Money Tips Daily by Charles Kelly, former IFA and author of

In another blow long suffering UK landlords,Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rentalincome profits in her budget, which will see the tax burden rise to recordlevels. Buy-to-let landlords will pay a tax rate two percentage points higherthan the basic and higher rates of tax from April 2027.

Frozen threshold bands until 2030 means mostof us will pay more tax due to ‘fiscal drag’.

Savers, family businesses and pensioners willalso be hit, whilst the welfare budget heads towards £2 TRILLION.

Watch fullvideo here - https://youtu.be/O38dvXPp22k

There were a raft of hikes including a mansion tax on properties worth morethan £2 million, mileage charge on EVs

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing,increased red tape etc), they still need the estimated 2.8 million private buy-to-letproperty landlords.

See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s

What This Means for You

These tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.

Why Invest in Gold and Silver?

See full video - https://youtu.be/or-8kiTZZxM

See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call.

For a free gold, investment report, and Discovery Call,click here.

https://pure-gold.co/charles-kelly

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 8.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

#UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax#InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips#CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold#silver #moneymanagement

In another blow long suffering UK landlords,Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rentalincome profits in her budget, which will see the tax burden rise to recordlevels. Buy-to-let landlords will pay a tax rate two percentage points higherthan the basic and higher rates of tax from April 2027.

Frozen threshold bands until 2030 means mostof us will pay more tax due to ‘fiscal drag’.

Savers, family businesses and pensioners willalso be hit, whilst the welfare budget heads towards £2 TRILLION.

Watch fullvideo here - https://youtu.be/O38dvXPp22k

There were a raft of hikes including a mansion tax on properties worth morethan £2 million, mileage charge on EVs

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing,increased red tape etc), they still need the estimated 2.8 million private buy-to-letproperty landlords.

See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s

What This Means for You

These tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.

Why Invest in Gold and Silver?

See full video - https://youtu.be/or-8kiTZZxM

See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call.

For a free gold, investment report, and Discovery Call,click here.

https://pure-gold.co/charles-kelly

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 8.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

#UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax#InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips#CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold#silver #moneymanagement

The new Renters Rights Act 2025, which received the Royal Assent on 27 October 2025, gives tenants stronger protections, abolishes Section 21 ‘no-fault’ evictions, and introduces stricter rules on property standardsand rent increases.

Local authorities will have new powers to demand documentary evidence ofcompliance and enter a landlords rented residential accommodation (without a warrantin some cases) within two months of the new Act say the NRLA.

Watch video - ⁠https://youtu.be/L6j4EXV1_Cs⁠

The far reaching Act will introduce: 

·       A standard tenancy for private renting.  

·       A new ‘Decent Homes Standard’ and new rules onresponding to hazards.  

·       New changes to advertising and letting practices.  

·       New limits on when and how much rent can be taken in advance.  

·       The abolition of ‘Section 21’ notices for possession or eviction.  

·       New grounds Section 8 for possession.  

·       New changes to rent increases.  

·       A private rented sector database and Ombudsman landlords will be forced to sign up to.  

·       Further offences and civil penalties forlandlords who don't comply with these rules. 

Other new rulescoming in because of the Act include: 

·       Introduction of 15 new offences that can seelandlords issued with civil penalties. 

·       Increase in the maximum civil penalty fine thatcan be imposed of up to £40,000. 

·       Six new offences that can result in landlordsfacing a rent repayment order. 

·       Increase in the maximum claim period for suchorders, with tenants now able to claim back up to two years of rent paymentsfor breaches. 

When will the Actbe fully implemented?

Housing Minister Matthew Pennycook has previously said that landlords and tenants will be given ‘sufficient notice’, which could be as soon as six to twelve months. The ‘Spare Room’ website said the all the new provisions of this major Act will not be in place until early 2026.  

Key Implementation Dates: 

Investigatory rights for local authorities

From 27th December 2025 

Part 1 – changes include, end of fixed terms and Section 21, new possession grounds

From 1st May 2026

PRS Database and Ombudsman

Late 2026 estimated

Decent Homes Standard

Date to be confirmed

Here are 5 things landlords can do to survive the Renters Rights Act:

Is the buy-to-let rental property sector dead?

Wounded by successive ‘landlord bashing’ governments, but NOT dead! The Renters Rights Act may be challenging, but proactive, informed landlords can still prosper by adjusting early and managing smarter.

Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (⁠Section 24⁠, licensing,increased red tape etc), they still need the 2.8 million private buy-to-letproperty landlords.

See interview with Chartered Accountant and Tax Specialist - ⁠https://youtu.be/aMuGs_ek17s⁠

See:

⁠Brace Yourself: 5 Tax Hikes Coming in theUK Budget 2025⁠

These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.

Watch full video - ⁠https://youtu.be/jITL4nOmBEo⁠

If you are stuck in the Section 24 trap and needprofessional advice, email ⁠[email protected]⁠

#RentersRightsBill

The new Renters Rights Act 2025, which received the Royal Assent on27 October 2025, gives tenants stronger protections, abolishes Section 21‘no-fault’ evictions, and introduces stricter rules on property standardsand rent increases.

Local authorities will have new powers to demand documentary evidence ofcompliance and enter a landlords rented residential accommodation (without a warrantin some cases) within two months of the new Act say the NRLA.

Watch video - https://youtu.be/L6j4EXV1_Cs

The far reaching Act will introduce: 

·       A standard tenancy for private renting.  

·       A new ‘Decent Homes Standard’ and new rules onresponding to hazards.  

·       New changes to advertising and letting practices.  

·       New limits on when and how much rent can be taken in advance.  

·       The abolition of ‘Section 21’ notices for possession or eviction.  

·       New grounds Section 8 for possession.  

·       New changes to rent increases.  

·       A private rented sector database and Ombudsman landlords will be forced to sign up to.  

·       Further offences and civil penalties forlandlords who don't comply with these rules. 

Other new rulescoming in because of the Act include: 

·       Introduction of 15 new offences that can seelandlords issued with civil penalties. 

·       Increase in the maximum civil penalty fine thatcan be imposed of up to £40,000. 

·       Six new offences that can result in landlordsfacing a rent repayment order. 

·       Increase in the maximum claim period for suchorders, with tenants now able to claim back up to two years of rent paymentsfor breaches. 

When will the Actbe fully implemented?

Housing Minister Matthew Pennycook has previously said that landlords and tenants will be given ‘sufficient notice’, which could be as soon as six to twelve months. The ‘Spare Room’ website said the all the new provisions of this major Act will not be in place until early 2026.  

Key Implementation Dates: 

Investigatory rights for local authorities

From 27th December 2025 

Part 1 – changes include, end of fixed terms and Section 21, new possession grounds

From 1st May 2026

PRS Database and Ombudsman

Late 2026 estimated

Decent Homes Standard

Date to be confirmed

Here are 5 things landlords can do to survive the Renters Rights Act:

Is the buy-to-let rental property sector dead?

Wounded by successive ‘landlord bashing’ governments, but NOT dead! The Renters Rights Act may be challenging, but proactive, informed landlords can still prosper by adjusting early and managing smarter.

Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing,increased red tape etc), they still need the 2.8 million private buy-to-letproperty landlords.

See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s

See:

Brace Yourself: 5 Tax Hikes Coming in theUK Budget 2025

These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.

Watch full video - https://youtu.be/jITL4nOmBEo

If you are stuck in the Section 24 trap and needprofessional advice, email [email protected]

#RentersRightsBill

As Chancellor Rachel Reeves prepares to unveil the November 2025 UK Budget, all eyes are on her to plug a fiscal black hole of £20–30 billion through tax rises and spending cuts. (Reuters)Despite Labour’s manifesto pledges not to increase income tax, NationalInsurance (NI), or VAT, Reeves has already hinted that taxes on thewealthy will “be part of the story.” (TheGuardian) The Institute for Fiscal Studies warns against a “dash forrevenue,” urging her to use smart, targeted reforms. (TheGuardian).

Below are 5 likely tax rises she might deploy:

What This Means for You

These tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.

Watch full video - https://youtu.be/jITL4nOmBEo

The Chancellor could also tinker with pension allowances and the taxfree cash element of pension pots, which would be disastrous for savers approachingretirement age.

Watch our upcoming episode on the Charles Kelly Money Tips Podcastwhere I break down each tax move, what it means for you, and how to legally protectyour wealth.

Why Invest in Gold and Silver?

See full video - https://youtu.be/or-8kiTZZxM

See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call.

For a free gold, investment report, and Discovery Call,click here.

https://pure-gold.co/charles-kelly

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 8.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

#UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax#InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips#CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold#silver #moneymanagement

As Chancellor Rachel Reeves prepares to unveil the November 2025 UK Budget, all eyes are on her to plug a fiscal black hole of £20–30 billion through tax rises and spending cuts. (Reuters)Despite Labour’s manifesto pledges not to increase income tax, NationalInsurance (NI), or VAT, Reeves has already hinted that taxes on thewealthy will “be part of the story.” (TheGuardian) The Institute for Fiscal Studies warns against a “dash forrevenue,” urging her to use smart, targeted reforms. (TheGuardian).

Below are 5 likely tax rises she might deploy:

What This Means for You

These tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.

Watch full video - https://youtu.be/jITL4nOmBEo

The Chancellor could also tinker with pension allowances and the taxfree cash element of pension pots, which would be disastrous for savers approachingretirement age.

Watch our upcoming episode on the Charles Kelly Money Tips Podcastwhere I break down each tax move, what it means for you, and how to legally protectyour wealth.

Why Invest in Gold and Silver?

See full video - https://youtu.be/or-8kiTZZxM

See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call.

For a free gold, investment report, and Discovery Call,click here.

https://pure-gold.co/charles-kelly

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 8.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

#UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax#InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips#CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold#silver #moneymanagement

The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors.Historically, the ratio averages around 60:1, meaning gold typicallytrades at about 60 times the price of silver. Today, however, the ratio hassurged above 85:1, signalling that silver may be undervaluedcompared to gold.

Watch video now - https://youtu.be/Z7ZWbCrvyuI?si=FUvGxBrMtcmRTbf7

This imbalance often creates opportunities. When the ratio is this high,savvy investors see it as a buy signal for silver, expecting the gap toclose over time — either through silver rising in price, gold falling, or bothadjusting.

Silver also has strong industrial demand — it’s used in solarpanels, electric vehicles, electronics, and medical tech — all sectorsexpected to expand in the coming decade. Combine that with limited new minesupply and rising investment interest, and silver looks like a compellinglong-term play.

While gold remains the ultimate safe-haven asset, silver offers more upsidepotential during economic recoveries or inflationary periods.

If you’ve been considering diversifying into precious metals, now couldbe the perfect time to accumulate silver while it remains cheap relativeto gold.

Always consult your financial adviser before making investmentdecisions.

Why Invest in Gold and Silver?

See full video - https://youtu.be/or-8kiTZZxM

See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call.

For a free gold, investment report, and Discovery Call,click here.

https://pure-gold.co/charles-kelly

Where to find me:

Money Tips website:https://moneytipsdaily.com/

YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg

Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities

LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2

#SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals#SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection#MoneyTipsPodcast #CharlesKelly  

The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors.Historically, the ratio averages around 60:1, meaning gold typicallytrades at about 60 times the price of silver. Today, however, the ratio hassurged above 85:1, signalling that silver may be undervaluedcompared to gold.

Watch video now - https://youtu.be/Z7ZWbCrvyuI?si=FUvGxBrMtcmRTbf7

This imbalance often creates opportunities. When the ratio is this high,savvy investors see it as a buy signal for silver, expecting the gap toclose over time — either through silver rising in price, gold falling, or bothadjusting.

Silver also has strong industrial demand — it’s used in solarpanels, electric vehicles, electronics, and medical tech — all sectorsexpected to expand in the coming decade. Combine that with limited new minesupply and rising investment interest, and silver looks like a compellinglong-term play.

While gold remains the ultimate safe-haven asset, silver offers more upsidepotential during economic recoveries or inflationary periods.

If you’ve been considering diversifying into precious metals, now couldbe the perfect time to accumulate silver while it remains cheap relativeto gold.

Always consult your financial adviser before making investmentdecisions.

Why Invest in Gold and Silver?

See full video - https://youtu.be/or-8kiTZZxM

See my interview with Josh Saul, gold expert, discussing the merits ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor a free gold, investment report, and discovery call.

For a free gold, investment report, and Discovery Call,click here.

https://pure-gold.co/charles-kelly

Where to find me:

Money Tips website:https://moneytipsdaily.com/

YouTube Channel:https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg

Money TipsFacebook Community: https://www.facebook.com/groups/No1businessopportunities

LinkedIn:www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2

#SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals#SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection#MoneyTipsPodcast #CharlesKelly  

The Conservative Party leader Kemi Badenoch surprised her part conference byannouncing a bold pledge: to abolishStamp Duty on residential property purchases.

For decades, Stamp Duty has been one of the biggest frustrationsfor buyers in the UK housing market. Whether you’re a first-time buyer scrapingtogether a deposit, or a property investor looking to expand, Stamp Duty hasalways added thousands to the cost of moving.

Watch video https://youtu.be/OHdOUeZ9zRg

TheConservatives argue that scrapping it will:

Make housing more affordable for families
Encourage mobility in the market
Stimulate property transactions and economic growth

Butcritics warn that it could push up houseprices, as buyers with extra cash bid higher, and may not solvethe deeper issues of affordability. For landlords and second-home buyers, itcould be a major tax saving — but will it mean more competition for first-timebuyers?

From a UK perspective, thispromise could reshape the housing market. If delivered, it would mark one ofthe most significant changes to property taxation in decades.

Thepolicy does not include the Stamp Duty Surcharge on second and buy-to-letproperties, introduced by the thenConservative Chancellor George Osbourne, who also brought in the Section 24 ‘landlord tax’.

Whilstthe Conservatives are lagging in the polls, and would still have to win thenext general election in three or four years’ time, the shock announcementcould prompt Labour to adopt the plan to revive the flagging housing market aswell as reversing Sir Kier Starmer’s declining popularity.

In today’s MoneyTips Podcast, I’ll break down:

·       Who benefits most from this pledge

·       What it could mean for homeowners, landlords, and investors

·       And whether this is a genuine fix, or just another electionheadline

Watch now to find out how thispromise could impact your finances.

See also:

Labour’s Coming forYour House? Rachel Reeves’ Shocking Tax Plan!

https://youtu.be/h8zYPlicIAU

Is this the righttime to buy?

Watch full video: https://youtu.be/72J6Bo0sG2Q

See also:

Property or Stocks – Which Is The Best Investment For You?

 “Should I invest in property orthe stock market?”

Watch video - https://youtu.be/M6kWFPs8HPw

Learn more aboutproperty investing in this free webinar:

https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 8.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

#StampDuty #UKProperty #Conservatives #UKHousingMarket#MoneyTipsPodcast #PropertyInvestmentUK #FinancialFreedomUK #CharlesKelly#PropertyTax #UKFinance

The Conservative Party leader Kemi Badenoch surprised her part conference byannouncing a bold pledge: to abolishStamp Duty on residential property purchases.

For decades, Stamp Duty has been one of the biggest frustrationsfor buyers in the UK housing market. Whether you’re a first-time buyer scrapingtogether a deposit, or a property investor looking to expand, Stamp Duty hasalways added thousands to the cost of moving.

Watch video - https://youtu.be/HkatdJ4Cryo

TheConservatives argue that scrapping it will:

Make housing more affordable for families
Encourage mobility in the market
Stimulate property transactions and economic growth

Butcritics warn that it could push up houseprices, as buyers with extra cash bid higher, and may not solvethe deeper issues of affordability. For landlords and second-home buyers, itcould be a major tax saving — but will it mean more competition for first-timebuyers?

From a UK perspective, thispromise could reshape the housing market. If delivered, it would mark one ofthe most significant changes to property taxation in decades.

Thepolicy does not include the Stamp Duty Surcharge on second and buy-to-letproperties, introduced by the thenConservative Chancellor George Osbourne, who also brought in the Section 24 ‘landlord tax’.

Whilstthe Conservatives are lagging in the polls, and would still have to win thenext general election in three or four years’ time, the shock announcementcould prompt Labour to adopt the plan to revive the flagging housing market aswell as reversing Sir Kier Starmer’s declining popularity.

In today’s MoneyTips Podcast, I’ll break down:

·       Who benefits most from this pledge

·       What it could mean for homeowners, landlords, and investors

·       And whether this is a genuine fix, or just another electionheadline

Watch now to find out how thispromise could impact your finances.

See also:

Labour’s Coming forYour House? Rachel Reeves’ Shocking Tax Plan!

https://youtu.be/h8zYPlicIAU

Is this the righttime to buy?

Watch full video: https://youtu.be/72J6Bo0sG2Q

See also:

Property or Stocks – Which Is The Best Investment For You?

 “Should I invest in property orthe stock market?”

Watch video - https://youtu.be/M6kWFPs8HPw

Learn more aboutproperty investing in this free webinar:

https://events.progressiveproperty.co.uk/pre-msopi/?utm_medium=In%20House&utm_leadSource=Ambassador&utm_leadSubSource=AMB0427&utm_firstLeadSource=Ambassador&utm_firstSubSource=AMB0427&utm_referrer=JH

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 8.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

#StampDuty #UKProperty #Conservatives #UKHousingMarket#MoneyTipsPodcast #PropertyInvestmentUK #FinancialFreedomUK #CharlesKelly#PropertyTax #UKFinance