While having bad credit can certainly make it more difficult to get a mortgage, it’s not impossible. When you have a poor credit history, you are more limited on which mortgage deals you can access, in turn this can lead to more costly options. What is bad credit? If you have ‘bad credit’, or a […]
Bad credit? Can you remortgage? Read More »
News surrounding our finances and more so what happens with our finances at Government level, can be particularly confusing. We have sourced a list of tax changes coming this year so you can plan for financial changes on the horizon. The freeze on the personal allowance, and the basic and higher-rate income tax thresholds in
Tax Changes of 2023 to look out for Read More »
What is mortgage life insurance? A Level term policy fixes the amount paid out for the length of the policy. These policies tend to be more expensive, as they pay a defined lump sum if you die within a fixed time, for example, £200,000 if you pass within the next 18 years. However, this could
Mortgage Life Insurance . Decreasing Term vs Level Term Read More »
2022 undoubtedly wreaked havoc with many of our finances with the cost-of-living expenses rising and interest rates causing uncertainty in the mortgage market. So, with a New Year now underway, it isn’t too late to set our New Years’ resolutions for your finances to help combat the ongoing cost increases. Check out our handy list
Financial New Years’ Resolutions Read More »
Have you outgrown your home? Relocating to a different area? Perhaps you’re looking to downsize? No matter the reason, 2023 could be the year of the New Home for you and your family. Why would you port your mortgage? Most likely because you are tied into your current mortgage deal. This means if you were
New Year, New Home? What it means to port your mortgage to a new property Read More »
As we pull together plans for Christmas and often, we are looking to spend it with our loved ones. But what if the worst were to happen, would your loved ones still be able to have a Christmas? Protecting your family’s finances can ensure the least disruption to those events that can be particularly difficult
Ensure your family can continue Christmas magic for years to come- no matter what Read More »
While we’re not quite at Christmas yet, many of us will have made a big dent in our Christmas shopping to do list, but at what expense? Budgets this year are significantly tighter for many households, and many will have turned to borrowing via credit cards, store credit and loans to afford a Christmas like
Debt consolidation following Christmas spending Read More »
Writing life insurance in trust is one of the best ways to protect your family’s future in the event of your death. Your life insurance policy is a significant asset, and by putting life insurance in trust you can manage the way your beneficiaries receive their inheritance. Here, we take you through the benefits of
Putting Life Insurance in Trust Read More »
From streaming your favourite films to getting your fill of coffee, many people find paying for a range of subscriptions normal now. But the costs are creeping up. A total of 1.51 million video services were cancelled in the first three months of 2022, with more than half a million of these due to ‘money
Save Money on your subscription costs Read More »
The Bank of England Base Rate has been in the news several times in as many months, and with it has been a lot of noise around mortgages and what the Base Rate increases means for mortgage rates. Not much of this has felt like good news, but as we have said previously: ‘we’re here
The Value of advice in the current mortgage climate Read More »