Autumn Budget 2025: What Businesses Should Be Thinking About Now

With the Autumn Budget taking place on Wednesday 26 November 2025, businesses and individuals alike are starting to look ahead at what could be one of the most defining financial moments in recent years.

Against a backdrop of slow growth, easing inflation, and a fiscal shortfall estimated at tens of billions of pounds, the Chancellor faces tough decisions, balancing the need to support investment and productivity with keeping public finances on track.

While no details have been confirmed, many expect the Budget to include measures to raise revenue, alongside initiatives aimed at boosting productivity, sustainability, and regional growth, although this is just speculation at this point.

 

Key Areas to Keep an Eye On

Employment and Personal Taxation

Possible changes to National Insurance thresholds, income tax bands, or dividend tax rates have been discussed and, whilst we understand that Rachel Reeves has now confirmed there will be no increase to income rates, there is still uncertainty.
If you’re a director or owner-manager, reviewing your remuneration and dividend strategy now can give you the flexibility to respond quickly once the Budget is announced.

Inheritance and Business Property Reliefs

Pre-Budget discussions have highlighted further potential reforms to Inheritance Tax and reports suggest the Government is considering introducing a cap on lifetime gifts that qualify for IHT relief.
In light of this, and the previously announced changes to APR/BPR and pensions, it is wise to review Wills and succession plans now to help ensure your arrangements remain effective under any new rules.

Investments

Rumours suggest that a reduction in the annual cash ISA limit from its current £20,000 could be on the agenda.

If you are considering paying into an ISA you may want to consider doing this before Budget day.   

Green and Regional Investment

The government has signalled ongoing support for sustainable growth, clean energy, and regional development, which could create opportunities for businesses ready to invest in these areas, when the time is right.

Actions to Consider Before 26 November

• Review dividends and remuneration – Think about whether it makes sense to finalise payments or remuneration plans ahead of the Budget.
• Check life insurance and estate plans – Make sure life cover, business valuations, and inheritance arrangements are up to date and fit for purpose.
• Maximise allowances – Use existing ISA and pension allowances.
• Model potential scenarios – Consider different Budget outcomes and how they could affect tax, profit, and cash flow, so you’re ready to act quickly.

Be Ready to Respond

While it’s natural to anticipate changes, remember that nothing is confirmed. Acting too soon on speculation can create unnecessary risks and complications later. Taking a measured approach and seeking advice before making decisions is often the best way to stay prepared without overreacting.

At RMT Accountants & Business Advisors, we’re already helping clients across sectors plan ahead, model different outcomes, and strengthen their financial position before the Autumn Budget.

Need help preparing? Reach out to our team today and make sure you and your business are ready for whatever 26 November brings.