COVID-19: In line with Government advice HCRIFA will remain open as usual with all team members working remotely, more information here.

News & Views - HCR IFA

News & Views

News in Review Wednesday 15th September 2021

Over the past seven days, government plans to raise National Insurance contributions to fund the health and social care system have continued to feature prominently in the news headlines. Last Wednesday, despite warnings of a mass Tory rebellion, MPs voted by 319 votes to 248 to approve the new ‘health and social care levy’.

Read More

Economic Review August 2021

  • Strong second quarter growth
  • Cost pressures transitory says BoE
  • Markets
  • COVID distortions send earning.....
Read More

News in Review Wednesday 8th September 2021

On Tuesday, Boris Johnson took to the Downing Street podium, following an earlier appearance in the House of Commons, to set out the government’s intentions to “help our NHS recover from the pandemic and build back better by fixing the problems in health and social care.”

Read More

News in Review Wednesday 1st September 2021

With the summer holiday season drawing to a close, travel stocks were impacted last week, following the latest announcement from the Transport Secretary.

Read More

News in Review Wednesday 25th August 2021

During a week in which the news agenda was dominated by Afghanistan, the US Federal Reserve warned it could start cutting back support for the economy sooner than markets had previously expected.

Read More

Residential Property Review August 2021

  • Transition to eco homes hotting up
  • Sales spree ahead of Stamp Duty changes
  • Enquiries dip as new instructions fall .....
Read More

Commercial Property Review August 2021

  • Investment in student accommodation nears £2bn in H1
  • Indicators point to improving market sentiment in Q2
..... Read More

News in Review Wednesday 18th August 2021

With double jabbed people, as well as those aged under 18 in England and Northern Ireland, no longer legally required to self-isolate if they are identified as a close contact of a positive COVID-19 case, many will be breathing a sigh of relief, not least businesses who have struggled with staff shortages.

Read More

Economic Review July 2021

  • UK growth forecast upgraded
  • Inflation views begin to diverge
  • Markets
  • Labour market recovery continues<.....
Read More

News in Review 11th August 2021

In an open letter to UK institutional investors last week, Boris Johnson and Rishi Sunak urged pension schemes to invest more of savers’ money into UK assets, to help drive the economic recovery and boost longterm growth prospects.

Read More

News in Review 4th August 2021

Last week saw the International Monetary Fund (IMF) release its latest assessment of the global economy. Among the headline stories was a sharp increase to this year’s UK growth forecast, with the renowned international soothsayer now predicting a 7% expansion – 1.7 percentage points higher than its previous projection published in April.

Read More

News in Review Wednesday 28th July 2021

During a week which saw the delayed Tokyo Olympics finally get underway, the news agenda on these shores was largely dominated by the so-called ‘pingdemic’.

Read More

Residential Property Review July 2021

  • Building Safety Bill published
  • Property prices in Scotland continue to rise
  • Scarcity of new listings
..... Read More

Commercial Property Review July 2021

  • Moratorium on commercial evictions extended
  • Logistics sector goes from strength to strength
  • Confidence in London o.....
Read More

News in Review 21st July 2021

Ahead of so-called ‘Freedom Day’ on Monday, Boris Johnson urged people to exercise caution as most restrictions on social contact were lifted in England. With the Prime Minister and Health Secretary currently isolating, and UK daily infections totalling around 50,000, there are warnings that cases will surge over the summer.

Read More

News in Review 14th July 2021

In Monday’s Downing Street briefing, Prime Minister Boris Johnson confirmed that almost all remaining coronavirus restrictions will lift on Monday 19 July, despite cases and hospital admissions rising, as it was felt that a further delay could risk a bigger surge in the autumn.

Read More

Your Finance Matters Q3 Summer 2021

Included in this edition:
  • Summer may be here but what about the LTA freeze?
  • Keeping up with the Joneses? Your personal goals .....
Read More

News in Review Wednesday 7th July 2021

In a Downing Street briefing on Monday, Prime Minister Boris Johnson said ministers will make a final decision on 12 July, whether step four of restriction easing would happen as planned on 19 July.

Read More

Economic Review June 2021

  • MPC maintains monetary stance
  • Record jump in employee numbers
  • Markets
  • Government borrowing chasm narro.....
Read More

Wealth Newsletter Summer 2021

  • Reasons to be cheerful
  • COVID: Changing the way we invest
  • Retirees tempted by ‘risky’ investments
  • R.....
Read More

Money Newsletter Summer 2021

  • Growing optimism for a Great British summer
  • Social media and the younger investor
  • Keeping up with the Joneses? You.....
Read More

Home Finance Newsletter Summer 2021

  • Bright summer expected for the housing market
  • Mortgage guarantee scheme reassures lenders
  • Equity release availabil.....
Read More

News in Review Wednesday 30th June 2021

Last week, the Bank of England’s Monetary Policy Committee (MPC), unanimously voted to maintain base rates at an all-time low of 0.1%. In a statement released on Thursday, the MPC shrugged off concerns over a pick-up in inflation, saying its expectation is that ‘the economy will experience a temporary period of strong GDP growth and […]

Read More

Residential Property Review June 2021

  • Renting less expensive than buying a property
  • Stamp Duty holiday taper approaches
  • Value of mortgages rises
  • <.....
Read More

Commercial Property Review June 2021

  • Shopping centres on the brink
  • Retirement villages set to breathe life back into the high street
  • Growth in hotel ma.....
Read More

News in Review Wednesday 23rd June 2021

Last Friday, the Confederation of British Industry (CBI) published its latest economic forecast, which predicts UK GDP growth is set to bounce back to pre COVID levels by the end of the year, despite the four-week delay in lifting all lockdown restrictions.

Read More

Intergenerational Financial Planning

  • A need to optimise family resources
  • 'The Great Wealth Transfer'
  • Involving your family
  • Solutions to int.....
Read More

Sustainable and Ethical Investing

  • Investing responsibly
  • The moral maze
  • Ethical investing
  • ESG and Sustainable Investing
  • The t.....
Read More


  • What is a pension?
  • What types of pensions are there?
  • What tax relief do I get on my pension contributions?
  • .....
Read More


  • Finding the right mortgage for you
  • How much can you afford to borrow?
  • Getting your finances in order
  • W.....
Read More

Long Term Care

  • The cost of long-term care
  • Government support for care fees
  • Your property and funding your care
  • Giftin.....
Read More

Life Insurance

  • Deciding how much cover is right for you
  • Term insurance or whole-of-life policy?
  • Choosing a joint or single policy.....
Read More


  • Finding the right ISA for you
  • How much can you save in your ISA?
  • Opting for cash or shares – or a combination?
Read More

Inheritance Tax

  • Are you considering IHT planning?
  • What’s the threshold and how can I reduce my liability?
  • The main residence nil.....
Read More

Home Insurance

  • Deciding what type of cover is right for you
  • Protecting your valuables away from the home
  • Understanding how an exc.....
Read More

Equity Release

  • Two ways to release equity
  • This mortgage is for life (usually)
  • Home reversion and lifetime mortgages
  • T.....
Read More

End of Tax Year Planning

  • Your main tax planning opportunities for the 2020–21 tax year
  • Focus on your pension, ISAs, IHT and CGT
  • Using you.....
Read More

News in Review Wednesday 16th June 2021

The G7 Summit in Cornwall dominated headlines over the weekend, with leaders of the ‘Group of Seven’ (UK, US, Canada, Germany, France, Italy and Japan) meeting to discuss global worldwide issues, including vaccination programmes, economic recovery and climate change.

Read More

News in Review Wednesday 9th June 2021

Ahead of the G7 Summit in Carbis Bay, Cornwall, later this week, where leaders from some of the world’s most influential countries are meeting to discuss major global issues, several Finance Ministers met in London at the weekend to discuss a whole host of global economic issues, including reforms to the global tax system to […]

Read More

Economic Review May 2021

  • BoE upgrades growth forecast
  • Inflation rate rises sharply
  • Markets
  • Jobs market: ‘Early signs of r.....
Read More

News in Review Wednesday 2nd June 2021

The latest quarterly Service Sector Survey conducted by the Confederation of British Industry (CBI), has provided further evidence of growing confidence within the UK economy.

Read More

News in Review Wednesday 26th May 2021

Good news came over the weekend as a significant vaccination milestone was surpassed. Tipping over the marker, after over 700,000 jabs were administered on Saturday alone, the UK has now delivered over 60 million vaccinations, first and second doses combined.

Read More

Commercial Property Review May 2021

  • Amazon expanding UK warehouse space
  • Commercial property snapshot
  • Breathing life into London’s office space
  • .....
Read More

Residential Property Review May 2021

  • Queen’s Speech is ‘significant’ for housing market
  • Strong demand and a lack of supply drive prices
  • Top citie.....
Read More

News in Review Wednesday 19th May 2021

Despite concerns growing over the spread of the Indian variant, as clusters of the B.1.617.2 continue to be discovered across the UK, at a Downing Street briefing last Friday, Boris Johnson confirmed the planned phase three easements would proceed on 17 May.

Read More

News in Review Wednesday 12th May 2021

On Monday, the Prime Minister confirmed that the next stage of easing measures will go ahead as intended on 17 May. People in England will be able to resume numerous activities, including hugging loved ones, meeting indoors, dining inside restaurants and visiting indoor entertainment venues such as cinemas and museums.

Read More

Economic Review April 2021

  • Stronger recovery predicted
  • Labour market ‘broadly stable’
  • Markets
  • Retail sales sur.....
Read More

News in Review Wednesday 5th May 2021

During the May Bank Holiday weekend, a momentous milestone was achieved as the UK surpassed 50 million vaccine doses administered: 34,588,600 first vaccine doses and 15,500,949 second doses.

Read More

Residential Property Review April 2021

  • Spring sees the busiest ever housing market
  • Government launches 95% mortgage guarantee scheme
  • Sense of urban .....
Read More

Commercial Property Review April 2021

  • UK's costliest office block up for sale
  • UK commercial rental payments continue to be impacted
  • Positive signs .....
Read More

News in Review Wednesday 28th April 2021

US President Joe Biden has pledged to cut his country’s emissions by 50-52% compared to 2005 levels, by the year 2030. The President unveiled the new target during his opening remarks at a two-day virtual Climate Summit, which started last Thursday to coincide with Earth Day.

Read More

News in Review Wednesday 21st April 2021

A sobering milestone of three million global COVID deaths was surpassed last week, just a day after the Director General of the World Health Organisation (WHO), Dr Tedros Adhanom Ghebreyesus, warned the world was “approaching the highest rate of infection” so far. The US, India and Brazil have recorded the highest number of cases so far, with […]

Read More

News in Review Wednesday 14th April 2021

As the country embarked on its latest easing of lockdown measures, the Prime Minister urged “everyone to continue to behave responsibly.” In a statement released ahead of the reopening of non-essential shops and pub gardens, Mr Johnson described the rule relaxations as “a major step forward in our roadmap to freedom” and added, “I’m sure it will be a huge […]

Read More

Your Finance Matters Q2 Spring 2021

Included in this issue:

  • Vaccines put a spring in investors’ step
  • <.....
Read More

Economic Review March 2021

  • BoE; Outlook 'unusually uncertain'
  • Surprise fall in inflation
  • Markets
  • Retailer optimism rising
Read More

Money Newsletter Spring 2021

  • New investors spring into action
  • Why it pays to update your pension expression of wishes
  • Hopes of a .....
Read More

Wealth Newsletter Spring 2021

  • Vaccines put a spring in investors’ step
  • The world’s happiest retirees
  • A little more than a year after co.....
Read More

Home Finance Newsletter Spring 2021

  • Positive signs for the property market
  • How your front door could add value to your home
  • What did the 2021 Bud.....
Read More

News in Review Wednesday 7th April 2021

On Easter Monday, the Prime Minister confirmed that restrictions in England are to ease as planned on 12 April, with non-essential shops, gyms, hairdressers and outdoor hospitality venues set to reopen. Mr Johnson said, “We set out our roadmap and we’re sticking to it. And I want to stress, that we see nothing in the present […]

Read More

News in Review Wednesday 31st March 2021

The Prime Minister has stressed “we must proceed with caution” and warned that we do not know “exactly how strong” the country’s defences against another wave of COVID will be despite the UK’s “very impressive” vaccine rollout. Speaking at a Downing Street briefing on Monday, on the day stay-at-home rules ended in England, Mr Johnson added, “it is only because of months […]

Read More

Residential Property Review March 2021

  • Stamp Duty holiday extension
  • Mortgage guarantee scheme set to launch
  • Strongest spring housing market for a de.....
Read More

Commercial Property Review March 2021

  • Transaction volumes ‘muted’
  • BA considers sale of HQ
  • M&S proposes redevelopment of Marbl.....
Read More

News in Review Wednesday 24th March 2021

The Prime Minister stressed “Our roadmap to freedom depends on the continued success of our vaccination programme,” during a week that also saw new daily jab records set on three consecutive days and the country come together for a national day of reflection to mark the anniversary of the first coronavirus lockdown.

Read More

News in Review Wednesday 17th March 2021

Last week, the Organisation for Economic Cooperation and Development (OECD) released its latest set of forecasts declaring ‘a global economic recovery is in sight.’ The international soothsayer said prospects have ‘improved markedly in recent months’ as vaccine rollouts gather momentum and the US launches a massive new stimulus package.

Read More

News in Review Wednesday 10th March 2021

The Prime Minister has hailed the collective efforts of the British public, as the country embarks on the first stage of the roadmap out of lockdown. Speaking on Sunday, the day before pupils across England began returning to the classroom, Mr Johnson said the reopening of schools marked a “truly national effort to beat this virus,” adding “it […]

Read More

Spring Budget 2021

Chancellor of the Exchequer, Rishi Sunak, delivered his second Budget on 3 March declaring that “we will recover”. The key fiscal event, which had been delayed from the Autumn due to the pandemic, centred on a £65bn three-part plan designed to continue supporting British people and businesses through the pandemic, ‘fix’ the public finances once recovery begins and lay […]

Read More

Economic Review February 2021

  • UK economy poised for recovery
  • Labour market uncertainty
  • Markets
  • Inflationary pressures mount
Read More

News in Review Wednesday 3rd March 2021

On Wednesday afternoon, all eyes will be on the Chancellor as he presents his much awaited second Budget in the House of Commons. COVID support is likely to feature front and centre on Rishi Sunak’s agenda, with immediate areas to address including decisions over furlough and business support.

Read More

Residential Property Review February 2021

  • House price growth slows
  • Nearly 750,000 buyers benefit from Stamp Duty holiday
  • Regional variations in values .....
Read More

Commercial Property Market Review February 2021

  • Widening disparity between commercial property sectors
  • Despite drop in investment “there is genuine optimi.....
Read More

News in Review Wednesday 24th February 2021

The Prime Minister has unveiled a four-step plan to gradually ease lockdown restrictions in England, with the aim of lifting all legal limits on social contact by 21 June. Speaking in the House of Commons on Monday, Mr Johnson told MPs his roadmap was “cautious but also irreversible” and that decisions at each stage would be […]

Read More

News in Review Wednesday 17th February 2021

As the UK endured icy temperatures last week, the Prime Minister appealed to the two million people from the first four priority groups yet to receive a vaccination, to come forward for their jab.

Read More

News in Review Wednesday 10th February 2021

The UK passed a significant milestone last week, as 10 million people received their first vaccine dose. The largest vaccination programme in British history is now fast approaching 13 million vaccinated and despite the cold snap prompting the closure of some vaccination centres across the country, is on course to meet the 15 February goal […]

Read More

Economic Review January 2021

  • Vaccinations provide economic hope
  • Retailers suffer annus horribilis
  • Markets
  • Borrowing remains at rec.....
Read More

News in Review Wednesday 3rd February 2021

As the vaccination programme continues in earnest, on Monday, at a Downing Street briefing, Matt Hancock confirmed that 9.2 million people in the UK had been vaccinated to date, including a record 931,204 vaccinations done last week alone.

Read More

News in Review Wednesday 27th January 2021

Hosting a Downing Street press conference on Tuesday, Boris Johnson said it was “hard to compute the sorrow” after the UK passed a grim milestone of 100,000 deaths from COVID-19. The Prime Minister added, “The years of life lost, the family gatherings not attended and, for so many relatives, the missed chance to even say goodbye – I […]

Read More

Residential Property Review January 2021

  • Momentum in residential market expected to slow
  • Buy-to-let limited companies on the rise
  • Price gap between fr.....
Read More

Commercial Property Review January 2021

  • Sustainable buildings – property developers tune in
  • Retail footfall drops 43.4% in 2020
  • 2020 a record year .....
Read More

News in Review Wednesday 20th January 2021

The Prime Minister has described the move to extend England’s vaccination programme to people aged 70 and over, along with clinically extremely vulnerable individuals as a “significant milestone.” Mr Johnson’s comments came on Monday, the same day that ten new mass vaccination hubs were opened across England.

Read More

Your Finance Matters Q1 Winter 2021

Included in this issue:

  • Glimmers of hope for the New Year
  • New Ye.....
Read More

News in Review Wednesday 13th January 2021

The UK is at the “worst point” of the pandemic, Matt Hancock said as he addressed the nation on Monday. Government figures show that over 80,000 people have now died, while over 32,000 are currently in hospital.

Read More

News in Review Wednesday 6th January 2021

As the UK saw in the New Year in a more subdued way than usual, with much of the country under tier 4 restrictions, fireworks and a light display illuminated the sky over London. An hour earlier, as Big Ben struck 11pm, a new era had begun for the UK, after it completed its formal […]

Read More

Economic Review December 2020

  • Brexit trade talks
  • Economy ‘unusually uncertain’
  • Markets
  • Redundancies hit record hi.....
Read More

Wealth Newsletter Winter 2021

  • Glimmers of hope for the New Year
  • IHT receipts fall for the first time in a decade
  • New Year’s resolution? G.....
Read More

Money Newsletter Winter 2021

  • Looking forward to a better year
  • Put your ISA on the agenda in Q1
  • Struggling to save for retirement? Try this.....
Read More

Home Finance Newsletter Winter 2021

  • Property market – the latest
  • How much space can £231k buy you?
  • Equity release market shows signs of recove.....
Read More

News in Review Wednesday 30th December 2020

After months of negotiations, on issues including fishing rights and business rules, an agreement between the UK and EU was finally reached on Christmas Eve, just days before the deadline.

Read More

News in Review Tuesday 22nd December 2020

As Boris Johnson took to the Downing Street podium on Saturday afternoon, his imminent announcement was a game changer for millions of people across the country. With the virus spreading more rapidly in parts of the country, driven by a new variant, new tier 4 restrictions (applicable from midnight on Saturday) were introduced in London […]

Read More

Residential Property Review December 2020

  • Positive start for property market in 2021
  • House price growth hits five-year high
  • What were homebuyers’ top.....
Read More

Commercial Property Review December 2020

  • Record uptake for industrial & logistics sector in 2020
  • Retail sector woes continue
  • Scottish commercial p.....
Read More

News in Review Wednesday 16th December 2020

Brexit talks have restarted after Prime Minister Boris Johnson and European Commission President Ursula von der Leyen agreed to an extension of their original 13 December deadline. Following a “constructive” telephone call, during which the pair discussed “major unresolved topics”, both parties agreed that talks should continue.

Read More

News in Review Wednesday 9th December 2020

As the UK death toll surpassed 60,000 last week, the first consignment of the Pfizer/BioTech vaccine arrived in the country from Belgium. With 40 million doses on order, sufficient to vaccinate 20 million people, the first doses have been distributed to various designated hospital vaccination centres across the country. On Tuesday, the NHS embarked on […]

Read More

Economic Review November 2020

  • Spending Review
  • Revised economic forecasts
  • Markets
  • Inflation ticks higher
  • Brexit deadline on .....
Read More

News in Review Wednesday 2nd December 2020

On 25 November, Chancellor Rishi Sunak stood before the House of Commons to outline the Spending Review for the year ahead. Opening his speech, he delivered a stark warning about the difficulties that lie ahead, stating, “Our health emergency is not yet over. And our economic emergency has only just begun.”

Read More

Residential Property Review November 2020

  • Housing market activity remains strong
  • Home sales pipeline increases
  • Mortgage payment holidays extended
  • <.....
Read More

Commercial Property Market Review November 2020

  • Overseas investors return to the market
  • Flexible office businesses take a hit
  • Amazon on the lookout for new U.....
Read More

News in Review Wednesday 25th November 2020

The International Monetary Fund’s (IMF) recently released annual report, entitled ‘A year like no other’, highlights the extraordinary extent of the government fiscal support provided this year to bolster global growth. As of September 2020, $11.5trn globally has been provided by governments, to extend lifelines to businesses and people. In addition, the IMF has committed over $100bn […]

Read More

News in Review Wednesday 18th November 2020

Another grim milestone was reached last week, as the UK became the first European country to exceed 50,000 COVID deaths. The UK is now the fifth country in the world to record this toll, after the US, Brazil, India and Mexico.

Read More

News in Review Wednesday 11th November 2020

As lockdown 2.0 kicked off in England on 5 November, at a Downing Street press conference that afternoon, Boris Johnson confirmed his intention that the rules will expire on 2 December, at which point the tiered approach will resume.

Read More

Economic Review October 2020

  • UK recovery slows
  • Retail recovery fears
  • Markets
  • Unemployment rising
  • Brexit talks resume
  • .....
Read More

News in Review Wednesday 4th November 2020

With a shroud of lockdowns descending over swathes of Europe and the UK, as virus cases surge, England followed suit on 31 October, with Boris Johnson announcing national lockdown measures commencing 5 November for four weeks.

Read More

News in Review Wednesday 28 October 2020

Last week, as tighter coronavirus rules came into force for millions of people across the UK, Chancellor Rishi Sunak unveiled significant changes to the government’s support package with increased financial assistance for businesses and workers hit by COVID restrictions.

Read More

Wealth Newsletter Autumn 2020

  • Coronavirus – a black swan event?
  • Kiss your cash goodbye
  • In the news
  • Are you on your best investor .....
Read More

Money Newsletter Autumn 2020

  • Age 20 or 50+? Maintain your retirement focus
  • Have you saved during lockdown?
  • Titanic disaster led to histori.....
Read More

Home Finance Newsletter Autumn 2020

  • The post-lockdown trends ruling the property market
  • Renovation nation gets stuck in
  • ‘Astonishing’ recover.....
Read More

Economic Review September 2020

  • Winter economy plan
  • Lockdown recovery fears
  • Markets
  • Inflation falls sharply
  • Negative rate deb.....
Read More

Property Market Review September 2020

  • Property transactions slow, but warehouse demand rises
  • Interest in large Supermarket sites surges
  • The changin.....
Read More

The Week in Review Monday 28th September

Last week began with the government’s most senior science and medical advisers issuing a stark warning about the rise in coronavirus cases witnessed over recent weeks. At a Downing Street data briefing, Sir Patrick Vallance and Professor Chris Whitty said that, without any further action, the UK could “end up with something like 50,000 cases […]

Read More

The Week in Review Monday 21st September

All over the country, people have been struggling to get tested for coronavirus, with appointments paused and the system under immense pressure as demand spikes. Some people in need of a test have reported being directed to sites located hundreds of miles from their homes. Data shows that just a third of tests conducted in […]

Read More

The Week in Review Monday 14th September

With the number of coronavirus cases rising across the UK, the Prime Minister was back on the Downing Street podium last Wednesday to announce new measures. As we enter the autumn, with the country at a critical moment and the average rate of new infection four times higher than in mid-July, the governemnt announced the introduction […]

Read More

Economic Review August 2020

  • Faster rebound; slower recovery
  • BOE ‘considering’ negative rates
  • Markets
  • Retai.....
Read More

The Week in Review Monday 7th September

Millions of children in England and Wales returned to school last week. For many, it was the first time in attendance since March, due to the disruption caused by the pandemic. Pupils started adjusting to life in a class or year group bubble, with a raft of precautionary measures in place, such as one-way entrance […]

Read More

Home Finance Newsletter Summer 2020

  • Property market: Where are we now?
  • Happy street name – more valuable home?
  • In the news
  • Payment holi.....
Read More

Summer Economic Update 2020

In March, Rishi Sunak unveiled “one of the largest and most comprehensive economic responses in the world” to protect the UK’s population against the impact of coronavirus. The £160bn plan, the Chancellor said, was just the first stage of the government’s response to the pandemic. Four months later, on 8 July, the Chancellor stepped up once again […]

Read More

Money Newsletter Summer 2020

  • Building financial resiliance
  • Maintaining your protection cover is vitally important
  • In the news
  • Prot.....
Read More

Wealth Newsletter Summer 2020

  • Keep your retirement plans on track
  • Reassurance for savers
  • In the news
  • Spreading risk has always made.....
Read More

Spring 2020 Newsletter

  • Make time for life’s big decisions
  • Finger on the pulse – investing in uncertain times
  • Key points from the.....
Read More