Who has benefited from Help To Buy?

The latest statistics1 show the scheme has  helped over 220,000 home-buyers. The average house price across the scheme is £191,000, illustrating that it’s helping people buy at the lower end of the housing market. With the government having pledged earlier in the year to fix the UK’s “broken housing market” it’s welcome news that over … Continue reading “Who has benefited from Help To Buy?”

Why do we forget about life insurance?

It’s a funny thing, insurance.  Most people insure their car, house & contents, holiday, carpets and so on, but what is the most valuable thing in your house? In these current times of austerity who wants or needs to pay out yet another monthly premium especially on something like insurance we will never spend!  Yet … Continue reading “Why do we forget about life insurance?”

Three Ways to Cope with Losing Buy-to-Let Tax Relief

The game has changed for many buy-to-let landlords. From April 2017 the change to buy-to-let tax relief started being phased in, which could translate into a big loss of profits for many with rental properties. What can you do about it? It used to seem as if buying to let was a licence to print … Continue reading “Three Ways to Cope with Losing Buy-to-Let Tax Relief”

How to start investing

Investing can appear complicated. However, if you get a few important and relatively simple things right then you could be well on your way to success. Many first-time investors place too much emphasis on deciding when to invest, worrying about economic or political events or trying to anticipate market peaks and troughs. This makes investing … Continue reading “How to start investing”

From student loan to your first pension and mortgage

You go to university because you want a good job and career. But what you won’t necessarily learn is how to adapt to your new life earning money and being financially responsible. Here are the top tips about work and finance that every graduate should know. There are many daunting aspects of graduating from university. … Continue reading “From student loan to your first pension and mortgage”

Seven power tips for pension planning

If you think life is looking more and more like Tales of the Unexpected, don’t despair. It’s still possible to take control of your own future – by understanding how pension freedom works. They say predicting the future is a mug’s game. They have a point. Just a couple of months ago, if I’d suggested … Continue reading “Seven power tips for pension planning”

Retirement regrets and how to avoid them

First, the good news. Research1 shows that nine out of ten recent  retirees are really enjoying their retirement. Freed from the  restrictions of working life, they can pursue their hobbies, take lots of holidays and spend more time  with their families. Where people have regrets, it’s often to do with the way they planned for … Continue reading “Retirement regrets and how to avoid them”

Buy-To-Let – Where are we now?

The buy-to-let market looks set to change in the coming years as April’s tax changes start to bite.  Buy-to-let landlords have already faced changes in Stamp Duty Land Tax in England and Wales, and Land and Buildings Transaction Tax in Scotland. New landlords, or those wanting to take on new loans, will also find themselves … Continue reading “Buy-To-Let – Where are we now?”

How your family can help you buy a home

Your parents would love to help you onto the property ladder – they just don’t have a huge lump sum to give you. Fortunately there are other ways for them to help, from guarantor mortgages to family flexible mortgages. We take you through the main options, and their pros and cons. As a first-time buyer … Continue reading “How your family can help you buy a home”

Will the Lifetime ISA help you buy your first home?

There’s a new ISA in town: the Lifetime ISA. Designed to help both first-time buyers and people saving for retirement, it’s certainly an ambitious idea – but does it deliver, and what are the drawbacks? Let’s take a look at this ISA’s finer points. If you’re a 20-something or 30-something in the UK today, you … Continue reading “Will the Lifetime ISA help you buy your first home?”