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Busting remortgaging myths. Your circumstances have changed – will you be able to remortgage?

We all know life doesn’t stay the same. Our jobs, our relationships, our financial circumstances, they all evolve over time. So if our lives are constantly changing, why should our mortgage stay the same? Your life may have completely altered since you last remortgaged. You might be earning more or less than before, earning from [...]

Life after your Fixed Rate mortgage. What happens when your mortgage deal expires?

Life after your Fixed Rate mortgage. What happens when your mortgage deal expires? If the end of your fixed rate mortgage is on the horizon (even if it’s months away), then it’s a good idea to start looking at your options today. If you haven’t got a new deal in place when your fixed rate [...]

Newsletter-May

Why diversification is key when inflation rises

To stay ahead of rising costs and maintain your assets’ purchasing power, your portfolio needs to provide positive returns. Diversification can help you achieve this. What is diversification? Diversification is investment jargon for the well-known proverb: “don’t put all of your eggs in one basket”. While a well-diversified portfolio doesn’t give you guaranteed downside protection, [...]

It’s not all fixed rates

With over 10 years of record low interest rates, fixed rate mortgages offer borrowers the stability of knowing what the mortgage payment will be for a set period, which helps with budgeting. Because of the way many lenders decide what rates to offer, we’re currently seeing tracker products priced a lot more competitively than fixed rate [...]

How financial advice adds more value to your life than you may realise

The cost of living crisis is causing many to re-evaluate the benefits of financial advice. Traditionally, the value of financial advice has been measured by monetary results of investment performance and returns. Today, the cost of living crisis is causing many to re-evaluate the benefits of financial advice. These days, financial planning is about more [...]

Newsletter-March 2023

Spring Budget winners and losers

The Chancellor, Jeremy Hunt, has delivered the next part of his plan: “a Budget for long term and sustainable growth”. Read on to find out who were the winners and losers from the 2023 spring Budget. Winners Over-50s returning to work In his speech, the Chancellor said that “older people are the most skilled and [...]

Think twice

Think twice: Why cancelling your financial protection during the current cost of living crisis could be a bad idea Centuries ago, Benjamin Franklin announced that “By failing to prepare you are preparing to fail”. This is especially true when it comes to ensuring your personal finances are protected from the rainiest of days. However, with [...]
Tax

Make the most of your tax wrappers

It’s a good idea to know how your investments are taxed when selling them. Here are some of the ways you can organise your assets to make them tax efficient. One of the worst things about earning money is that you have to pay tax. Whether it’s your salary or the interest you’ve earned on [...]

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