April 2019
Have you got the protection policies that you need? It pays to begin thinking about insurance cover once you take on financial responsibilities such as buying a house, or starting a family. If you weren’t able to work and earn money due to illness or injury, how long would you and your family be able…
Read MoreApril 2019
Mortgage overpayments can help you pay off your mortgage sooner and can significantly reduce the amount of interest you pay over the course of your loan. The amount you overpay goes towards repaying the mortgage itself, not on any interest you owe. Research from Santander1 shows that if a borrower took out a £200,000 mortgage…
Read MoreApril 2019
Retirement can seem decades away in your forties, but it generally starts to seem an awful lot closer once you reach your half-century. Although pension planning should ideally begin the day you start work, more often than not, it starts in earnest when people enter their fifties. By this stage they have often reached peak…
Read MoreNovember 2018
BE AWARE OF PENSION SCAMS! You may have seen the TV advert addressing pension scams. The figures make stark reading, with the average amount lost being £91,0001. The government had planned to introduce a ban on cold-calling, one of the most frequent ways in which scammers contact their victims, but this is now unlikely…
Read MoreNovember 2018
A FAIR PRICE? If you’re thinking of selling your property this autumn, then it’s vital to get your house in tip-top condition and make sure you offer it for sale at the right price. With more properties now coming to the market, buyers have more choice. This means that homeowners need to put in…
Read MoreNovember 2018
BUY-TO-LET – WHAT DOES THE FUTURE HOLD? Being a buy-to-let landlord is much tougher than it once was. Many landlords entered the market a few years ago, attracted by the low interest rates they were charged for borrowing money, and the tax relief that was available to them on their mortgage interest payments. However,…
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