Protection

Protect your family and your lifestyle in case of the unexpected

Mortgages

Looking to move home or reduce your current mortgage outlay?

Retirement Planning

We can help you plan by ensuring you have the best pension scheme possible now and at retirement

Investments

With so many choices, leave it to us to help make your money work harder for you.

Commercial

We can support your business development plans with advice on growth, restructure and commercial lending

Your home may be repossessed if you do not keep up repayments on your mortgage

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Auto Enrolment Q&As

When is it happening?

Automatic enrolment has been rolled out, in stages, across all employers, since October 2012.  Employers have been given a date from which they must auto enrol (known as their 'staging date') by the Pensions Regulator.

What is the staging date?

The staging date for pensions auto-enrolment for each employer is based on the number of people in its PAYE scheme on 1 April 2012. The larger the employer’s PAYE scheme, the earlier the staging date. It is important for employers to note that, even if the number of people in their PAYE scheme changes between 1 April 2012 and their staging date, the staging date stays the same. By October 2018, all existing employers will be required to offer workplace pension schemes to eligible workers.

Will employers have to contribute?

From their staging date, employers must auto enrol eligible employees in a pension scheme when they reach the income tax threshold but contributions will kick in only from the employee threshold for national insurance contributions.

Employers will be able to operate a three-month postponement window for all employees (ie newly eligible existing employees and new employees), so that employees on short-term contracts do not need to be auto-enrolled in a pension scheme, although they will be able to opt in voluntarily during the postponement period.

How much must employers and employees contribute?

The minimum total contributions under automatic enrolment have been set down by the Government and are set to increase between now and April 2019. Your employer must pay some of the minimum total contribution. If the employer doesn't pay all of the minimum total contribution, you will need to make up some of the difference.

If your employer decides to pay only the minimum amount, the minimum total contribution, as a percentage of your qualifying earnings is:

Your employer pays: 1.0% of your qualifying earnings until 6 April 2018 rising to 2.0% until 6 April 2019 then rising to 3.0%*

You Pay: 0.8% of your qualifying earnings until 6 April 2018 rising to 2.4% until 6 April 2019 then rising to 4.0%*

The Government adds tax relief of: 0.2% of your qualifying earnings until 6 April 2018 rising to 0.6% until 6 April 2019 then rising to 1.0%*

Total contribution: 2.0% of your qualifying earnings until 6 April 2018 rising to 5.0% until 6 April 2019 then rising to 8.0%*                                                                    *subject to parliamentary approval

Employer Staging Dates

You can find out your staging date here: staging date for pensions auto-enrolment 

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Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future.

Phil Harmer, April 2017

Thank you for putting together an investment portfolio of cash, stocks, shares and property.

Geff, Newport

My critical illness policy covers everything I need and took into account my lifestyle and income - thank you!.

Teresa, Llanelli

Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future.

Phil Harmer, April 2017

Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable

Steve Allan March 2018

Dan cut through the jargon and was always there to respond to my questions; his work has helped my dream of buying a house come true.

S & K Jones, Swansea

It was so nice to find someone who was happy to listen to all of my questions and concerns before we agreed on a plan of action.

Christine, Swansea

Thank you so much for obtaining our mortgage, for persevering for so long and not giving up on us. We will be eternally grateful that we can finally live in the family home again.

Rebecca and Darren, Swansea 2017

Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!

Dr Brazier, Liverpool, Sept.2016

Gary provided excellent advice and assistance with a complex purchase. He understood the timescales and sourced lending when others could not.

James, Swansea

We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

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