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.
With the coming years set to see record flows of assets pass down the generations, the thorny issue of wealth transfer has inevitably become an increasingly important financial topic. Seeking professional advice is a crucial step that can ease any inheritance planning anxieties and facilitate the transfer of assets in the way that you want. ‘Great wealth transfer’ The next
Despite volatility in the mortgage market caused by last year’s mini Budget, interest in mortgages has remained stable. While high inflation and the Bank of England’s decision to continue to increase the base rate could serve to dampen this level of activity this year, there are still a high number of products expected to mature. As such, thousands of mortgage
Something to consider? As we ease into summer, it can highlight how important it is to protect your household income. No matter your occupation, employed or self- employed – there is a solution for you and your circumstances as you can protect your ability to earn an income. Especially while the cost of living continues to rise, how would you
Savers will be able to invest up to £60,000 of their income into their pension each year, thanks to recent pension reforms announced in the March Budget, as part of a wider package of reforms designed to tempt early retirees back into the workforce. What type of income can I invest into my pension? Pensions are a desirable means of
With the coming years set to see record flows of assets pass down the generations, the thorny issue of wealth transfer has inevitably become an increasingly important financial topic. Seeking professional advice is a crucial step that can ease any inheritance planning anxieties and facilitate the transfer of assets in the way that you want. ‘Great wealth transfer’ The next
An increasing number of older homeowners are choosing to release equity with cost-of-living pressures still the main reason for tapping into the value of their home. Equity release allows over-55s to access some of the value of their home as tax-free cash. In total, homeowners used equity release to borrow £6.2bn in 2022, a 29% yearly rise. Since 2017, the
How a guarantor-backed mortgage could help After more than 10 years, the current Help to Buy scheme in England is coming to an end (it is set to continue in Wales, albeit in a different iteration). Introduced in 2013 in an attempt to kick-start a sluggish housing market still struggling to recover from the effects of the financial crisis, the
With a lifetime mortgage, you can use your home to fund what’s important to you. You might have heard about ‘releasing money from your home’ through equity release. But what do you actually know about it? There are a whole load of ifs, buts and uncertainties around this type of financial arrangement. So we’re here to help you pull apart
Largely unknown, yet widely available, the Additional Permitted Subscription (APS) is a highly beneficial allowance for surviving spouses or civil partners of ISA investors. This legislation grants ISA holders the ability to pass the entire value of their ISA to their partner after death. Simply put, the Additional Permitted Subscription (APS) works in the form of a one-off increased ISA
This new tax year brings with it many changes to state pensions – some small, others significant.Salaries, benefits and pensions have been affected as new rates and new levels of taxation came into effect. State Pensions have changed. That’s important, as for millions of retired people across the UK, State Pensions are their primary source of income. These changes will