James Evans FS Newsletter
About JEFS
Since opening our doors in 2008, James Evans Financial Services has grown into a trusted name for clients looking for smart, flexible financing. Whether it’s property, assets, or investments. Over the years, we’ve arranged thousands of deals across the UK, Europe, and the US, and we’re proud to have built lasting relationships based on trust, expertise, and results.
Our work spans everything from high-value property finance and asset funding to more specialist areas like lending against listed stocks and select cryptocurrencies. It’s a diverse world, and we thrive on finding solutions that fit each client’s unique circumstances. We believe good service should feel personal. That’s why every client works with a dedicated account manager from start to finish, ensuring clarity, speed, and confidence at every step.
The End of 2025!
As we wrap up another busy and rewarding year at James Evans FS, we want to extend our heartfelt thanks to all our clients, partners, and colleagues. Your continued trust and support have been the driving force behind everything we do, and we’re truly grateful. This festive season gives us the perfect moment to pause and appreciate the relationships we’ve built and the milestones we’ve achieved together in 2025.
Looking forward to 2026
Looking ahead to 2026, we’re excited for the opportunities the new year will bring. We remain committed to providing trusted guidance, dedicated service, and financial solutions tailored to your needs. Thank you once again for being part of our journey, here’s to a joyful Christmas, a restful holiday season, and a prosperous year to come!
Trending
- Mansion Tax
- Higher Tax on rental income
- Joint Borrower, Sole Proprietor with Split Terms
- Lifetime Mortgages
- 2026
New Mansion Tax
A new “mansion tax” is coming in 2028 for properties valued above £2 million. It’s an extra yearly charge added to council tax, starting from £2,500 and rising for more expensive homes. This won’t impact the majority of buyers, but it’s important for anyone considering a high-value purchase.
Higher Tax on rental income
From April 2027, rental income tax will rise by two percentage points to 22%, 42% and 47% for basic, higher and additional-rate taxpayers. This will reduce net returns for many landlords and may, over time, influence rental prices and the number of properties available in the private rented sector.
Newbury Building Society - Joint Borrower, Sole Proprietor with Split Terms
Newbury BS offers a Joint Borrower, Sole Proprietor mortgage with a rare advantage: split terms. This means a younger borrower can take a longer mortgage term while an older supporting applicant can have a shorter one. For example, a parent helping with affordability could take a 12-year term while their child takes a 35-year term, with the parent coming off the mortgage once their shorter term ends. This provides flexibility without restricting the overall term to the older applicant’s retirement age.
A smarter way to reduce inheritance tax — without selling your home
For many high net worth and ultra-high net worth families, inheritance tax is simply accepted as inevitable. Yet there is a little-discussed strategy that can significantly reduce IHT — without downsizing, selling assets, or giving up control of your home. The idea is simple: use property wealth to reduce inheritance tax, From around age 70 onwards, homeowners typically unlock far greater flexibility, making this approach increasingly attractive when combined with good health and the right advice.
Used thoughtfully, this strategy can reduce the future IHT bill immediately, allow support for children or grandchildren during their lifetime, preserve important family homes, and avoid disruptive asset sales — all while retaining full control. So why do so many families miss it? Because equity release is often misunderstood. It isn’t just a retirement product — at the right stage of life, it can be a powerful planning tool for wealthy families. Timing, health, and advice make all the difference.
2026 Market Analysis
Barclays have shared some market research for 2026. It is indicateed that from January to June 2026, residential mortgages worth £152.2 billion (a 25% increase from 2025) will reach the end of their term.
Additionally, buy-to-let agreements valued at £25.2 billion (a 22% increase from 2025) are also set to mature during this period.
Rates across the Market
Rates are subject to change in line with market fluctuations and depend on your LTV size.
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