Welcome to our blogs which relate to the financial services you may be interested in from mortgages to pensions; protection to auto-enrolment and many more. So why not grab a drink and enjoy the read.
NS&I has announced that, from the December 2020 Premium Bonds prize draw, they are stopping prize payments by warrant (like a cheque) and will be paying prizes straight into customers’ bank accounts instead. It’s quicker, easier, and safer than waiting for a cheque to arrive in the post. They will be doing this in phases, and by March 2021 will
The government introduced an immediate temporary Stamp Duty Land Tax (SDLT) holiday in England and Northern Ireland until 31 March 2021 by raising the threshold above which the main rate of SDLT is payable from £125,000 to £500,000. For second homes, the 3% additional rate will continue to apply. The Scottish Government has since announced that they have increased the
Last year Aaron Tawny held an Investment seminar at the Park Hotel in Kettering. This year sadly COVID-19 has put the dampers on our plans. As we are all having to think outside the box in these challenging times, we decided we would bring the seminar to you in the version of a webinar. We have two brilliant speakers from
The vision of the Pensions Dashboards Programme could not be simpler. Its aim is to enable individuals to access all their pension information online, securely and all in one place, thereby supporting better planning for retirement and growing financial wellbeing. However, the delivery challenges underlying this vision are significant even more so in the current circumstances. Delivering this valuable service
Want to move, need to move, family needing deposit monies for purchase? No savings? Unable to get a mortgage? If the above sounds familiar, there are new styles of Equity Release schemes that will help achieve any of the above. So being that little bit older now helps! Recently we have received several enquiries from older clients looking at ways
Do you want your savings to work harder, but feel uncomfortable with taking any investment risk? – then a Flexible Offset Mortgage could be for you… Very simply described, an Offset Mortgage is a way of using the credit balances in your savings and current accounts including ISAs, to help reduce the mortgage balance you are charged interest on. By
The coronavirus pandemic has already prompted a third (33%) of people in the UK into either drafting a new Will or amending an existing one, according to a new study from Handelsbanken Wealth Management. Handelsbanken suggested that the crisis is having a wider effect by making families more open with their finances, with 78% of people believing the pandemic will
The annual subscription limit for Junior ISAs and Child Trust Funds has increased, quite substantially, from £4,368 to £9,000 (meaning that 16/17-year-olds can have £29,000 in total (including £20,000 to a cash ISA) added to these tax-efficient shelters in 2020/21.
Global stock markets are suffering a period of volatility as a result of the COVID-19 outbreak. Although markets do not respond well to periods of uncertainty, what is certain is that volatility goes hand in hand with stock market investment; and although market movements can be concerning, experience teaches us to expect the unexpected. Calm & collected To navigate market
In the current climate, there is uncertainty in all of our lives with both health and financial concerns. However, while we are all understandably focusing on the here and now, it might be worth using this time to take a step back and review your long-term financial wellbeing as well. This newsletter takes a look at some of the areas