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Articles by Bill Monty

  • House rent protection

    Rental guarantees: What lenders think about rent protection schemes

    by Bill Monty | Apr 24, 2019
    New developments offering rental guarantees may be tempting to investors, but short-term rent protection can be at odds with lender focus on long-term profitability. Here’s what mortgage providers think about the schemes.
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  • Man-on-a-rocket

    Are you a UK contractor? Maximise tax-efficiency by using your pension

    by Bill Monty | Sep 25, 2018
    As a business owner, you understand the importance of planning ahead and that making the right decisions can translate into profits for your business. When it comes to your pension, it’s no different. If you’re finding it hard to navigate the UK pension system, I’ve highlighted some of the important things to consider before choosing a pension. There are also some great ways your limited company can get you some huge tax savings.
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  • house-london

    In the UK, mortgage inaction is pickpocketing thousands of homeowners

    by Bill Monty | Jun 07, 2018
    We are currently in an interesting time within the British mortgage market cycle. According to figures produced by HM Land Registry in February 2018, over the last 12 months, house prices across England have increased by 4.1%, yet London has shown a decline of 1.0%. With Brexit on the mind of many, and London seen as the financial hub of Europe, it is not surprising to see the impact of this within the data.
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  • businessman-tightrope-risk-balance

    Group life cover: Why you should be worried about your lifetime allowance

    by Bill Monty | Sep 25, 2017
    One of the key benefits of choosing to work for an employer, apart from the obvious salary incentive, is becoming part of their employer group life scheme (sometimes referred to as death-in-service benefit). However, because of an easily avoidable technicality, your heirs may have to foot an unexpected tax bill.
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  • calculator-accounting-tax-cogs-hand

    Are you a payroll provider? How are you dealing with the issue of auto enrolment?

    by Bill Monty | May 17, 2017
    As a payroll provider, it can be tricky trying to ensure that your clients’ employees receive the optimal pensions outcomes from auto enrolment. It’s not your job to know the ins and outs of complex pension funds and how they affect the retirement plans of those employees enrolled in those schemes. That’s why more and more payroll providers are turning to specialist financial advisers to help them choose an appropriate pension fund for their clients’ auto enrolment programmes.
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  • deadlines clocks two humans

    Why you can’t afford to miss the auto enrolment deadline

    by Bill Monty | May 10, 2017
    A number of UK businesses are putting auto enrolment on the backburner under the false perception that it is unimportant. According to studies, 46% of small businesses signed up dangerously close to the deadline in the first quarter of 2017, and another 25% missed the deadline completely. One cannot simply bury their head in the sand over this issue and if you haven’t yet enrolled your employees, you need to start taking steps before you’re found to be non-compliant.
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  • auto-enrolment-gets-tough

    Auto enrolment: Regulator gets tough on non-compliant businesses

    by Bill Monty | Apr 29, 2016
    The Pensions Regulator (TPR) has sent almost 100 “escalating penalty notices” to companies that have failed to meet their auto enrolment staging dates since the start of 2016. The first quarter of this year has seen a dramatic increase in penalty notices, as the regulator attempts to encourage employers to get compliant.
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  • aaeaaqaaaaaaaavxaaaajdk2nzu1ntaylte5odmtndc1os04nzdhlwvinje1mtcxndy5ng

    A comprehensive auto enrolment solution for UK SMEs

    by Bill Monty | Dec 09, 2015
    As the deadlines for auto enrolment approach, many small businesses in the UK are neglecting to pay attention to which pension provider they will be using. This is a mistake. If a registered independent financial adviser (IFA) is not consulted, you may prejudice your employees’ retirement plans.
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  • big-big-b-w

    Unease over the “staging phase” of pension auto-enrolment

    by Bill Monty | Jul 18, 2014
    There has been a lot of discussion lately regarding a lack of governmental support for employers who have yet to comply with auto enrolment criteria, with many employers expressing concern over the cost involved and a general lack of understanding.
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  • dueIM

    Dunelm: The challenges of pension auto-enrolment

    by Bill Monty | Jul 18, 2014
    Dunelm Soft Furnishings Ltd was recently in the crosshairs of the Pensions Regulator. What started as a routine enquiry into Dunelm’s failure to complete their pensions auto-enrolment registration resulted in a full investigation that could have ended in hefty fines for non-compliance.
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