Insights & research
Articles from our advisory team
UK Corporation Tax in 2026: Rates, Reliefs and Planning for Company Owners
A comprehensive guide to UK corporation tax in 2026: the 19% small profits rate, 25% main rate, marginal relief, associated companies, full expensing, R&D credits, and group loss planning.
Read article →Expat LifeGetting a UK Mortgage as an Expat: Lenders, Criteria, and Pitfalls
UK mortgages for non-residents are available but involve tighter criteria, specialist lenders, and additional costs. This guide covers everything you need to know before applying.
Read article →Property InvestmentCan You Remortgage UK Property While Living Abroad?
Many British expats own UK property but find remortgaging from abroad unexpectedly difficult. Most high street lenders restrict products to UK residents, but options exist for non-residents who know where to look.
Read article →Tax PlanningThe UK Foreign Income and Gains Regime: A Practical Guide for New Arrivals
The non-dom remittance basis was abolished in April 2025 and replaced with the Foreign Income and Gains regime. Here is how it works in practice for individuals arriving in the UK.
Read article →Tax PlanningUK Tax Year-End Planning Guide: Making the Most of Your Allowances Before 5 April
With the UK tax year closing on 5 April, high earners and internationally mobile individuals have a narrow window to deploy allowances, crystallise losses, and manage income bands. This guide covers every lever worth pulling before the deadline.
Read article →Expat LifeThe Ultimate Guide to Banking as an Expat
Poor banking infrastructure is one of the most common and avoidable causes of financial friction for expats. The wrong banking setup means unnecessary currency conversion fees, blocked transactions, accounts closed without warning, and the inability to pay UK obligations from abroad. Getting it right requires a deliberate three-layer strategy.
Read article →InvestmentsUnderstanding Credit Ratings: What They Mean for Investors
Credit ratings are used across global financial markets to assess the default risk of borrowers. They shape what institutional investors can hold, the interest rates companies pay, and the risk profile of bond portfolios. Here is what they actually mean.
Read article →InvestmentsThe True Cost of Investing: Why Fees Matter More Than You Think
An extra 1% in annual investment fees does not reduce your returns by 1% — it reduces your final portfolio by around 22% over 25 years. This is one of the most important and most ignored facts in personal finance. Here is a complete guide to investment costs.
Read article →InvestmentsActive Managed Funds vs Passive ETFs: The Evidence and What It Means for You
The debate between active and passive investing has decades of data behind it. The evidence is clearer than most active fund managers would like — but there are nuances that matter for internationally mobile investors.
Read article →Wealth ManagementHow Private Bank Discretionary Mandates Work: IPS, Benchmarks, Fees and Disputes
Discretionary investment management is the most common private banking service for HNW clients — but how it actually works is often opaque. We explain investment policy statements, benchmark selection, fee structures, performance reporting, and what to do when things go wrong.
Read article →Wealth ManagementUnderstanding Private Banking: What It Is, Who Qualifies, and Whether It's Worth It
Private banking promises a bespoke, relationship-based financial service for the wealthy. Understanding what it actually delivers, what it costs, and when independent advice is a better choice is essential for HNW international investors.
Read article →Market AnalysisUnderstanding Stock Market Cycles: Bull Markets, Bear Markets, and the Long View
Stock markets move in cycles. Understanding what drives those cycles — and why trying to time them usually destroys value — is fundamental to long-term investment success.
Read article →InvestmentsUnderstanding Structured Products: What They Are and When They Work
Structured products are widely used by institutional and private investors but poorly understood by many retail clients. Here is a clear explanation of what they are and how to evaluate them.
Read article →InvestmentsTotal Return vs Income: Understanding Investment Returns
Many investors instinctively focus on income yield — dividends, interest, coupons. Total return often matters more. Here is why, and how the two approaches can be reconciled.
Read article →Tax PlanningThe UK Tax Year Calendar: Key Dates and Deadlines for Expats
The UK tax year runs from 6 April to 5 April — but the deadlines that matter extend throughout the calendar year. We explain self-assessment, payment on account, overseas income declarations, CGT 60-day rules, and pension contribution deadlines.
Read article →Market AnalysisUS Election Cycles and Investment Markets: What the Evidence Actually Shows
Every US election cycle brings confident predictions about how markets will respond to different outcomes. The historical evidence is more nuanced than the commentary suggests — and has clear implications for globally mobile investors.
Read article →InvestmentsUS Expats and PFIC Rules: The Investment Trap Most Don't Know About
The Passive Foreign Investment Company (PFIC) rules impose punitive tax treatment on US persons who hold non-US funds. For American expats investing abroad, understanding PFIC is not optional — the consequences of getting it wrong are severe.
Read article →Tax PlanningVenture Capital Trusts: Tax Relief, Risk, and What Internationally Mobile Investors Need to Know
Venture Capital Trusts offer 30% upfront income tax relief and tax-free dividends — but invest in very high-risk early-stage companies. Know what you're getting into.
Read article →InvestmentsVenture Debt: What Investors Need to Know
A guide to venture debt for investors: how it complements venture equity, warrant coverage, revenue-based financing, UK lenders, the interaction with EIS-funded companies, and the risk profile compared to traditional lending.
Read article →Wealth ManagementUnderstanding Wealth Management Fees — and How to Negotiate Them
A 1% AUM fee sounds modest — but on a £1m portfolio it's £10,000 a year. Understanding the full cost of wealth management, and getting good value, matters enormously.
Read article →Wealth ManagementManaging Wealth Across Multiple Jurisdictions: A Practical Guide
When your assets span three or more countries, standard financial planning breaks down. Here is how internationally mobile individuals can build a coherent, tax-efficient structure across borders.
Read article →Estate PlanningWhat Happens to My UK Assets When I Die Abroad?
Dying abroad with UK assets creates administrative complexity and potential legal conflicts. Here is how cross-border succession works — and how to structure your affairs to make it simpler.
Read article →Financial PlanningWhy Independent Financial Advice Matters
The word 'independent' in financial services has a specific legal meaning — and most advisers are not independent. Here is why the distinction matters for your financial outcomes.
Read article →Wealth ManagementWhy Most Retail Investors Underperform the Market
The average investor consistently earns less than the funds they hold. The reason is almost always behavioural. Here is what the data shows and how to overcome it.
Read article →Speak to a Global Investments adviser
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