Tag Archives: independent financial adviser

Worth Every Penny – Wolverhampton property

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Undervalued Wolverhampton: strong yields with growing demand

UK property remains a steady long-term investment and I have a new development I want to share with you.

Let me introduce Penny Place, in the heart of Wolverhampton.

For investors seeking strong yields, genuine growth potential, and an affordable entry point, Wolverhampton deserves serious consideration.

Remember, we do the research into the best places to invest in UK property, so you don’t need to. You can buy with confidence, knowing you are creating a future income.

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UK Spring Statement March 2026 – a summary for GCC residents

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For those of us in the Middle East our thoughts are understandably on issues closer to our current homes at this time but this still has relevance to UK nationals and those with assets in the UK.

Chancellor of the Exchequer, the RT Hon Rachel Reeves, has shared her update on the UK economy – the Spring Statement. This is not a Budget, but an update, a forecast statement.

It covers the latest estimates for growth, unemployment, inflation, government spending and income from taxation has been published by The Office for Budget Responsibility.

Think of if as a bit of report card and some qualified predictions.

Following every Budget or Statement, I write an article to give you a concise overview of some of the main points, with particular reference to any changes that have major relevance to those living outside of the UK, and especially in the GCC. Quick, easy to follow, and informative

The UK press will cover many points in detail but much of it will not be directly relevant to expats so i alsoway write someitnung for us, although this has little of direct relevane to non-residents.

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UK Budget November 2025 – a summary for GCC expats

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Here we go again! This is a widely-anticipated Budget following weeks of media speculation.

I think we are all a bit fed up of the “leaks” and media briefings that are the hallmark of all Budgets in the past few years. It is also very unprofessional that The Office for Budget Responsibility (OBR) unexpectedly published its growth forecast ahead of the Chancellor’s statement. This contains market sensitive information so let’s hope there is an enquiry and action

The UK media frenzy and contact conjecture really helps no one.  A little more decorum all round might be nice.

Following every Budget or Statement, I write an article to give you a concise overview of some of the main points, with particular reference to any changes that have major relevance to those living outside of the UK, and especially in the GCC.

The UK press will cover many points in detail but much of it will not be directly relevant to expats, to people who are no longer tax resident in the UK, so my summaries focus on the points that will be most relevant to us.

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A compelling investment opportunity for experienced investors

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I am have an interesting investment opportunity that I am offering to select clients. This is not for everyone but if you want something a bit different, it could be for you…

Please contact me for details and  I will send you a fact sheet with a good overview.

Get in touch! Click on this link to send me an email: keren@holbornassets.com or use this contact form.

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7 Retirement planning mistakes that could cost you thousands

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We all know that we need to plan for our future but few of us want to contemplate getting older so it is easy to keep putting off the topic. The fact is that planning for retirement is one of the most important financial steps you’ll ever take. Despite good intentions, many people fall into common traps that can delay or even totally derail their retirement goals.

These mistakes may seem small now, but over time, they could cost you a huge amount of money; tens or even hundreds of thousands of pounds or dollars.

Here are 7 retirement planning mistakes you should avoid, with action points.

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Invest in Blackpool – the Vegas of the North of England!

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What if I told you that you can invest in property right next door to Blackpool Tower? The apartments are priced at an amazing price, from £129,995, rental yields are high, and short-term lets are permitted. Interested?

UPDATE 25/07/25 – SOLD OUT  Every unit has now been reserved but do ask about other opportunties. 

This is an opportunity to invest in property in Blackpool at a great price. According to the experts, the north west of England is one of the best areas to invest in UK property. This attractive and historic building will be totally renovated to the highest standards and you have a chance to get in now.

The fact is that Blackpool is a popular holiday destination for people across the UK. The wide golden sands and fun vibe draws people in and it has visitors year-round. Its popularity has never really waned.

EDIT 23/04/25  – this info was shared pre-launch and you can actually start with a deposit of just 5%!
I have limited advance units starting at £134,995 which means your 5% deposit is only £6,750. And you then pay £1,350 each month which is AED 6,580.

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UK property – limited offer. Invest with a deposit of just 10%!

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Investing in UK property can be simpler than you might imagine, and need less cash than you might think. I have a new, limited, option, at low prices.

It is clear that UK property remains one of the strongest asset classes for building serious wealth and enhancing your long-term savings and retirement plans.

Factors including the weak Pound, a robust legal system, demand far exceeding supply, and rising property and rental prices, along with ongoing infrastructure improvements in major cities and commuter towns demonstrate this.

Add in the growing population and you can see that this situation will not change, even with government support, as builders cannot keep up.

This shows that investing in UK property is a secure long-term investment – provided you get it right. That’s where I come in.

Not only can I advise on the best places to buy as an investment, I have the solutions and even a way of buying with a small deposit. While you usually need at least 25% of the purchase price, you can get started with much less.

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Critical illness insurance – two short videos to explain why you need it

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I have written about critcal illness cover many times and I am a big believer is protecting yourself as as you never know what is around the corner.

Being seriously ill, whether you get cancer, have a heart attack or a stroke, or one of the many other illnesses covered, can financially derail your life, your plans, and lead to  major difficulties in supporting your family.

In this article i just want to give you some facts and general information in visual form.

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Need to know: UK Property Taxes

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This article is designed to be a brief guide to the taxes that apply to UK property, all in one place.  This is written for the benefit of non-residents of the UK.

There are various taxes that apply with in relation to the ownership of UK property and an overview of each of the main ones is set out below.

I have covered this topic previously but it is time for an update as various rules have changed over the past few years.

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Moving from the UAE to the UK? You need a financial exit plan.

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When you relocate from one country to another there is a great deal you need to think about. This includes the practical problems of shipping your possessions, finding a place to live, finding new schools for children, new employment and so on.

No doubt you will have lists of things to do but one area that is often overlooked is the financial side. It may not be exciting but you need to be aware of these issues to avoid any nasty surprise tax bills, especially in respect of UAE income or offshore investments.

Getting it right will save you money. Getting it wrong can be expensive.

I provide an exit planning service for people relocating to the UK and this professional service, with a personalised advice and a written report you can refer back to, can save you both money and headaches.

I also offer an advisory service for people moving to the UAE from the UK that covers steps you need to take regarding banks and HMRC, letting out a property, taxation, what to do about your investments and pensions, the local laws and rules, issues about inheritance and protecting assets when in the UAE, and a wide range of general information gained from 18 years of living here.

This updated article is about some of the topics that you need to consider when you leave the UAE to move to the UK:

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