINURA AUTUMN BUDGET WEBINAR

To help our clients make sense of the announcements, Finura will be holding a webinar on Thursday 4 December 2025, joined by experts from Schroders. We’ll explore what the Budget means for your financial planning and the practical steps you may want to consider.

Articles on this website are offered only for general information and educational purposes. They are not offered as, and do not constitute, financial advice. You should not act or rely on any information contained in this website without first seeking advice from a professional.

Past performance is not a guide to future performance and may not be repeated. Capital is at risk; investments and the income from them can fall as well as rise and investors may not get back the amounts originally invested.

Date written: 9^th September 2025

Approved by Evolution Wealth Network Ltd on 10/09/2025.