At Rose Financial Services, being recognised as a specialist mortgage brokerage and independent financial adviser, it is accepted that we are and will remain abreast of any developments affecting the products and services we provide to our clients. In recent weeks and months there have been some changes that I would like to summarise for you. The content can sometimes be complex so, if you want further details and specific advice for your own personal circumstances, please contact us.

1) EU Savings & Tax Directive

In August of this year the EU implemented a little advertised but significant piece of legislation to reduce some of the tax avoidance that has existed for years via numerous international or