FT Adviser
@ftadviser.com
Posts from the editorial team behind the multi-award-winning website - covering everything that's relevant to UK financial advisers and their wider market.
Investment firms given flexibility to deliver clearer information on cost
https://www.ftadviser.com/investments/2025/12/8/investment-firms-given-flexibility-to-deliver-clearer-information-on-cost/
https://www.ftadviser.com/investments/2025/12/8/investment-firms-given-flexibility-to-deliver-clearer-information-on-cost/
Investment firms given flexibility to deliver clearer information on cost
The Financial Conduct Authority has published its final rules for consumer composite investments, giving firms greater freedom to provide clear, balanced messages on risk and return.
www.ftadviser.com
December 8, 2025 at 1:16 PM
Investment firms given flexibility to deliver clearer information on cost
https://www.ftadviser.com/investments/2025/12/8/investment-firms-given-flexibility-to-deliver-clearer-information-on-cost/
https://www.ftadviser.com/investments/2025/12/8/investment-firms-given-flexibility-to-deliver-clearer-information-on-cost/
FCA to draw ‘clearer’ boundary between retail and professional investors
https://www.ftadviser.com/financial-conduct-authority-uk/2025/12/8/fca-to-draw-clearer-boundary-between-retail-and-professional-investors/
https://www.ftadviser.com/financial-conduct-authority-uk/2025/12/8/fca-to-draw-clearer-boundary-between-retail-and-professional-investors/
FCA to draw ‘clearer’ boundary between retail and professional investors
The Financial Conduct Authority has set out plans to increase retail investment in the UK, which includes setting a “clearer boundary” between retail and professional investors to aid risk culture.
www.ftadviser.com
December 8, 2025 at 1:05 PM
FCA to draw ‘clearer’ boundary between retail and professional investors
https://www.ftadviser.com/financial-conduct-authority-uk/2025/12/8/fca-to-draw-clearer-boundary-between-retail-and-professional-investors/
https://www.ftadviser.com/financial-conduct-authority-uk/2025/12/8/fca-to-draw-clearer-boundary-between-retail-and-professional-investors/
Raw Capital Partners expands into UK mortgage market
https://www.ftadviser.com/advice-businesses/2025/12/8/raw-capital-partners-expands-into-uk-mortgage-market/
https://www.ftadviser.com/advice-businesses/2025/12/8/raw-capital-partners-expands-into-uk-mortgage-market/
Raw Capital Partners expands into UK mortgage market
Raw Capital Partners has launched a range of mortgage products, marking an expansion into the UK market.
www.ftadviser.com
December 8, 2025 at 11:44 AM
Raw Capital Partners expands into UK mortgage market
https://www.ftadviser.com/advice-businesses/2025/12/8/raw-capital-partners-expands-into-uk-mortgage-market/
https://www.ftadviser.com/advice-businesses/2025/12/8/raw-capital-partners-expands-into-uk-mortgage-market/
Futura Financial snaps up Norwich-based firm
https://www.ftadviser.com/mergers-acquisitions/2025/12/8/futura-financial-snaps-up-norwich-based-firm-/
https://www.ftadviser.com/mergers-acquisitions/2025/12/8/futura-financial-snaps-up-norwich-based-firm-/
Futura Financial snaps up Norwich-based firm
Futura Financial Services Group has bought Norwich-based Jones Financial for an undisclosed sum.
www.ftadviser.com
December 8, 2025 at 11:19 AM
Futura Financial snaps up Norwich-based firm
https://www.ftadviser.com/mergers-acquisitions/2025/12/8/futura-financial-snaps-up-norwich-based-firm-/
https://www.ftadviser.com/mergers-acquisitions/2025/12/8/futura-financial-snaps-up-norwich-based-firm-/
‘It could be years before AI bubble explodes’
https://www.ftadviser.com/artificial-intelligence/2025/12/8/it-could-be-years-before-ai-bubble-explodes/
https://www.ftadviser.com/artificial-intelligence/2025/12/8/it-could-be-years-before-ai-bubble-explodes/
‘It could be years before AI bubble explodes’
Despite investors being worried about the potential for an AI bubble, Christophe Boucher from ABN AMRO Investment Solutions believes it is too early to act.
www.ftadviser.com
December 8, 2025 at 10:58 AM
‘It could be years before AI bubble explodes’
https://www.ftadviser.com/artificial-intelligence/2025/12/8/it-could-be-years-before-ai-bubble-explodes/
https://www.ftadviser.com/artificial-intelligence/2025/12/8/it-could-be-years-before-ai-bubble-explodes/
Sikoia partners with Yavia to streamline cases for brokers
https://www.ftadviser.com/adviser-technology/2025/12/8/sikoia-partners-with-yavia-to-streamline-cases-for-brokers/
https://www.ftadviser.com/adviser-technology/2025/12/8/sikoia-partners-with-yavia-to-streamline-cases-for-brokers/
Sikoia partners with Yavia to streamline cases for brokers
Provider of automated customer verification checks, Sikoia, has partnered with digital platform Yavia to streamline how brokers manage mortgage and protection cases.
www.ftadviser.com
December 8, 2025 at 10:38 AM
Sikoia partners with Yavia to streamline cases for brokers
https://www.ftadviser.com/adviser-technology/2025/12/8/sikoia-partners-with-yavia-to-streamline-cases-for-brokers/
https://www.ftadviser.com/adviser-technology/2025/12/8/sikoia-partners-with-yavia-to-streamline-cases-for-brokers/
Increasingly tricky for small firms to complete share purchases
https://www.ftadviser.com/mergers-acquisitions/2025/12/8/increasingly-tricky-for-small-firms-to-complete-share-purchases/
https://www.ftadviser.com/mergers-acquisitions/2025/12/8/increasingly-tricky-for-small-firms-to-complete-share-purchases/
Increasingly tricky for small firms to complete share purchases
There is an increasing reluctance from buyers for share purchases, particularly for “smaller transactions”, according to Louise Jeffreys, managing director of Gunner & Co.
www.ftadviser.com
December 8, 2025 at 8:54 AM
Increasingly tricky for small firms to complete share purchases
https://www.ftadviser.com/mergers-acquisitions/2025/12/8/increasingly-tricky-for-small-firms-to-complete-share-purchases/
https://www.ftadviser.com/mergers-acquisitions/2025/12/8/increasingly-tricky-for-small-firms-to-complete-share-purchases/
Early-stage firms could soon be offered provisional licenses by FCA
https://www.ftadviser.com/regulation/2025/12/8/early-stage-firms-could-soon-be-offered-provisional-licenses-by-fca/
https://www.ftadviser.com/regulation/2025/12/8/early-stage-firms-could-soon-be-offered-provisional-licenses-by-fca/
Early-stage firms could soon be offered provisional licenses by FCA
The Financial Conduct Authority is set to offer start-ups provisional licenses so they can start operating before having to meet all of the regulator’s conditions.
www.ftadviser.com
December 8, 2025 at 8:46 AM
Early-stage firms could soon be offered provisional licenses by FCA
https://www.ftadviser.com/regulation/2025/12/8/early-stage-firms-could-soon-be-offered-provisional-licenses-by-fca/
https://www.ftadviser.com/regulation/2025/12/8/early-stage-firms-could-soon-be-offered-provisional-licenses-by-fca/
Average mortgage rates hit lowest levels since September 2022
https://www.ftadviser.com/mortgages/2025/12/8/average-mortgage-rates-hit-lowest-levels-since-september-2022/
https://www.ftadviser.com/mortgages/2025/12/8/average-mortgage-rates-hit-lowest-levels-since-september-2022/
Average mortgage rates hit lowest levels since September 2022
Average mortgage rates have fallen on a monthly basis, sinking to their lowest levels since the start of September 2022, data from Moneyfacts has revealed.
www.ftadviser.com
December 8, 2025 at 8:35 AM
Average mortgage rates hit lowest levels since September 2022
https://www.ftadviser.com/mortgages/2025/12/8/average-mortgage-rates-hit-lowest-levels-since-september-2022/
https://www.ftadviser.com/mortgages/2025/12/8/average-mortgage-rates-hit-lowest-levels-since-september-2022/
Budget prompts ‘clear pause’ in homebuyer activity
https://www.ftadviser.com/mortgages/2025/12/8/budget-prompts-clear-pause-in-homebuyer-activity/
https://www.ftadviser.com/mortgages/2025/12/8/budget-prompts-clear-pause-in-homebuyer-activity/
Budget prompts ‘clear pause’ in homebuyer activity
November brought a “clear pause” in borrower behaviour as total mortgage searches fell by 14.64 per cent compared with October, data from Twenty7tec has revealed.
www.ftadviser.com
December 8, 2025 at 8:11 AM
Budget prompts ‘clear pause’ in homebuyer activity
https://www.ftadviser.com/mortgages/2025/12/8/budget-prompts-clear-pause-in-homebuyer-activity/
https://www.ftadviser.com/mortgages/2025/12/8/budget-prompts-clear-pause-in-homebuyer-activity/
Nearly 22mn people to benefit from targeted support
https://www.ftadviser.com/advice-guidance-boundary/2025/12/8/nearly-22mn-people-to-benefit-from-targeted-support/
https://www.ftadviser.com/advice-guidance-boundary/2025/12/8/nearly-22mn-people-to-benefit-from-targeted-support/
Nearly 22mn people to benefit from targeted support
As many as 21.5mn people could benefit from targeted support, according to Royal London.
www.ftadviser.com
December 8, 2025 at 8:02 AM
Nearly 22mn people to benefit from targeted support
https://www.ftadviser.com/advice-guidance-boundary/2025/12/8/nearly-22mn-people-to-benefit-from-targeted-support/
https://www.ftadviser.com/advice-guidance-boundary/2025/12/8/nearly-22mn-people-to-benefit-from-targeted-support/
Millions borrowing cash to combat financial shocks
https://www.ftadviser.com/protection/2025/12/5/millions-borrowing-cash-to-combat-financial-shocks/
https://www.ftadviser.com/protection/2025/12/5/millions-borrowing-cash-to-combat-financial-shocks/
Millions borrowing cash to combat financial shocks
Millions forced to borrow cash from friends and family to cover major financial shocks, research from Howden Life and Health has found.
www.ftadviser.com
December 5, 2025 at 1:45 PM
Millions borrowing cash to combat financial shocks
https://www.ftadviser.com/protection/2025/12/5/millions-borrowing-cash-to-combat-financial-shocks/
https://www.ftadviser.com/protection/2025/12/5/millions-borrowing-cash-to-combat-financial-shocks/
Budget speculation damaging investment portfolios
https://www.ftadviser.com/budget/2025/12/5/budget-speculation-damaging-investment-portfolios/
https://www.ftadviser.com/budget/2025/12/5/budget-speculation-damaging-investment-portfolios/
Budget speculation damaging investment portfolios
Speculation in the run-up to the Autumn Budget led to 100,000 premature pension withdrawals, according to Mark FitzPatrick, chief executive at St James’s Place.
www.ftadviser.com
December 5, 2025 at 1:44 PM
Budget speculation damaging investment portfolios
https://www.ftadviser.com/budget/2025/12/5/budget-speculation-damaging-investment-portfolios/
https://www.ftadviser.com/budget/2025/12/5/budget-speculation-damaging-investment-portfolios/
Coutts: private markets will play ‘meaningful role’ in portfolios
https://www.ftadviser.com/investments/2025/12/5/coutts-private-markets-will-play-meaningful-role-in-portfolios-/
https://www.ftadviser.com/investments/2025/12/5/coutts-private-markets-will-play-meaningful-role-in-portfolios-/
Coutts: private markets will play ‘meaningful role’ in portfolios
Coutts expects private markets to play a “meaningful role” in client portfolios next year as the firm has been looking at evergreen funds.
www.ftadviser.com
December 5, 2025 at 1:44 PM
Coutts: private markets will play ‘meaningful role’ in portfolios
https://www.ftadviser.com/investments/2025/12/5/coutts-private-markets-will-play-meaningful-role-in-portfolios-/
https://www.ftadviser.com/investments/2025/12/5/coutts-private-markets-will-play-meaningful-role-in-portfolios-/
Bond markets enter new era as investors question sovereign-corporate pricing gap
https://www.ftadviser.com/multi-asset-edge/2025/12/5/bond-markets-enter-new-era-as-investors-question-sovereign-corporate-pricing-gap/
https://www.ftadviser.com/multi-asset-edge/2025/12/5/bond-markets-enter-new-era-as-investors-question-sovereign-corporate-pricing-gap/
Bond markets enter new era as investors question sovereign-corporate pricing gap
There has been a dramatic shift in the dynamics of bond markets, which could pose some challenges for investors next year.
www.ftadviser.com
December 5, 2025 at 1:44 PM
Bond markets enter new era as investors question sovereign-corporate pricing gap
https://www.ftadviser.com/multi-asset-edge/2025/12/5/bond-markets-enter-new-era-as-investors-question-sovereign-corporate-pricing-gap/
https://www.ftadviser.com/multi-asset-edge/2025/12/5/bond-markets-enter-new-era-as-investors-question-sovereign-corporate-pricing-gap/
FCA looking to reduce late returns fee to £100
https://www.ftadviser.com/financial-conduct-authority-uk/2025/12/5/fca-looking-to-reduce-late-returns-fee-to-100/
https://www.ftadviser.com/financial-conduct-authority-uk/2025/12/5/fca-looking-to-reduce-late-returns-fee-to-100/
FCA looking to reduce late returns fee to £100
The Financial Conduct Authority is consulting on proposals to reduce the administrative fee for overdue or late regulatory returns from £250 to £100.
www.ftadviser.com
December 5, 2025 at 1:44 PM
FCA looking to reduce late returns fee to £100
https://www.ftadviser.com/financial-conduct-authority-uk/2025/12/5/fca-looking-to-reduce-late-returns-fee-to-100/
https://www.ftadviser.com/financial-conduct-authority-uk/2025/12/5/fca-looking-to-reduce-late-returns-fee-to-100/
Why credit spreads should be even tighter
https://www.ftadviser.com/corporate-bonds/2025/12/5/why-credit-spreads-should-be-even-tighter/
https://www.ftadviser.com/corporate-bonds/2025/12/5/why-credit-spreads-should-be-even-tighter/
Why credit spreads should be even tighter
Changes in the composition of debt markets since the global financial crisis and the pandemic mean that corporate bond spreads, while tight relative to history, could arguably be tighter, according to Stephen Snowden, head of fixed income at Artemis.
www.ftadviser.com
December 5, 2025 at 12:41 PM
Why credit spreads should be even tighter
https://www.ftadviser.com/corporate-bonds/2025/12/5/why-credit-spreads-should-be-even-tighter/
https://www.ftadviser.com/corporate-bonds/2025/12/5/why-credit-spreads-should-be-even-tighter/
Saffron rolls out buy-to-let lending updates
https://www.ftadviser.com/mortgage-brokers/2025/12/5/saffron-rolls-out-buy-to-let-lending-updates/
https://www.ftadviser.com/mortgage-brokers/2025/12/5/saffron-rolls-out-buy-to-let-lending-updates/
Saffron rolls out buy-to-let lending updates
A set of specialist lending updates, including bridging finance to create an end-to-end property development finance proposition, has been announced by Saffron for Intermediaries.
www.ftadviser.com
December 5, 2025 at 11:51 AM
Saffron rolls out buy-to-let lending updates
https://www.ftadviser.com/mortgage-brokers/2025/12/5/saffron-rolls-out-buy-to-let-lending-updates/
https://www.ftadviser.com/mortgage-brokers/2025/12/5/saffron-rolls-out-buy-to-let-lending-updates/
Why advice needs more ‘inclusive language’
https://www.ftadviser.com/new-voices/2025/12/5/why-advice-needs-more-inclusive-language-/
https://www.ftadviser.com/new-voices/2025/12/5/why-advice-needs-more-inclusive-language-/
Why advice needs more ‘inclusive language’
Specialised language can sometimes be off-putting for people hoping to engage with financial advice, according to Joanne Munis, founder of Vested Woman Consulting.
www.ftadviser.com
December 5, 2025 at 11:51 AM
Why advice needs more ‘inclusive language’
https://www.ftadviser.com/new-voices/2025/12/5/why-advice-needs-more-inclusive-language-/
https://www.ftadviser.com/new-voices/2025/12/5/why-advice-needs-more-inclusive-language-/
Salary sacrifice changes could be ‘serious step back’
https://www.ftadviser.com/pensions/2025/12/5/salary-sacrifice-changes-could-be-serious-step-back/
https://www.ftadviser.com/pensions/2025/12/5/salary-sacrifice-changes-could-be-serious-step-back/
Salary sacrifice changes could be ‘serious step back’
More than three million people are set to be impacted by the government’s salary sacrifice changes announced in this month’s Budget.
www.ftadviser.com
December 5, 2025 at 11:38 AM
Salary sacrifice changes could be ‘serious step back’
https://www.ftadviser.com/pensions/2025/12/5/salary-sacrifice-changes-could-be-serious-step-back/
https://www.ftadviser.com/pensions/2025/12/5/salary-sacrifice-changes-could-be-serious-step-back/
‘I have seen a new nihilism develop around the pension among Gen Z’
https://www.ftadviser.com/pensions/2025/12/5/i-have-seen-a-new-nihilism-develop-around-the-pension-among-gen-z/
https://www.ftadviser.com/pensions/2025/12/5/i-have-seen-a-new-nihilism-develop-around-the-pension-among-gen-z/
‘I have seen a new nihilism develop around the pension among Gen Z’
www.ftadviser.com
December 5, 2025 at 11:38 AM
‘I have seen a new nihilism develop around the pension among Gen Z’
https://www.ftadviser.com/pensions/2025/12/5/i-have-seen-a-new-nihilism-develop-around-the-pension-among-gen-z/
https://www.ftadviser.com/pensions/2025/12/5/i-have-seen-a-new-nihilism-develop-around-the-pension-among-gen-z/
Aberdeen launches Junior Sipp on its platform
https://www.ftadviser.com/sipps/2025/12/5/aberdeen-launches-junior-sipp-on-its-platform/
https://www.ftadviser.com/sipps/2025/12/5/aberdeen-launches-junior-sipp-on-its-platform/
Aberdeen launches Junior Sipp on its platform
Aberdeen’s platform Wrap has launched a Sipp and free Junior Sipp to provide flexibility and intergenerational planning.
www.ftadviser.com
December 5, 2025 at 8:47 AM
Aberdeen launches Junior Sipp on its platform
https://www.ftadviser.com/sipps/2025/12/5/aberdeen-launches-junior-sipp-on-its-platform/
https://www.ftadviser.com/sipps/2025/12/5/aberdeen-launches-junior-sipp-on-its-platform/
Average house price reaches record high despite slowed growth
https://www.ftadviser.com/mortgages/2025/12/5/average-house-price-reaches-record-high-despite-slowed-growth/
https://www.ftadviser.com/mortgages/2025/12/5/average-house-price-reaches-record-high-despite-slowed-growth/
Average house price reaches record high despite slowed growth
Despite subdued growth over the month of November, the average house price continues to edge up to a record high, data from Halifax has revealed.
www.ftadviser.com
December 5, 2025 at 8:44 AM
Average house price reaches record high despite slowed growth
https://www.ftadviser.com/mortgages/2025/12/5/average-house-price-reaches-record-high-despite-slowed-growth/
https://www.ftadviser.com/mortgages/2025/12/5/average-house-price-reaches-record-high-despite-slowed-growth/
Firm under investigation by the FSCS
https://www.ftadviser.com/financial-services-compensation-scheme-ltd/2025/12/4/firm-under-investigation-by-the-fscs/
https://www.ftadviser.com/financial-services-compensation-scheme-ltd/2025/12/4/firm-under-investigation-by-the-fscs/
Firm under investigation by the FSCS
The Financial Services Compensation Scheme has placed Herts-based ESE Capital Ltd under investigation.
www.ftadviser.com
December 4, 2025 at 3:26 PM
Firm under investigation by the FSCS
https://www.ftadviser.com/financial-services-compensation-scheme-ltd/2025/12/4/firm-under-investigation-by-the-fscs/
https://www.ftadviser.com/financial-services-compensation-scheme-ltd/2025/12/4/firm-under-investigation-by-the-fscs/
Pension transfer with WTW takes nearly 2 years
https://www.ftadviser.com/pensions/2025/12/4/pension-transfer-with-wtw-takes-nearly-2-years-/
https://www.ftadviser.com/pensions/2025/12/4/pension-transfer-with-wtw-takes-nearly-2-years-/
Pension transfer with WTW takes nearly 2 years
A woman has had to wait nearly two years for a pension transfer after her adviser had to repeatedly chase Willis Towers Watson LifeSight for basic plan information.
www.ftadviser.com
December 4, 2025 at 3:12 PM
Pension transfer with WTW takes nearly 2 years
https://www.ftadviser.com/pensions/2025/12/4/pension-transfer-with-wtw-takes-nearly-2-years-/
https://www.ftadviser.com/pensions/2025/12/4/pension-transfer-with-wtw-takes-nearly-2-years-/