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Guide: 7 key allowances you might want to use before the end of the 2025/26 tax year

Guides

The new tax year will start on 6 April 2026, and many of your important allowances and exemptions will reset. Checking whether you could use these valuable allowances before the end of the 2025/26 tax year on 5 April 2026 might help your money go further.

Before you make any decisions, ensure that you understand which allowances fit into your financial plan and suit your goals. If you have any questions, please contact us.

Read this guide to discover seven allowances and exemptions you may want to make the most of before the end of the current tax year, including:

  1. ISA allowance
  2. Junior ISA allowance
  3. Dividend Allowance
  4. Capital Gains Tax Annual Exempt Amount
  5. Marriage Allowance
  6. Pension Annual Allowance
  7. Inheritance Tax annual exemption

Download your copy here: 7 key allowances you might want to use before the end of the 2025/26 tax year

Please get in touch if you’d like to speak to us about your allowances for the 2025/26 tax year and beyond.

Please note: This guide is for general information only and does not constitute advice. The information is aimed at retail clients only.

Please do not act based on anything you might read in this guide. All contents are based on our understanding of HMRC legislation, which is subject to change.

What our clients say

I would like to thank EBS and their staff for providing an excellent service, making the minefield of my various pensions seem like an easy task and for keeping me updated on the progress. I would not hesitate in recommending them to anyone looking for pension advice.

Trust and expertise were my key needs for re-establishing my financial portfolio following a divorce. The replacement life cover and complete evaluation of my pension goals were perfectly designed and implemented to suit my changed circumstances. Well done EBS!

Honest and comprehensive financial advice given with no pressure to buy any products. Reasonable fees for advice and ongoing costs. Very happy with the services given.

Many thanks for taking so much time to meet and discuss our retirement funding plans with us yesterday. The detail of the analysis was very impressive, and you and your staff are to be congratulated on a very professional job.

Our grateful acknowledgements are due for the advice and support proffered by the EBS team and everyone we met at entry, all very courteous, personable and a pleasure to meet.

The ‘Portfolio Report’ that EBS offers has made understanding and managing the family budget so much simpler. It gives a detailed summary and breakdown of our overall financial position, which is so helpful when cross-referencing it.

Thank you for your very comprehensive letter and schedules.... I must reiterate my thanks for all you have done for me.

Many thanks indeed to you and EBS for doing your very best for me. I know I am in safe hands with you. It really is very much appreciated!

I would also like to thank you all for the work in getting this organised for us. I know it has not been easy but I really appreciate it all.

We are really grateful for your perseverance with what turned out to be a pretty long and complicated process! You were brilliant at answering our questions as we decided what to do with these funds, and you helped hugely with negotiating across the companies we were dealing with.

Many thanks for your continued support and guidance. We really do appreciate 'having' you.

FR, Lanark

JS, Glasgow

IM, Dunbartonshire

RS, Biggar

BW, Skelmorie

MP, Glasgow

BA, Salisbury

MR, Glasgow

NM, Glasgow

EP, London

RG, London

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