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Nobody likes to think about catastrophe scenarios such as death, serious illness, or even losing a job. But failure to ...

Many people do not make wills. The most common reasons for this are procrastination, fear of tempting the ‘Grim Reaper’, ...

Do you know how much you want, need and will leave after your death, and how you are going to ...

Meet Sarah, a successful professional with a thriving career and a busy life in London. On the surface, everything seemed ...

Let me tell you a story about Tom, a successful businessman who spent his life working hard, saving diligently, and ...

Nobody likes to pay unnecessary taxes, but are you taking advantage of all available methods to reduce your tax bill ...

Imagine you’re at a dinner party. You’re catching up with old friends, and the conversation turns to investments. You listen ...

During my career in financial planning, I have found that many investors take far more risk with their money than ...

Many of us recognise the immense value of a personal trainer in the fitness world. They provide personalised workout plans, ...

Once you have identified your desired lifestyle, the next step is to establish how you will fund it, which brings us ...

In today's complex financial landscape, managing investments wisely is crucial. Yet, for many, the world of portfolio management can seem ...

The Inheritance Tax Gifting Allowance is a set amount of money that you can give away each year without this ...

Five tips on using gifts to reduce inheritance tax As the saying goes, it’s better to give than to receive. ...

The five fundamentals for leaving money to your loved ones There’s an old saying that nothing is certain except death ...

Once you have identified your desired lifestyle, the next step is establishing how you will fund it, which brings us to financial ...

As I mentioned in my first blog in this series, financial planning is about ensuring that when you have one ...

Three tips for passing your pension on to your loved ones Do you consider your pension an asset like property, ...

How much is enough to support your lifestyle? If you don't know, you don't have a financial plan. Do you ...

Many people invest their money to get the best returns possible, and the financial services industry encourages this (it helps ...

Will I have an inheritance tax bill? It's a common misconception that inheritance tax only affects the extremely wealthy. However, ...

Retirement has long been considered the golden years of one's life, a period to enjoy the fruits of decades of ...

There has been a significant rise in the number of homeowners tapping into property wealth through equity release schemes. The ...

Life transitions, such as getting married, having children, changing careers, or retiring, can be exciting and challenging. Life-centred financial planning ...

When applying for a mortgage, lenders must be sure they know whom they are lending to and that you won’t ...

There are a number of reasons that you may need to get a house valuation done. The four most common ...

Remortgaging your house can generate huge savings. But it's important to know what you're doing before you get into the ...

Relevant Life Insurance is a type of life insurance that is owned and paid for by a business. It provides ...

A recent study carried out by MoneySuperMarket estimated that 800,000 people are currently spending more on their mortgage than necessary. ...

Using an Equity Release scheme to release capital from your home is a good way for those over 55 to ...

Financial worries can be a primary cause of stress for many employees. Money worries don't just affect an individual's financial ...

Defaqto is a service that compares financial products. Defaqto Ratings are ratings based on facts rather than opinions. Ratings are ...

Did you know that eight out of ten mortgage holders have no income protection at all? That is a shocking ...

A house in multiple occupation (HMO) is a property rented out by at least 3 people who are not from ...

If you are thinking about purchasing or borrowing against, a Buy To Let property, it may be in your interest ...

Getting a Buy To Let mortgage as an older borrower can be more difficult but it's definitely not impossible. There ...

When you take out a mortgage there are two ways of repaying it. You can either go for an interest-only ...

Joint Venture Funding, often referred to as Equity Development Finance, is where two or more developers pool their resources to ...

If you are a foreign national, a non-UK passport holder living and working outside the UK, looking to invest in ...

Getting a mortgage as an expat living in the UK isn't always easy as many lenders will view you as ...

Not only does debt consolidation simplify your monthly budget, it could save you thousands in interest charges. But, there are ...

If you're looking to get a mortgage and have a friend or family member who is willing to help you ...

If you're a first-time buyer, you could get up to £3,000 towards buying your first property with a Help to ...

A mortgage broker is a financial adviser who offers advice to those specifically looking to take out a mortgage. When ...

The FCA released a press release on Friday 22nd May 2020, any these impact you and do you need to ...

A remortgage is where you take out a new mortgage, often with a different lender, on a property that you ...

Taking out a Lifetime Mortgage is a big decision, which is why it's always worth talking to a mortgage advisor ...

Research carried out by the Equity Release Council found that single women over 55 accounted for 25% of new equity ...

A national survey recently conducted by Which? found that over 1/3 of mortgage borrowers are unaware that a remortgage could ...

Did you use a broker last time you took out a mortgage? According to a recent study by Legal & ...

We've seen the terms Equity Release and Lifetime Mortgage used interchangeably a lot recently. So we put this article together ...

The cash tied up in your home could help you have the retirement you've dreamt about. A growing number of ...

To avoid getting into trouble, or losing money, it's vital to keep up to date with the latest law changes ...

Equity release has become highly popular in recent years. Those over the age of 55 can use equity release plans ...

Worrying about what will happen to your family in the event of your death can be incredibly stressful, putting life ...

Applying for equity release isn't always a smooth process. There are a lot of options out there from multiple lenders, ...

It's easy to forget about remortgaging and to therefore end up on your bank's standard variable rate mortgage. But remortgaging ...

A question that's important to ask about ANY form of loan. There are an increasing number of loan options on ...

Not all care costs are state funded and it's never too soon to start planning for your retirement. Forecasts show ...

According to Zoopla, converting a loft would typically set you back around £20,000, while swapping the garage for living space ...

Almost 60% of women do not engage in aspects of their financial well-being: investing, insurance, retirement and other long-term planning. ...

New research by Canada Life Home Finance has shown that home owners taking out equity release mortgages on their properties ...

The number of people buying their first home has hit its highest level in 12 years according to data from ...

Each year one million people in the UK find themselves unable to work due to a serious illness or injury. ...

Since tuition fees trebled in 2012 students have been graduating with loans averaging £50,000 if maintenance costs are included. If ...

It's important to find an advisor you know, trust and can rely on to put your needs first. We are ...

Did you know that you can get a mortgage that has both of your names on it rather than just ...

The costs that build up over time with an equity release plan could be significant, with some initial charges too. ...

Yes, you can use equity release to help support family members. Equity release is a means of retaining use of ...

According to a study by price comparison site Confused.com women are paying less for car insurance than men because they ...

There are plenty of things to think about when it comes to getting a mortgage. Should you be using the ...

New research has found that there is a £15bn gap between the value of investments made by millennial and generation ...

The simple answer is yes, yes you can use equity release to buy a second home but you still need ...

A recent study by Consumer Intelligence found that 18% of consumers in the UK are considering cutting back on their ...

Over £1bn of housing wealth was unlocked between June and September 2018 and equity release lending is showing no signs ...

The simple answer, yes! Carers - non-professional people who are looking after family or others who are sick, elderly or ...

Equity release has become quite a popular option for people who are looking to release capital from their properties without ...

A pilot course that was set up in Wales to help parents teach their children about money also improved parents’ ...

Many are putting their families at potential risk should the worst ever happen. This was among the findings from price ...

If you're dreaming of a holiday home in the sun equity release is one option that could help you fund ...

Philip Hammond has delivered his third Budget as chancellor, here are some of the key takeaway points... The personal allowance ...

Before you apply to borrow money it's always a good idea to make sure your credit rating is in good ...

Let me give you a quote to ensure your mortgage and bills are covered. Call me on 0203 003 5161 ...

Alongside the gender pay and gender pensions gaps emerges the gender protection gap. Women are underinsured compared to men and ...

Your circumstances may have changed since you first took out your mortgage. You may be able to pay off more ...

Interest rates for savers have been pushed up to their highest level in almost three years whilst the change is ...

All brokers should be aware of the HMO licensing changes that came into effect on Monday this week. Any property ...

If you're an employer you're in a unique position to offer help to your employees so that they can manage ...

The latest results from a BDRC Continental's Landlord Panel survey show that mortgaged Buy To Let landlords generate an annual ...

Equity release schemes have increased in popularity throughout 2018 and if it's something you're considering here are 10 things you ...

https://www.youtube.com/watch?v=pdo68qrEJNs Only "1 in 3 respondents own insurance to protect against illness/disability". There is growing concern about the number of ...

An increasing number of lenders have been lining up to release a new wave of home loans that let older ...

Zurich UK has revealed that millions of UK adults do not feel financially resilient and that they would not be ...

New research by Epoq Legal reveals that 32% of those surveyed have pet insurance compared to a quarter with some form ...

If you're over the age of 55 and looking to free up cash from your property to fund home improvements, ...

Although life insurance is not compulsory for mortgage holders, it's highly recommended to make sure the mortgage is paid off ...

Remortgaging is when you take out a new mortgage on a home you already own. This allows you to replace ...

A good credit history gives you a good credit score which means you should have easy to access to credit, ...

Your credit rating is based on your information only. Where you live, your neighbours and past tenants of your home ...

Older homeowners now have an extra home finance product to consider - retirement interest-only (ROI) mortgages. These products allow homeowners ...

According to research from Scottish Widows more than 58% of men in the UK with dependent children have no life ...

Building up a credit history is not always easy. And, whilst the conventional method would have been to take out ...

Post Office Money is offering up to £120,000 worth of free life insurance to parents with a child/children age four ...

Retirement mortgages are starting to appear on the market as the Treasury is set to give its backing after saying ...

1. Late payments Late payments will be flagged up to potential lenders. Whilst a single late payment should not have ...

Your credit report is like a CV of your borrowing history that gets updated on your behalf. It exists to ...

An offset mortgage delivers a tax-free savings return by setting your savings and current account against your mortgage debt. As ...

There has been a significant rise in the number of homeowners tapping into property wealth through equity release schemes. The ...

Comparison sites have become increasingly popular when it comes to sourcing building insurance, but, are they getting you the best ...

Yes, is the simple answer, and in many ways. Today we're going to talk about how your credit report can ...

If you've been refused credit in the past you may be concerned that your past may affect your future. This ...

Welcome to My Finance Centre. My Finance Centre is an easy to use, platform that will help you to manage ...

We are delighted to announce that we are now an official intermediary for HSBC. We are one of few, FCA ...

There are changes you need to know about... From 1st April landlords will need to ensure their properties have an ...

Despite the changes being made to buy-to-let tax, due to be phased in by 2020, buy-to-let landlords will still enjoy ...

On 1 April new regulations will come into force making it illegal for landlords to start new tenancies without the ...

Despite the fact that house prices are expected to fall in 2018 there has been a steady increase in mortgage ...

Ombudsman Services is a multi-sector organisation that provides dispute resolution services for sectors including communications, energy and copyright licensing sectors. ...

New figures show that £3bn of cash was taken out of British properties in a year for the very first ...

One in three over-65s plan to make sure their home is 'retirement ready', according to new research from Key Retirement. ...

We are living longer, healthier and more active lives nowadays and some of us work well past 65 seeing as ...

Increasing numbers of older homeowners are using equity release schemes to release tax-free cash from their properties. The equity released ...

Millions of Britons are still paying money every month into a basic type of insurance called an over-50s life plan, ...

Looming interest-rate rises and a stagnant housing market mean first-time buyers could end up trapped and paying some of the ...

The number of homeowners opting for a variable rate when they remortgage has dropped 75 per cent over the past ...

Not EVERYONE needs life insurance. But, if your children, partner or other relatives depend on your income to cover the ...

Home reversion involves a company buying your home or a part of it. In return you get a cash lump ...

A lifetime mortgage is when you borrow money secured against your home, provided it’s your main residence, while retaining ownership. ...

Due to the fact that property values have risen over the long-term equity release is a good way for older ...

Millions of Britons are still paying money every month into a basic type of insurance called an over-50s life plan, ...

First time house buyers will no longer need to pay stamp duty on properties worth up to £300,000. Mr Hammond ...

The Bank of England has recently increased interest rates from the record low of 0.25 per cent to 0.5 per ...

There are 1.9 million limited companies in the UK and around 78% of these employ no more than four people. ...

The recent rise in interest rates from 0.25% to 0.5% could add an extra £22 a month to average variable ...

New figures reveal the number of people aged 35 and under that are taking out life insurance has increased from ...

Looming interest-rate rises and a stagnant housing market mean first-time buyers could end up trapped and paying some of the ...

Nearly 2 million self-employed people in the UK are unable to save any money each month leaving them vulnerable to ...

According to LifeSearche’s 2017 Health, Wealthy and Happiness report more than two thirds of the UK adult population either don’t ...

Higher-rate taxpayers can no longer offset all their mortgage interest against rental income before calculating the tax due. This will ...