Personal Tax Updates - Autumn Budget 2025
English Version
Major Personal Tax Changes Announced by HMRC
The Autumn Budget 2025 brings significant changes to personal taxation that will affect millions of taxpayers across the UK. Understanding these changes is crucial for effective tax planning and protecting your wealth.
The Impact:
This three-year extension (until 2030-31) means "fiscal drag" will pull approximately 1 million more people into paying tax. With the state pension currently at £12,000 and rising, it's creeping dangerously close to the basic rate band.
What this means for you: Even without a pay rise, you'll be paying more tax each year as inflation erodes the value of these frozen thresholds.
The government is tackling the disparity between earned and unearned income with targeted rate increases:
Property Income (from 6 April 2027):
Savings Income (from 6 April 2027):
Dividend Income (from 6 April 2026):
From April 2027, your personal allowance will be deducted against employment, trading, or pension income first, before being applied to property, savings, or dividend income. This change ensures those with higher-taxed income types pay more.
From 6 April 2027:
From 2025-26:
Thresholds frozen until 2031:
Voluntary Contributions Changes (from 6 April 2026):
From April 2029:
Important note: The OBR estimates employers will pass on 76% of increased NIC costs to employees through reduced future pension contributions or lower salaries.
From 6 April 2026:
The new residence-based regime (replacing domicile) continues with technical amendments to ensure it operates as intended, including:
Charities continue to receive Gift Aid at the main basic rate (20%), and donors remain entitled to relief at main higher (40%) and additional (45%) rates.
From April 2028: A new annual charge on property owners (not occupiers) for homes valued at £2m+:
This is in addition to existing council tax and will be based on 2026 valuations by the Valuation Office.
From 6 April 2026:
From 6 April 2026: Income tax and NIC exemptions extended to cover employee reimbursements for:
From 6 April 2027: Image rights payments related to employment will be treated as earnings and subject to both income tax and Class 1 NICs (particularly affecting professional sportspersons).
From 6 April 2026: The maximum proportion of earnings an employer can exclude from PAYE through a Globally Mobile Employee notification is limited to 30% (to align with Overseas Workday Relief limits under the FIG regime).
Don't Let These Changes Catch You Off Guard - TTAM Ltd Can Help
With these sweeping changes to personal taxation, proactive planning has never been more important. At TTAM Ltd, we specialize in helping individuals and families navigate complex tax landscapes while maximizing legitimate tax efficiencies.
How TTAM Ltd Can Protect Your Wealth:
✅ Comprehensive Tax Planning - We'll analyze how these changes affect your specific situation ✅ ISA Optimization - Make the most of your allowances before they change ✅ Pension Strategy - Navigate the new salary sacrifice rules effectively ✅ Property Income Planning - Prepare for the 2027 rate increases ✅ Dividend Planning - Restructure investments ahead of 2026 changes ✅ NIC Optimization - Ensure you're not paying more than necessary ✅ Residence Planning - Expert advice on the new residence-based regime
Why Choose TTAM Ltd?
🎯 Personalized Service - We treat every client as an individual, not a number 🎯 Proactive Advice - We anticipate changes and plan ahead 🎯 Clear Communication - No jargon, just straightforward guidance 🎯 Cost-Effective Solutions - Smart planning that pays for itself 🎯 Year-Round Support - We're here whenever you need us
The Cost of Inaction is Higher Than Ever
With tax thresholds frozen and rates increasing across property, savings, and dividend income, doing nothing means paying thousands more in tax over the coming years. A basic rate taxpayer will pay almost £1,000 more per year by 2030-31, while higher rate taxpayers will pay £5,000 more - and that's before any pay increases!
Don't wait until January to think about your taxes.
Contact TTAM Ltd Today:
📧 Email: info@ttamltd.co.uk
📞 Phone: [Your Phone Number]
🌐 Website: www.ttamltd.co.uk
📍 Office: [Your Address]
Schedule your free initial consultation today and discover how much you could save.
TTAM Ltd - Smart Tax Planning for Your Secure Future
Personal Tax Updates - Autumn Budget 2025
English Version
Major Personal Tax Changes Announced by HMRC
The Autumn Budget 2025 brings significant changes to personal taxation that will affect millions of taxpayers across the UK. Understanding these changes is crucial for effective tax planning and protecting your wealth.
The Impact:
This three-year extension (until 2030-31) means "fiscal drag" will pull approximately 1 million more people into paying tax. With the state pension currently at £12,000 and rising, it's creeping dangerously close to the basic rate band.
What this means for you: Even without a pay rise, you'll be paying more tax each year as inflation erodes the value of these frozen thresholds.
The government is tackling the disparity between earned and unearned income with targeted rate increases:
Property Income (from 6 April 2027):
Savings Income (from 6 April 2027):
Dividend Income (from 6 April 2026):
From April 2027, your personal allowance will be deducted against employment, trading, or pension income first, before being applied to property, savings, or dividend income. This change ensures those with higher-taxed income types pay more.
From 6 April 2027:
From 2025-26:
Thresholds frozen until 2031:
Voluntary Contributions Changes (from 6 April 2026):
From April 2029:
Important note: The OBR estimates employers will pass on 76% of increased NIC costs to employees through reduced future pension contributions or lower salaries.
From 6 April 2026:
The new residence-based regime (replacing domicile) continues with technical amendments to ensure it operates as intended, including:
Charities continue to receive Gift Aid at the main basic rate (20%), and donors remain entitled to relief at main higher (40%) and additional (45%) rates.
From April 2028: A new annual charge on property owners (not occupiers) for homes valued at £2m+:
This is in addition to existing council tax and will be based on 2026 valuations by the Valuation Office.
From 6 April 2026:
From 6 April 2026: Income tax and NIC exemptions extended to cover employee reimbursements for:
From 6 April 2027: Image rights payments related to employment will be treated as earnings and subject to both income tax and Class 1 NICs (particularly affecting professional sportspersons).
From 6 April 2026: The maximum proportion of earnings an employer can exclude from PAYE through a Globally Mobile Employee notification is limited to 30% (to align with Overseas Workday Relief limits under the FIG regime).
Don't Let These Changes Catch You Off Guard - TTAM Ltd Can Help
With these sweeping changes to personal taxation, proactive planning has never been more important. At TTAM Ltd, we specialize in helping individuals and families navigate complex tax landscapes while maximizing legitimate tax efficiencies.
How TTAM Ltd Can Protect Your Wealth:
✅ Comprehensive Tax Planning - We'll analyze how these changes affect your specific situation ✅ ISA Optimization - Make the most of your allowances before they change ✅ Pension Strategy - Navigate the new salary sacrifice rules effectively ✅ Property Income Planning - Prepare for the 2027 rate increases ✅ Dividend Planning - Restructure investments ahead of 2026 changes ✅ NIC Optimization - Ensure you're not paying more than necessary ✅ Residence Planning - Expert advice on the new residence-based regime
Why Choose TTAM Ltd?
🎯 Personalized Service - We treat every client as an individual, not a number 🎯 Proactive Advice - We anticipate changes and plan ahead 🎯 Clear Communication - No jargon, just straightforward guidance 🎯 Cost-Effective Solutions - Smart planning that pays for itself 🎯 Year-Round Support - We're here whenever you need us
The Cost of Inaction is Higher Than Ever
With tax thresholds frozen and rates increasing across property, savings, and dividend income, doing nothing means paying thousands more in tax over the coming years. A basic rate taxpayer will pay almost £1,000 more per year by 2030-31, while higher rate taxpayers will pay £5,000 more - and that's before any pay increases!
Don't wait until January to think about your taxes.
Contact TTAM Ltd Today:
📧 Email: info@ttamltd.co.uk
📞 Phone: [Your Phone Number]
🌐 Website: www.ttamltd.co.uk
📍 Office: [Your Address]
Schedule your free initial consultation today and discover how much you could save.
TTAM Ltd - Smart Tax Planning for Your Secure Future