30th August 2018

You are insured, aren’t you?

If you’re a homeowner, it makes sense to have plans in place that protect you, your family and your home. Insurance policies are designed to provide financial safeguards and valuable peace of mind. LIFE INSURANCE TAILORED TO YOUR NEEDS Life policies provide a tax-free cash lump sum for those you leave behind in the event […]

Pensions jargon – busted

No one should be deterred from planning for their retirement by the jargon used in the pension industry. Happily, we are well versed in turning complex financial terms into plain English. Here we unravel a couple of terms that you may have come across and be unclear about. ANNUITIES When you retire, you can choose […]

16th August 2018

Mortgage options for the over 55s

Following the Mortgage Market Review in 2014, banks and building societies were required to adopt stricter lending criteria and affordability checks, and as a result many lenders restricted both their maximum borrowing and repayment age. FACTORS TO TAKE INTO CONSIDERATION Whatever their age and circumstances, older borrowers will need to go through the usual checks […]

12th July 2018

One in ten Britons admit they are bad with money – how to buck the trend

A recent survey1 has shown that for many, building up their savings is not top of their agenda. Everyone should think about putting some money aside for emergencies, and for the bigger things in life like the deposit on a home, a child’s education or a wedding. So, for most of us having some cash that […]

22nd June 2018

More women are working into their 70s

In yet another sign that retirement is becoming an increasingly fluid concept, figures from the Office for National Statistics show that the number of women working past the age of 70 has doubled in the last four years. The abolition of the compulsory retirement age in 2011 has meant that many more workers, men and […]

21st June 2018

Why mortgage protection insurance makes sense

Life can be expensive these days. The list of bills families have to pay is a long one and it soon adds up; there’s the mortgage, council tax, food and energy bills for starters. And then there are often credit card bills, personal loans, transport costs, holidays and perhaps school fees too. So, if your […]

15th June 2018

Pension scams persist – take note

Scammers are out in force again, trying to part us from our pension savings. One in six pension holders in the UK have been contacted by a company – other than their pension provider – to discuss making changes or transferring their pension, according to the Pensions and Lifetime Savings Association (PLSA). They report that […]

Mortgage advice for the self-employed

The growth of what’s been dubbed the ‘gig’ economy has led to more people joining the ranks of the self-employed and becoming small business owners. In the past, it could sometimes be more difficult for people who don’t have set employment and salary patterns to get a mortgage. However, times are changing and more lenders […]

30th May 2018

Money doesn’t grow on trees – teaching your children the value of money

Financial literacy isn’t a skill that we’re born with. Learning how to manage money effectively requires acquiring a few important life lessons that parents can pass on to their children from a relatively young age.   EARNING AND LEARNING It makes sense to encourage children to handle cash as soon as possible to help them […]

23rd May 2018

Two-thirds without life insurance despite health worries

A recent ‘Health, Wealth and Happiness’ report1 shows that poor health (29%) and concerns over family members’ health (24%) top the list of things likely to impact happiness, above the sudden death of a family member or friend (24%), terrorism (23%) and the impact of Brexit (17%). Despite health worries topping the list of concerns […]