The Financial Conduct Authority (FCA) have recently brought in rules ensuring firms can no longer ‘price walk’ their policies, meaning they can not continue to increase renewal prices year on year, especially where new customers are often seen to be paying considerably less in insurance premiums compared to customers with upwards of 5 years loyalty …
Home and motor insurance: how the new changes could affect you Read More »
Over 55s could be sat on more equity in their homes than they realise, especially given the house price growth seen in 2021. The two main products available to those heading into their retirement years are Lifetime Mortgages (more commonly known as Equity Release) and Retirement mortgages. With the equity release lifetime mortgage, people don’t have …
It’s not too late to be considering New Year’s resolutions for 2022. Maybe you’re looking to give up junk food, or instill a new workout regime? But if you’re looking toward home ownership this year, check out these four things to consider when prepping to buy your first home. Have you saved a big enough …
What you need to know about being a first-time buyer Read More »
The pandemic is still raging on across the world and we’re sure many are beginning to assess the damage the past 2 years have caused not only to their health, their loved ones and their socialising, but more so their circumstances and finances. The furlough scheme while benefiting many has left lots of us facing …
Could Equity Release aid your financial recovery? Read More »
The Buy-to-Let market has gone through some periods of change in the last few years, but there are many reasons a Buy-to-Let could be a great choice for you. You could earn rental income between 3% & 8% depending on the area.** At the same time, you could generate capital growth as your money grows …
3 little tips to help make magic this Christmas, without breaking the bank Free festive fun.Money Saving Expert have created a great list of 20 things to do that don’t involve spending a fortune. As for most of us, it’s the magic and memories created that make Christmas what it is. From driving round to …
In a year that has certainly got us thinking about the future, we turn our attention to our loved ones, and how we can cement plans in place for them. New research from Macmillan Cancer Support has revealed that nearly 2 in 3 UK residents have yet to write a will and make their final wishes …
With the likes of Greta Thunberg, Sir David Attenborough and even Prince Charles making recurrent pleas for us to save our planet, it is difficult to ignore the crisis our natural world faces. It can often be thought that ‘going green’ can be more costly but we’ve got a few handy tips to saving both …
Our children and grandchildren inevitably receive toys for their Christmas presents be it from Father Christmas, Granny and Grandad or other loved ones, and we know the costs can soon mount up. Check out these handy tips for saving money this year: 1. Shop around!Many shops charge varying prices, utilise online facilities such as Google Shopping, …
Ensuring your credit score is healthy is a major step to tick off before applying for a mortgage. While it isn’t impossible to get a mortgage with bad credit, it certainly makes it more difficult.We’ve complied a few tips & tricks to help get your credit score squeaky clean ready for that mortgage application. And …
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.