We understand that the current challenges we are all facing in light of the ongoing cost of living squeeze and the rise in interest may be causing some concerns and uncertainties, but we want to assure you that we are here to help and support you during these times. Our main goal is to ensure …
Supporting you through the cost of living squeeze and rising interest rates Read More »
When it comes to home insurance, there are a lot of misconceptions that can lead homeowners to make uninformed decisions about their coverage. Let’s take a closer look at some of the myth and set the record straight: Myth #1: Home insurance is only necessary if you own a house. Even if you don’t own …
Income protection is a crucial aspect of personal finance that is often overlooked by many people. It is the process of securing your income in the event of unforeseen circumstances that may mean you are unable to work. These circumstances can include accidents, illnesses, or disabilities that prevent you from earning an income. Income …
According to the Office for National Statistics, as fixed rate deals come to an end in 2023, over 1.4 million households with a mortgage are at risk of rolling onto their lenders Standard Variable Rate (SVR) and paying significantly more than they would if they didn’t look to remortgage onto a lower rate. If that …
Home Insurance is an essential policy that provides peace of mind to homeowners by protecting their homes and belongings against unforeseen circumstances. Homeowners Insurance can help cover losses that result from events such as fire, theft, or natural disasters. In this article, we will explore the recent changes in pricing policies for Home Insurance and …
Home Insurance: The Ultimate Protection Plan for Your Castle Read More »
Case study 1: First Time Buyer Meet John, a 28-year-old working professional who has just landed his dream job in Bedford. He has been renting a flat for the past five years and is ready to step on the property ladder. John has saved £25,000 and has a good credit score. He is looking for a …
Teaching children about money is an essential life skill that will serve them well as they grow older. It is never too early to talk to children about money and financial responsibility. In fact, studies have shown that children who are taught about money at an early age are more likely to be financially responsible …
According to recent research by Cirencester Friendly*, almost 23% of their claimants are aged 30 or under. This is an eye-opening statistic that highlights the importance of Income Protection for young people. Many of us don’t like to think about the possibility of becoming ill or injured, but it’s important to be prepared in case …
The importance of reducing greenhouse gas emissions and tackling climate change has led to a wave of regulations and policies aimed at improving energy efficiency in buildings. One of the key measures is the Minimum Energy Efficiency Standards (MEES) regulations, which have been in force since 2018 and require properties to meet a minimum Energy …
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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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