Blog

Buy-to-Let Update
Mar 31/03/2016

As financial advisers we are often asked to comment on whether potential investors should buy a property to let or invest money into investment markets. Whether you decide to invest your money in an investment portfolio (other terms include: collectives, unit trusts, bonds, discretionary managed portfolio) or to purchase a rental property (buy-to-let) will depend on your objectives. Both types of investment can provide an income or capital growth, but come with their own benefits and risks. Due to over-inflated house prices in much of the country, with many people struggling to afford their first home, the Government is looking at ways to discourage the buy-to-let investor through tax changes, as well as making tax more beneficial for the investor with a reduction in income tax and capital gains tax on investments.

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The Chancellor announces the Lifetime ISA
Mar 31/03/2016

Helen Tandy (Partner, Castlefield Advisory Partners) From 6 April 2017, the Government will introduce a brand new option for savers between 18 and 40 years of age, branded as the Lifetime ISA. The age cap counts me out but I am lucky enough to have been able to get on the property ladder at age 18, with the help of my Nationwide staff rate mortgage. I do not expect my 19 year old son, who is currently at University, to be buying a property any time soon. The main downside of pensions for many has been the lack of flexibility, and whilst some of the restrictions were lifted in the last Budget, the features of the Lifetime ISA may be designed to appeal to more people.

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The Budget and Capital Gains Tax changes
Mar 31/03/2016

Capital gains tax (CGT) is charged on the annual profit made from the sale of assets, e.g. shares or a second home - if the total profit is greater than an individual's current CGT allowance.

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A 'decoupling' that is good news for all of us
Mar 30/03/2016

It may sound a bit geeky to celebrate new data from the International Energy Agency (IEA), but last week’s announcement that global carbon emissions had flat-lined for the second year in a row is a major milestone for anyone who wants to see both rising prosperity and a thriving planet. It is a significant announcement because it is the first time emissions have stalled, while the global economy has continued to grow. Over the last 40 years emissions have only stalled or fallen during economic downturns (see figure 1 below).[1] Because, in times of economic growth, when people have more money, they tend to drive or fly more, while businesses build new facilities and factories – all of which takes energy. Increased energy use has historically meant increased emissions. But things have changed.

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Fairtrade Fortnight 2016 and Shared Interest
Mar 23/03/2016

This year’s Fairtrade Fortnight was 29 February to 13 March, and I always try to arrange something in our Manchester office. This year I arranged a visit from Shared Interest, who came in to talk to the team about the work they do supporting Fairtrade through microfinance. We had Kerry Baker from Shared Interest and Lucy McMahon from the Shared Interest Foundation.

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Salisbury office – A New Era
Mar 22/03/2016

A new era dawned on Monday 14th March as Castlefield Advisory Partners said goodbye to its home of 21 years (Catherine Street, Salisbury) and moved to new, modern offices located at Brewery House, 36 Milford Street, Salisbury.

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A Trip to Kodougou
Mar 07/03/2016

David Elton is in Burkina Faso to visit La Renaissance school and here is his latest update from his trip: Bonjour (embarrassingly this is still about the level of my French!), and greetings again from Burkina Faso. Today (Thursday) is our penultimate day here, so this will be my final update before returning to the UK.

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Tales from Ouagadougou
Mar 07/03/2016

David Elton is in Burkina Faso to visit La Renaissance school and here is his second update from his trip: Having arrived safely in Ouagadougou on Sunday afternoon after meeting up with Tony Burden in Addis Abba "en route", we were greeted at the airport by Mathieu Compaoré and a number of members of the board at La Renaissance. We were then whisked off to our hotel for a quick chance to change before being taken out for a welcome drink and bite to eat with the board. It was amazing to be made to feel so welcome straight from the off.

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All set for La Renaissance
Mar 07/03/2016

As the first in the line of Castlefield employees to be given the chance to visit La Renaissance in Ouagadougou (which is quickly becoming my favourite city name) in order to build on our relationship with those there, I thought I would quickly pen some initial thoughts and share an image of the generously donated items I am taking with me.

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Read our Voting Guidelines

Following on from the publishing of our Stewardship report, we have released our Voting Guidelines...

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Get in touch with our team

We’re available by phone and email, but most of all in person to provide expert advice and assistance.

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The Better Society Awards 2018

Castlefield have been shortlisted for three categories in this year’s Better Society Awards.

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