How will the Autumn 2025 budget affect you?
On November 26, Chancellor Rachel Reeves will present one of the most anticipated Budgets in recent years. Concerns are rising over expected tax hikes, frozen tax bands, reduced pension perks and significant changes to how property is taxed. With a fiscal gap of nearly thirty billion pounds and pressure from high inflation, many households and investors could face higher costs.
Here is a full breakdown of what could be coming and why now is the time to prepare.
What’s On The Government’s Tax Agenda?
Recent signals from the Treasury, combined with rising economic pressure, suggest several significant changes may be announced.
- Income Tax threshold freeze likely extended to 2030, quietly pulling more people into higher tax bands.
- Clampdown on pension perks, including a potential £2000 limit on how much salary can be put into a pension through salary sacrifice
- Mansion tax style measures, meaning extra council tax charges for homes above £1,500,000 or a yearly tax on properties valued above £2,000,000.
- National property tax on sales above £500,000, with the cost moving from buyers to sellers and increasing the expense for homeowners looking to sell.
- NI charges on landlord rental income, adding extra pressure on landlords already hit by recent regulations and tax changes.
- Cash ISA allowance cut to £12,000, reducing tax free saving space and increasing tax exposure for savers.
What You Need To Know Before Moving a Large Sum of Money
The biggest financial risk of the Autumn Budget is not just higher taxes. It’s the timing. When governments announce major changes, currency markets often react immediately. Sterling can fall sharply within minutes and stay unpredictable for days or even weeks.
If you need to move money overseas for a property purchase, an investment transfer, business payments or any high value personal transaction, waiting until after November 26 could leave you with less than you planned for.
How Can You Protect Yourself From Budget Day Volatility?
Budget announcements often trigger immediate swings in the value of Sterling. A single policy shift can push the market in the wrong direction, reducing the return on a large transfer in seconds.
Securing your rate before November 26th is the safest option. It gives you complete clarity over what you will pay at a time when markets can shift without warning.
For example, if you are buying a property abroad and need to convert from GBP, even a small percentage move in the exchange rate can change your total cost by thousands of pounds.
Locking in your rate removes that risk and lets you plan with confidence, knowing exactly what you need to pay to achieve the amount required.
Using a Forward Contract to Lock In Your Rate
There is a way to protect yourself from the volatility that could hit during the Autumn Budget. A forward contract allows you to secure today’s exchange rate for a transfer you plan to make in the future.
This means that even if the pound drops after the Budget, your rate does not. You are protected from volatility, unexpected announcements and market panic. It is one of the most effective tools for anyone moving large sums of money abroad.
We can lock in a forward contract for you now with just a 10% deposit and you can draw down the full amount anytime within 12 months, giving your transfer complete protection ahead of the Autumn Budget.
Staying Ahead Of The Budget Announcement
The Autumn Budget is unpredictable. Exchange rates are unpredictable. The combination poses real risk to anyone moving money across borders.
Regency FX helps clients secure stronger rates now, lock in value ahead of market swings and avoid the financial damage that can follow major government announcements.
Most major transfers can be completed the same day. No hidden fees. No uncertainty. Just more money staying in your pocket rather than being lost to the markets.
Don’t wait. Contact us now.
Or to find out our latest rates, click below.
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Want to Learn More?
- We have created a selection of Free PDF Guides for you to download covering many aspects of buying property abroad, visit our PDF Guides Page today or download our "Buying A Property in France" Guide PDF document.
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- At Clé France / Regency FX, many of our customers have a need for currency exchange.
- We are pleased to offer our customers favourable exchange rates on international currency transfers.
- As a Clé France website visitor, you qualify for preferential exchange rates when you transact through Regency FX.
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How to Save Money on your foreign currency transfers
- Regency FX can save you money by offering more competitive rates of exchange than your bank.
- Clients can typically save you 3-4% of the total transaction value, which can result in significant cost savings.
- All client funds are held in segregated accounts with top-tier banks keeping your money safe and secure.
- Cle France has partnered with Regency FX, a trusted and fully safeguarded currency exchange provider, to bring you even better service and exclusive benefits when transferring money internationally.
For everything you need to know about French property visit www.clefrance.co.uk
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