Critical Illness Cover is something we are passionate about. Protection is crucial to safeguard against future uncertainties. We understand this isn’t a topic you want to dwell on, so we’ve made it easier for you! You might have heard that Critical Illness Cover is too expensive or that insurers are unlikely to pay out. However, …
Making a will is the only way to ensure your money, property, possessions, and investments (known as your estate) go to the people and causes you care about. Let’s look at some top questions… Q: How do I value my estate? Your will should cover your whole estate, so it’s a good idea to draw …
We’d love to hear your thoughts on this topic. Did you have enough budget in place? Anything you would have bought more or less of? Recent research says the average cost of having a child in the UK is around £223,256! That’s about £12,400 a year, or £1,030 a month. Unsurprisingly, childcare makes up a …
All ready for the tennis this month! Do you have your racquets and balls ready to go? What about insurance? Have you thought of personal accident plans for your children? It’s not something you like to think about, but it’s on all parents’ minds. Whether it’s watching your little one save a goal, seeing them …
Standalone Children’s & Adults’ Personal Accident Plans (Hive) Read More »
Part of our ‘stay safe and stay smart’ campaign naturally includes insurance. With the cost of living skyrocketing, we look at which insurance you really need, plus how to save money without facing expensive premiums. While income protection insurance and employers’ liability insurance both pay for disabilities, income protection is not limited to disabilities or …
Recent research from MetLife UK shows a large gap in income protection. Over half of working parents don’t have a financial plan in place if their child experiences illness or injury. The research shares that 50% of parents wouldn’t be able to survive longer than three weeks without pay if they had to take time …
Are you covered if your children need time in hospital? Read More »
Let’s dive in. Have you considered how maternity leave could impact your mortgage? We are here to help with our key strategies and tips. You’ve got lots to plan and prepare for with the arrival of a bundle of joy. Let us take the stress out of your mortgage worries as we clear up a …
Is your mortgage budget in place for maternity leave? Read More »
Property buyers are forced to compete hard in many markets. So, how can you improve your chances of securing your dream home? Here are five tips to beat out other buyers: Have a home loan pre-approval in place. This will make you look more attractive in the eyes of estate agents. Positioning you as a …
Top tips: how to improve your chances of securing your dream home Read More »
For ultimate peace of mind in an emergency, don’t forget Income Protection Insurance when buying a home. Income Protection Insurance serves as a financial safety net. If illness or injury stops you from working, this insurance provides an income. It’s usually a percentage of your pre-tax earnings, depending on how much cover you take out. …
You’ve secured your pre-approval and found your new home. But have you got your insurance in place? There is no legal requirement to take out insurance when you get a mortgage except for Buildings Insurance. But basic insurance is still needed before you move in! At the minimum, your lender will want to see Building …
What insurance do you need in place to buy a home? Read More »
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Black & Gold Financial Services Limited is registered in England and Wales no: 11034815. Registered address: 197 Elliott Street, Tyldesley, Manchester, M29 8DR
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