Many of us have spent years aiming towards a financially secure retirement, where we can sit back and relax and enjoy some down time with loved ones. Unfortunately, the rising costs of living and pension shortfalls mean we’re not as able to enjoy our latter years as we may have hoped- never mind indulging in …
We’ve all heard of “side hustles” as a way to boost income. From crafting and selling your creations or filling out online surveys in return for vouchers or cash payments, many of us are looking at ways we can boost our incomes in a world of increased costs. Though none of these alone will have …
One of the biggest challenges you may face when trying to capital raise when your lender may not give you a Further Advance (when you take on additional borrowing from your current mortgage lender) and large early repayment charges may stand in the way of re-mortgaging. Whether the money required is for debt consolidation, home …
Could a second-charge Mortgage help navigate significant early redemption charges? Read More »
There are different types of power of attorney and you can set up more than one. Ordinary power of attorneyThis covers decisions about your financial affairs and is valid while you have mental capacity. It is suitable if you need cover for a temporary period (hospital stay or holiday) or if you find it hard …
For the majority of homeowners, a mortgage is their biggest monthly outgoing, yet almost a third are not aware of how much they pay in interest each month. In recent research, it has been found that British homeowners could save more than £2,000 on average this year by remortgaging to a fixed-rate product at today’s …
Homeowners you could be saving on average this year £2,000, on your mortgage payments Read More »
With the average price of both petrol and diesel once again hitting new record highs this month, rising to 152p/L and 155p/L respectively according to the RAC**, it’s more important than ever to save on filling up by buying in the right place. And, if you take steps to make your car more fuel efficient, …
Making your car more fuel efficient to tackle the rising fuel costs Read More »
Let-to-buy is when you rent out your existing home and buy a new one to live in.Essentially, it involves having two mortgages at the same time. You convert your existing mortgage to a buy-to-let mortgage so you can let out your current home, and then take out a standard residential mortgage on the home you’re …
Though the traffic light system across the globe has made holidaying in 2021 more complex, the opening of destinations with sandy beaches and crystal blue seas, as well as the dip in British temperatures, have got many of us thinking “I need a break!” But not only are holidays difficult to navigate at the minute, …
Saving Savvy: Plan for your 2022/2023 holidays now! Read More »
Everywhere you turn there are articles and stories on the rises in the cost of living. The rise in rates impacting the mortgage market is no different. Rates do indeed continue to climb, however not at the frightening pace it is often depicted. Rates are rising from the lowest rates we have seen in some …
For many of us, the huge surge in energy prices is worrying. Such significant uplifts on our monthly outgoings can have us digging around behind the sofa for loose change in an attempt to counterbalance the increase. There are some small ways you can begin to recoup some of the money lost to the increase …
Black & Gold Financial Services Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority.
Black & Gold Financial Services Limited is registered in England and Wales no: 11034815. Registered address: 197 Elliott Street, Tyldesley, Manchester, M29 8DR
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK
We care about your experience. Fill in your details and we’ll contact you shortly.
We care about your experience. Fill in your details and we’ll contact you shortly.