What Capital Gains Tax  changes could mean for you

Capital Gains Tax: What First-Time and Experienced Investors Should Know Ahead of the Autumn Statement 2025

With potential changes on the horizon, here’s how upcoming CGT adjustments could affect your financial plans and what steps you can take now.

As we approach the UK’s Autumn Budget on November 26, many are speculating about potential changes to Capital Gains Tax (CGT). While the Chancellor has yet to confirm any adjustments, understanding the possible scenarios can help you plan ahead.

What Could Change?

Recent discussions suggest that CGT rates might increase, particularly for higher-rate taxpayers. Currently, the lower rate stands at 10%, and the higher rate at 20%. If these rates rise, it could impact the tax you pay when selling assets like property or investments. Additionally, there’s talk of reducing the annual exemption allowance—the amount of gain you can realise before CGT applies. Lowering this threshold means more of your gains could become taxable.

Why It Matters

These potential changes aim to address the UK’s fiscal challenges, including a projected £41.2 billion deficit for the current year. By adjusting CGT, the government seeks to increase tax revenue without raising income tax or National Insurance contributions. However, such changes could affect your financial plans. For instance, if you’re considering selling an asset, a higher CGT rate or a reduced exemption could influence your decision.

What Should You Do?

At Cohesion, we’re here to guide you through these uncertainties. If you have questions or need assistance in planning, don’t hesitate to reach out

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