9th September 2021

Equity release availability hits record high

The number of equity release products on the market is the highest it has ever been, with rates over two percentage points lower than five years ago. Data1 shows that the number of equity release products now exceeds 500 – the highest on record. The analysis also reveals that the maximum available LTV has remained […]

Taking the emotion (and colour!) out of investment decisions

The psychology of investing is fascinating. There are so many behavioural traps that investors may find themselves falling into as markets fluctuate and knee jerk reactions take hold. The anchoring trap is a prime example, where investors over rely on their perceptions of an investment which may be totally incorrect, rather than being flexible in […]

26th August 2021

Social media and the younger investor

The Financial Conduct Authority (FCA) is concerned about the influence social media is having on younger investors, who it believes are taking on significant financial risks. This younger, more diverse group of investors, it said, is highly reliant on social media platforms such as YouTube, Instagram and TikTok for investment tips and advice, but lacks […]

25th August 2021

Keeping up with the Joneses? – your personal goals matter more

Did the way some people tend to crave and display material success all start with yuppies and Harry Enfield’s ‘Loadsamoney’ character in the 1980s? No, it goes back much further, to 1913, when a New York Globe comic strip ‘Keeping Up With the Joneses’ first appeared and created an enduring, meaningful expression. Envy about others’ […]

17th August 2021

Mortgage myth-busting

When it comes to taking out a mortgage, there are lots of myths flying about – especially when it comes to that all-important deposit.  We’re here to bust those mortgage myths and help you onto the property ladder. You need a huge deposit to get a mortgage There’s a prevailing belief that you need a […]

Stay one step ahead

Nearly a third of homeowners (31%) would only consider purchasing protection insurance if they fell ill1 – too late to support them financially if they couldn’t work. Other triggers for taking out protection cover include a change in employment status (25%) or having an accident (24%), while 22% say there is no circumstance that would […]

12th August 2021

Mortgage guarantee scheme reassures lenders

Launched in April 2021, the government guarantee scheme for 95% loan to value (LTV) mortgages has been welcome news for prospective homebuyers with a 5% deposit. The scheme offers a government ‘guarantee’ on 95% LTV mortgages to encourage cautious lenders to bring back these deals. The guarantee applies to the portion of the loan over […]

4th August 2021

Holiday season is officially on (but make sure your home is protected)!

With the limited resumption of international travel prompting a flurry of holiday bookings, whether you’re raring to fly or sticking with a staycation, make sure you don’t leave your home vulnerable. With lockdowns preventing us from going on holiday for much of the past year, it’s little wonder we’re all desperate to get away. However, […]

Multi-jobbers – listen up!

Workers on lower salaries with more than one job are at risk of a poorer retirement, as they miss out on employer pension contributions, a new study has concluded1. Excluded from auto enrolment Auto enrolment was introduced to encourage people to save more in their pensions during their working years. Under the scheme, employers are […]

In the News – Home Finance

Investing in your garden It seems that gardens have become more important to UK homeowners during the pandemic1, with 58% saying that their garden has become more of a priority, resulting in a willingness to spend considerably more on their outdoor space. Just 12% of homeowners normally spend more than £600 on their garden each […]