Protect your family and your lifestyle in case of the unexpected


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


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


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 

By clicking on this link you are departing from the regulatory site of Cosgrove Brown Financial Planning Ltd. Neither Cosgrove Brown Financial Planning Ltd nor Intrinsic is responsible for the accuracy of the information contained within the linked site.

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