15th September 2022

Approach mortgages for over-65s positively

Are you over sixty-five and finding it challenging to get a mortgage? You’re certainly not alone, according to recent findings1.  With the number of people in the UK aged over 65 soon expected to surpass those aged 18 and under, just 37% of potential borrowers aged 65 and over are offered the size of loan […]

7th September 2022

Demand for energy-efficient properties strengthens

A growing proportion of house hunters are focusing on energy-efficient considerations when looking to buy a new home. Research1 suggests that rising energy prices and the cost-of-living crisis are having a significant impact on how buyers prioritise various desirable features, with an increasing number focusing on aspects related to energy efficiency. Key features Cavity wall […]

1st September 2022

Sandwich generation: how are you?

The sandwich generation are certainly used to challenges and putting other people’s needs before their own. However, cost-of-living challenges look set to heap further pressure on this group which makes it vitally important they seek advice before taking any rash decisions which could sacrifice their financial futures. Stiff upper lip Research1 suggests that, although many […]

23rd August 2022

Considerations when buying new builds

Demand for new builds is on the up due to more people seeking energy efficient homes, but research1 has revealed other factors people wish they had considered before purchasing a new build. Top of the list (36%) is researching the property manager as well as the developer, closely followed (35%) by checking out the parking […]

Good to know – JISA to adult ISA transition period

Currently a Junior Individual Savings Account (JISA) can be held by a child until the day they turn 18, the annual allowance for which is currently £9,000. On their 18th birthday, the child can open an adult stocks and shares ISA, the annual subscription which is currently £20,000. All pretty straightforward. Now, for the interesting […]

17th August 2022

Five common mortgage myths

Getting a foot on the property ladder is an aspiration that dates back generations. Unfortunately, some mortgage myths are just as old. If you’re looking to buy in 2022, it’s important to know fact from fiction. 1. MYTH: You need a perfect credit rating A bad credit history can have a negative impact on your […]

Know your pension numbers

With so many financial priorities to juggle, it can be hard to put your pension first, especially with spiralling household costs. Starting or maintaining your pension contributions is important. Whatever type of pension plan you have, you get tax relief at the highest rate of Income Tax you pay on all contributions you make, subject […]

11th August 2022

Don’t give up your protection policy

With households facing the biggest squeeze on their incomes in many years, it’s understandable that families are looking for ways to cut costs. When looking to cut back, reviewing subscriptions and direct debits (for example, for streaming services, food subscription boxes or gym memberships) is often a good place to start, but there is one […]

1st August 2022

Home Finance – In the news

The great bungalow shortage Demand for bungalows has increased over 60% in 20221, while supply has flattened, meaning prices for single storey properties has risen at double the market rate in some areas. Popular because of their large gardens and potential to extend, families are now keen to make offers, debunking the myth that only […]

25th July 2022

Money – In the news

‘Side hustling’ becomes the norm Nearly half (46%) of people are supplementing their income with a ‘side hustle’, according to recent research1. The phrase, which originated in the United States, means taking on a part-time job in addition to one’s regular job in order to make more money. Of those who have a side hustle, […]