If you’re considering selling property, shares or a business, the November 2025 Budget could be a turning point. Rumours suggest the government may raise Capital Gains Tax (CGT) rates, so now is the time to review your plans and explore Capital Gains Tax planning UK options.
Possible CGT changes in 2025:
- Higher CGT rates – potentially moving closer to income tax levels.
- Tighter reliefs – Business Asset Disposal Relief (BADR) has already been reduced and may be tightened again.
- Lower annual exemption – currently only £3,000 per year, and it could drop further.
- Asset-specific rules – property, shares, or other high-value assets might face higher rates.
Why these CGT changes matter:
If the Budget brings these adjustments, you could see:
- Higher tax bills on property, shares, or other investments.
- Reduced relief if you plan to sell your business.
- Fewer tax-free gains each year.
Smart Capital Gains Tax planning steps:
Thinking of selling or transferring assets? Good Capital Gains Tax planning can make a real difference:
- Review your assets – identify investments with large unrealised gains.
- Use your annual allowance while it’s still £3,000.
- Consider timing – selling before the November 2025 Budget could save tax.
- Get professional CGT advice – tailored guidance ensures you’re making the right moves.
The bottom line
With possible CGT changes on the horizon, acting before the Budget could reduce your tax bill. If you’re already planning to sell property, shares, or other investments, reviewing your options now could mean keeping more of your hard-earned gains. The Towers & Gornall team can help you review your portfolio, plan disposals and structure sales to stay ahead of any November announcements.
