It pays to get advice

Buying a house involves making lots of decisions, some simpler than others. Finding the right house in your chosen location can be the easy part, finding the best and most suitable mortgage deal for your financial circumstances can prove to be more of a headache. With so many mortgage deals available in the market how … Continue reading “It pays to get advice”

Don’t underestimate the value of insurance

Insurance policies are designed to provide financial safeguards and valuable peace of mind. If you’re a homeowner then it makes sense to have plans in place that protect you, your family and your home. LIFE INSURANCE TAILORED TO YOUR NEEDS There are various plans designed to protect you and your family: Life policies – these … Continue reading “Don’t underestimate the value of insurance”

Preparation is key to stress free home buying

A recent industry survey1 showed that 41% of people feel stressed by the mortgage process, taking the fun out of looking for a new home.  Although applying for a mortgage can involve alot  of paperwork, and the new affordability rules introduced by the industry regulator in 2014  mean borrowers face many more detailed questions before … Continue reading “Preparation is key to stress free home buying”

Death in Service vs life insurance: which is better?

Your employer may offer you a benefit known as ‘death in service’, which would pay out to your loved ones if you were to die while employed there. But how does this differ from ordinary life insurance – and is it a substitute? Employee benefits can be a big factor in choosing which company to … Continue reading “Death in Service vs life insurance: which is better?”

Looking for a mortgage in later life

With people getting on to the property ladder at all stages in life, a growing number are looking for mortgage finance in their 50s and beyond.  This has created demand for greater flexibility, and lenders are now beginning to address the needs of this age group. THE OLDER BORROWER Following the Mortgage Market Review in … Continue reading “Looking for a mortgage in later life”

Early Retirement? It may soon be a thing of the past!

According to analysis by Aviva1, the number of people retiring before they reach age 65 is set to continue decreasing rapidly. The insurer calculates that by 2035 almost no one will be able to afford to retire early. Higher life expectancy, the demise of final salary pensions and a rising state pension age are contributing … Continue reading “Early Retirement? It may soon be a thing of the past!”

Are you bad with money? One in ten Brits confess they are.

Many of us it seems aren’t great at managing our finances; according to a recent survey1, putting away money for the future never quite makes it to the top of the ‘to-do’ list for one in ten of us. Researchers polled 2,000 UK adults and, despite the age of austerity, found many were “blindly” spending … Continue reading “Are you bad with money? One in ten Brits confess they are.”

How can parents cover the cost of Private School Fees?

August is the month when many parents as well as pupils nervously await  A-level & GCSE exam results.  The grades achieved can have a massive effect on those pupils lives and future careers.  Ensuring their child gets the best start in life with a good education can be something many parents start planning from the … Continue reading “How can parents cover the cost of Private School Fees?”

Six mistakes people make about life insurance – and why getting the right cover matters

Sadly, many people get put off the idea of taking out an insurance policy for a variety of reasons, overlooking the valuable security and peace of mind that having the right cover in place can provide. IT WILL COST TOO MUCH The good news is that life insurance isn’t nearly as expensive as many people … Continue reading “Six mistakes people make about life insurance – and why getting the right cover matters”

Don’t let jargon put you off saving for your retirement

One reason for the lack of pensions awareness could be the system’s perceived complexity. Just getting to grips with the financial jargon associated with pensions can be a hurdle for many people looking to plan for their retirement. If you’re feeling perplexed by pensions, here we explain a few commonly-used terms. DEFINED BENEFIT PENSION A … Continue reading “Don’t let jargon put you off saving for your retirement”