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 Andrew Southgate







Articles in this section are supplied by Andrew Southgate, Private Client Manager at Blevins Franks. 
Find out more about Andrew on their website.



 Andrew Southgate      

Is this the beginning of the end for low interest rates?
Monday, 13 November 2017

On 2nd November, the Bank of England increasedthe UK interest rate for the first time in over ten years. Having lifted onlyfrom 0.25% to 0.5%, this is by no means a seismic shift, bringing it back tothe previous historic low set in March 2009 and marking a 104-month run ofrates below 1%. However, this represents a gear change in the Bank's outlookfollowing a decade where down has been the only direction for interest rates.

When is your tax freedom day?
Thursday, 19 October 2017

If you have ever had the feeling that you spent half your working lifejust to pay tax, you are probably not far wrong.  What with income tax, nationalinsurance/social security, capital gains tax, VAT, council tax, excise dutiesetc, a considerable amount of our hard earned income is lost in tax eachyear. 


If you are lucky enough to be retired you are still faced with tax onyour savings, investments and pensions, not to mention the amount we pay in VATeach year.  Having paid so much tax allyour life, you will not want to pay any more tax now than you absolutely haveto - tax planning is an important part of protecting your wealth in retirement.

Substantial reduction for succession tax in Andalucía
Thursday, 19 October 2017

Andalucía is about to become an even more attractiveregion to live in.  Once confirmed in the2018 regional budget, in the majority of cases spouses, children and parentswill escape this unpopular tax completely.

Moving to Spain? 7 questions that could save you money
Wednesday, 20 September 2017

If you are planning on moving to Chiclana de la Frontera, or have recently done so, you have made an excellent choice. There are so many benefits to living here, and Spain can offer tax-efficient opportunities too.


Make the most of these opportunities and avoid costly mistakes by considering these seven questions.

UK keeps tight rein on QROPS pension transfers
Wednesday, 20 September 2017

Latest efforts from the UK government to tighten the rules for pension transfers should have little impact on Britons living abroad.

Expatriates still have the right to move UK pension funds into an approved Qualified Recognised Overseas Pension Scheme (QROPS) without paying UK taxes or penalties. Currently, no UK charges apply for EU/EEA residents transferring to an eligible QROPS within the bloc, or for non-EU/EEA residents transferring to a QROPS based in their country of residence. However, HM Revenue and Customs (HMRC) impose an ‘overseas tax charge' of 25% for unapproved QROPS, or penalties at least 40% on transfers to other unregistered schemes.

Spanish tax harmonisation – Some possible future guidelines
Wednesday, 02 August 2017

The Spanish tax regime allows the Autonomous Communities to adjust some rules and tax rates, for example income  and wealth tax rates, and also rates, allowances and reductions for succession and gift tax.  As a result there are substantial tax differences between regions, making some areas much more beneficial, tax wise, to live in than others.

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