Making Tax Digital (MTD) is one of the biggest changes to the UK tax system in decades, and it will significantly impact self-employed business owners and landlords who own residential property in their personal name. If you currently submit a Self-Assessment tax return once a year, these new rules will change how and when you report income to HMRevenue & Customs (HMRC).

Watchvideo version: https://youtu.be/PK4GckbgmUI

Starting6 April 2026, under the new Making Tax Digitalfor Income Tax (MTD for IT) rules, millions of UK taxpayers must keepdigital records and submit quarterlyupdates using approved accountingsoftware apps listed on the HMRC website. This affects self-employedindividuals and landlords earning above the income threshold from trading orproperty.

Instead of one annual tax return, you’ll submit five - four quarterly updates plus a final declaration each year.This means accurate record-keeping, more frequent reporting, and potentiallyhigher accounting and software costs for small business owners and propertyinvestors.

For many landlords with residential property in their own name,especially those managing multiple rental properties, adopting digital bookkeepingsoftware will be essential. This means switching from spreadsheets or paperrecords to compliant cloud accounting platforms.

HMRC say the aim of MTD is toreduce errors and modernise the UK tax system, but it also means more red tape, admin and planning for millions taxpayers.

Self-employed workers andlandlords should start preparing early to avoid penalties and stay compliant when the rules fully apply.

Landlordsalready hit by Section 24 taxchanges and the Renters Rights Act should seek professional advice and avoidignoring the changes which are coming next month.

Making Tax Digital

Contact DNS - https://www.dnsassociates.co.uk

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 7.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

Landlords DraggedInto Section 24 TAX

As 7 million people set to pay higher rate, 40%, tax thisyear, 16,000 millionaires will leave the UK this year under Rachel Reeves taxpolicies.

Watch video - https://youtu.be/zH1p2uXz4C8

More landlords are being sucked into higher tax bands andpaying more tax due to George Osborne’s ‘Section 24’ tax hike.

If you are a buy-to-let property landlord and help withSection 24, contact: [email protected]

#tax #section24 #landlordtax #higherratetax #MoneyTipsPodcast#MakingTaxDigital #UKLandlords #SelfEmployedUK #PropertyInvesting

Making Tax Digital (MTD) is one of the biggest changes to the UK tax system in decades, and it will significantly impact self-employed businessowners and landlords who own residential property in their personal name. Ifyou currently submit a Self-Assessment tax return once a year, these new ruleswill change how and when you report income to HMRevenue & Customs (HMRC).

Watchvideo version: https://youtu.be/PK4GckbgmUI

Starting6 April 2026, under the new Making Tax Digitalfor Income Tax (MTD for IT) rules, millions of UK taxpayers must keepdigital records and submit quarterlyupdates using approved accountingsoftware apps listed on the HMRC website. This affects self-employedindividuals and landlords earning above the income threshold from trading orproperty.

Instead of one annual tax return, you’ll submit five - four quarterly updates plus a final declaration each year.This means accurate record-keeping, more frequent reporting, and potentiallyhigher accounting and software costs for small business owners and propertyinvestors.

For many landlords with residential property in their own name,especially those managing multiple rental properties, adopting digital bookkeepingsoftware will be essential. This means switching from spreadsheets or paperrecords to compliant cloud accounting platforms.

HMRC say the aim of MTD is toreduce errors and modernise the UK tax system, but it also means more red tape, admin and planning for millions taxpayers.

Self-employed workers andlandlords should start preparing early to avoid penalties and stay compliant when the rules fully apply.

Landlordsalready hit by Section 24 taxchanges and the Renters Rights Act should seek professional advice and avoidignoring the changes which are coming next month.

Making Tax Digital

Contact DNS - https://www.dnsassociates.co.uk

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 7.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

Landlords DraggedInto Section 24 TAX

As 7 million people set to pay higher rate, 40%, tax thisyear, 16,000 millionaires will leave the UK this year under Rachel Reeves taxpolicies.

Watch video - https://youtu.be/zH1p2uXz4C8

More landlords are being sucked into higher tax bands andpaying more tax due to George Osborne’s ‘Section 24’ tax hike.

If you are a buy-to-let property landlord and help withSection 24, contact: [email protected]

#tax #section24 #landlordtax #higherratetax #MoneyTipsPodcast#MakingTaxDigital #UKLandlords #SelfEmployedUK #PropertyInvesting

Stock Markets Tumble as BOMBS DROP on Iran in New Middle East War

Watch video - https://youtu.be/mIMuSm7JoLg

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

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 Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities

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

#warzone #iran #trump #stockmarket #GoldVsSilver #BuyGold#BuySilver #PreciousMetals #InflationHedge #SafeHavenAssets #GoldPrice#SilverPrice #WealthProtection #FinancialUncertainty #MoneyTips#CharlesKellyMoneyTips #property

Stock Markets Tumble as BOMBS DROP on Iran in New Middle East War

Watch video - https://youtu.be/mIMuSm7JoLg

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

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 Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities

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

Home Equity Release Mortgages Explained By Leading Expert With 18 Years Experience

If you’re over 55 and property-rich but cash-poor, home equity release could be an option worth understanding. In the UK, the most common type is a lifetime mortgage.

Watch full video: https://youtu.be/eNmhqQmthNw

Inthis Money Tip’s interview, Equity Release Mortgage expert Darren Cohen, explainsthat a lifetime mortgage allows you to borrow money secured against your homewhile retaining ownership. Unlike a traditional mortgage, you don’t have tomake monthly repayments unless you choose to. Instead, the interest typically“rolls up” and is added to the loan. The balance is repaid when you die or moveinto long-term care, usually from the sale of the property.

There are several types or variations of lifetime mortgages:

1.Roll-up Lifetime Mortgage – The most common option. Nomonthly payments are required; interest compounds over time, which cansignificantly increase the mortgage debt.

2.Interest-Paying Lifetime Mortgage – You pay some or all of themonthly interest to reduce the final balance. Early repayment penaltiestypically apply during the first seven years.

3.Drawdown Lifetime Mortgage – You release funds in stages,meaning you only pay interest on the money actually withdrawn.

Another option is a Retirement Interest-Only (RIO) mortgage. With aRIO, you pay the interest each month, but the capital is repaid when theproperty is sold after death or entry into care. Because you’re servicing theinterest, the debt does not grow. However, you must prove affordability, unlikemost lifetime mortgages.

Thereare a small number of lenders who will grant a fixed term Interest Onlymortgage, subject to affordability. With an Interest Only mortgage or a RIO,your home may be repossessed if you do not keep up repayments.

Equityrelease can provide tax-free cash for supplementing retirement income, homeimprovements, or helping family. But it will reduce the value of your estateand may affect means-tested benefits.

Always seek independent financial advice and choose lenders approved by theEquity Release Council, which offers protections such as the “no negativeequity guarantee.”

Used wisely, equity release can bea powerful retirement and inheritance tax planning tool — but it must beunderstood properly first.

Ifyou are interested in exploring Equity Release, contact Darren Cohen at RightHomes Equity Release Ltd (www.linkedin.com/in/darrenscohen) or email [email protected].

#EquityRelease#LifetimeMortgage #RIOMortgage #UKFinance #RetirementPlanning #Over55Finance#MoneyTips #PropertyWealth #FinancialFreedom #laterlifemortgages

Home Equity Release Mortgages Explained By Leading Expert With 18 Years Experience

If you’re over 55 and property-rich but cash-poor, home equity release could be an option worth understanding. In the UK, the most common type is a lifetime mortgage.

Watch full video: https://youtu.be/eNmhqQmthNw

Inthis Money Tip’s interview, Equity Release Mortgage expert Darren Cohen, explainsthat a lifetime mortgage allows you to borrow money secured against your homewhile retaining ownership. Unlike a traditional mortgage, you don’t have tomake monthly repayments unless you choose to. Instead, the interest typically“rolls up” and is added to the loan. The balance is repaid when you die or moveinto long-term care, usually from the sale of the property.

There are several types or variations of lifetime mortgages:

1.Roll-up Lifetime Mortgage – The most common option. Nomonthly payments are required; interest compounds over time, which cansignificantly increase the mortgage debt.

2.Interest-Paying Lifetime Mortgage – You pay some or all of themonthly interest to reduce the final balance. Early repayment penaltiestypically apply during the first seven years.

3.Drawdown Lifetime Mortgage – You release funds in stages,meaning you only pay interest on the money actually withdrawn.

Another option is a Retirement Interest-Only (RIO) mortgage. With aRIO, you pay the interest each month, but the capital is repaid when theproperty is sold after death or entry into care. Because you’re servicing theinterest, the debt does not grow. However, you must prove affordability, unlikemost lifetime mortgages.

Thereare a small number of lenders who will grant a fixed term Interest Onlymortgage, subject to affordability. With an Interest Only mortgage or a RIO,your home may be repossessed if you do not keep up repayments.

Equityrelease can provide tax-free cash for supplementing retirement income, homeimprovements, or helping family. But it will reduce the value of your estateand may affect means-tested benefits.

Always seek independent financial advice and choose lenders approved by theEquity Release Council, which offers protections such as the “no negativeequity guarantee.”

Used wisely, equity release can bea powerful retirement and inheritance tax planning tool — but it must beunderstood properly first.

Ifyou are interested in exploring Equity Release, contact Darren Cohen at RightHomes Equity Release Ltd (www.linkedin.com/in/darrenscohen) or email [email protected].

#EquityRelease#LifetimeMortgage #RIOMortgage #UKFinance #RetirementPlanning #Over55Finance#MoneyTips #PropertyWealth #FinancialFreedom #laterlifemortgages

Labour has unveiled a bold new Leasehold Reform Bill that proposes capping groundrents at just £250 per year from 2028 and banning new leaseholdsaltogether. The move is designed to tackle one of the most controversial partsof the UK housing market — the expensive and often unfair system of leaseholdproperty ownership that has left thousands of leaseholders burdened withhigh ground rents and excessive service charges.

Watch video version: https://youtu.be/_i46hP5oGTw

Undercurrent arrangements, many leaseholders struggle with spiralling ground rentsthat escalate over time, plus unpredictable service charges. Critics argue thismirrors a feudal system and traps homeowners in long leases that erodethe value of their homes. Labour claims the new bill will make it simpler forleaseholders to transition to commonhold, a form of ownership akin tofreehold where residents collectively own and manage their building.

Labour’sproposals are intended to bring greater fairness and transparency. Byrestricting future ground rents to a nominal £250 and preventing new leaseholdtitles, the bill aims to end the creation of leaseholds and protect futureproperty buyers. More controversially, the legislation encourages — but doesnot fully mandate — existing leaseholders to convert to commonhold. This raisespractical questions about how leaseholders with different lease lengths can allswitch. Critics warn that without compulsory mechanisms and clear valuationrules, many families may still find it difficult or prohibitively expensive tomake the change.

Anotherkey debate centres on how the reforms will affect freeholders’ asset value.Freeholders range from private owners to institutions and estates withsignificant property portfolios. For example, the Duke of Westminster’sestate, which holds high-value freeholds in Mayfair and Belgravia,could see the future value of those assets reduced if new leaseholds can nolonger be created and if conversions proceed without compensation mechanisms.

WillLabour’s Leasehold Reform Bill slash asset values for major freeholders,or will it, like the 2025 Conservative Leasehold Reform Act, simply“paper over the cracks” of a broken system? The effectiveness of the bill willdepend on detailed implementation, protections for existing leaseholders, andthe legal frameworks that govern commonhold conversions. For many leaseholders,hope remains that meaningful reform could finally deliver a fairer propertymarket.

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

#GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips#leaseholdreform#property #commonholdflats #groundrentcap #money #propertyinvestment

Labour has unveiled a bold new Leasehold Reform Bill that proposes capping groundrents at just £250 per year from 2028 and banning new leaseholdsaltogether. The move is designed to tackle one of the most controversial partsof the UK housing market — the expensive and often unfair system of leaseholdproperty ownership that has left thousands of leaseholders burdened withhigh ground rents and excessive service charges.

Watch video version: https://youtu.be/_i46hP5oGTw

Undercurrent arrangements, many leaseholders struggle with spiralling ground rentsthat escalate over time, plus unpredictable service charges. Critics argue thismirrors a feudal system and traps homeowners in long leases that erodethe value of their homes. Labour claims the new bill will make it simpler forleaseholders to transition to commonhold, a form of ownership akin tofreehold where residents collectively own and manage their building.

Labour’sproposals are intended to bring greater fairness and transparency. Byrestricting future ground rents to a nominal £250 and preventing new leaseholdtitles, the bill aims to end the creation of leaseholds and protect futureproperty buyers. More controversially, the legislation encourages — but doesnot fully mandate — existing leaseholders to convert to commonhold. This raisespractical questions about how leaseholders with different lease lengths can allswitch. Critics warn that without compulsory mechanisms and clear valuationrules, many families may still find it difficult or prohibitively expensive tomake the change.

Anotherkey debate centres on how the reforms will affect freeholders’ asset value.Freeholders range from private owners to institutions and estates withsignificant property portfolios. For example, the Duke of Westminster’sestate, which holds high-value freeholds in Mayfair and Belgravia,could see the future value of those assets reduced if new leaseholds can nolonger be created and if conversions proceed without compensation mechanisms.

WillLabour’s Leasehold Reform Bill slash asset values for major freeholders,or will it, like the 2025 Conservative Leasehold Reform Act, simply“paper over the cracks” of a broken system? The effectiveness of the bill willdepend on detailed implementation, protections for existing leaseholders, andthe legal frameworks that govern commonhold conversions. For many leaseholders,hope remains that meaningful reform could finally deliver a fairer propertymarket.

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

#GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips#leaseholdreform#property #commonholdflats #groundrentcap #money #propertyinvestment

Should You Buy Gold or Silver NOW? Most Investors Get This Wrong

Silver has risen by 185%, and Gold by 68%, againstthe Dollar in the last 12 months. Should you join the bandwagon hoping to ridethe crest of the wave?

With inflation, high interest rates, risinggovernment debt and global uncertainty, many investors are once again askingthe key question: should I buy silver or gold now? Both precious metalshave long been viewed as safe-haven assets, but they behave very differentlydepending on economic conditions.

Watch video - https://youtu.be/4A9QzSla6_o

Gold is primarily a store of value. Central banks hold it, governments’trust it, and investors often turn to gold during times of crisis, currencydebasement and geopolitical risk. When confidence in fiat money falls, goldtends to perform well. It is less volatile than silver and often acts as ahedge against inflation and long-term monetary mismanagement.

Silver, on the other hand, has a dual role. It is both a precious metal and anindustrial metal. Silver is heavily used in solar panels, electric vehicles,electronics and medical technology. This means silver can outperform goldduring periods of economic recovery and rising industrial demand. Historically,silver is far more volatile than gold, but that volatility can offer greaterupside potential.

One popular indicator investors watch is the gold-to-silver ratio.When the ratio is high, silver is considered undervalued relative to gold. Atelevated levels, many investors believe silver offers better value and moreupside. When the ratio falls, gold tends to be the safer holding.

FOMO

So should you buy silver or gold now? The answer may be both.Gold provides stability and protection, while silver offers growth potential ifinflation persists and green energy demand accelerates. A balanced allocationcan help diversify risk while positioning you for future monetary and economicshifts.

Don’t get carried away by FOMO– fear of missing out.

Gold and silver should be treated as long term investments and a hedge against inflation and the fallingvalue of fiat currencies due to money printing and excessive borrowing.  If you are looking to make a killing or shortterm gain, be careful. The silver market can be extremely volatile and thisrally could be followed by a fall in the price as investors take profits.

Silver coins are also sold with a significant mark up making short termgains difficult.

As always, consider your time horizon and, risk tolerance and overallportfolio strategy before investing. Take independent financial advice,

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

#GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips

Should You Buy Gold or Silver NOW? Most Investors Get This Wrong

Silver has risen by 185%, and Gold by 68%, againstthe Dollar in the last 12 months. Should you join the bandwagon hoping to ridethe crest of the wave?

With inflation, high interest rates, risinggovernment debt and global uncertainty, many investors are once again askingthe key question: should I buy silver or gold now? Both precious metalshave long been viewed as safe-haven assets, but they behave very differentlydepending on economic conditions.

Watch video - https://youtu.be/4A9QzSla6_o

Gold is primarily a store of value. Central banks hold it, governments’trust it, and investors often turn to gold during times of crisis, currencydebasement and geopolitical risk. When confidence in fiat money falls, goldtends to perform well. It is less volatile than silver and often acts as ahedge against inflation and long-term monetary mismanagement.

Silver, on the other hand, has a dual role. It is both a precious metal and anindustrial metal. Silver is heavily used in solar panels, electric vehicles,electronics and medical technology. This means silver can outperform goldduring periods of economic recovery and rising industrial demand. Historically,silver is far more volatile than gold, but that volatility can offer greaterupside potential.

One popular indicator investors watch is the gold-to-silver ratio.When the ratio is high, silver is considered undervalued relative to gold. Atelevated levels, many investors believe silver offers better value and moreupside. When the ratio falls, gold tends to be the safer holding.

FOMO

So should you buy silver or gold now? The answer may be both.Gold provides stability and protection, while silver offers growth potential ifinflation persists and green energy demand accelerates. A balanced allocationcan help diversify risk while positioning you for future monetary and economicshifts.

Don’t get carried away by FOMO– fear of missing out.

Gold and silver should be treated as long term investments and a hedge against inflation and the fallingvalue of fiat currencies due to money printing and excessive borrowing.  If you are looking to make a killing or shortterm gain, be careful. The silver market can be extremely volatile and thisrally could be followed by a fall in the price as investors take profits.

Silver coins are also sold with a significant mark up making short termgains difficult.

As always, consider your time horizon and, risk tolerance and overallportfolio strategy before investing. Take independent financial advice,

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

#GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge#SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection#FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips

How To ‘Shop Away’ YourMortgage and Save Thousands On Interest And Become Debt Free

Jinesh Vohra, founder of Sprive.com explains how using hisapp while doing your weekly shop can save your thousands of pounds and help youpay your mortgage off years earlier.

Watch video - https://youtu.be/TfC85fdkCvM

House Prices Plunge In London And Stockbroker Belt As Silver And Gold Surge!

Watch video here -  https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-Foa

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 7.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

USE THIS PROMO CODE CHARLES5 gets paid on first shopping (£5towards the mortgage)

#mortgage #housepricesfall #UKPropertyTax #MoneyTips #CharlesKellyPodcast#TaxPlanning #sprive.com #savemoney