Identity theft is a type of crime where someone’s personal and financial data is obtained and used without their permission. To limit your exposure and protect yourself from identity theft, it’s important to learn how it occurs and to recognize the warning signs that signal fraud is developing. Here are some tips on how to …
Chancellor Jeremy Hunt’s Spring Budget 2023: A Focus on Growth Chancellor Jeremy Hunt announced his first Budget in the House of Commons on the 15th March, which aimed to encourage those who have left their jobs to return to work and promote business investment. The Budget also includes measures related to fuel, alcohol, pensions, wages, …
Interest-only mortgages are a type of mortgage where the borrower only pays the interest on the loan, and not the capital. This means that at the end of the mortgage term, the borrower still owes the original amount borrowed. In the 1990s, there was a boom in interest-only mortgages, and many homeowners who took out …
Equity Release could help you repay your interest-only mortgage? Read More »
If you’re considering fixing your mortgage term, now may be a good time to do so, with mortgage rates dropping below 4% for the first time since last September. Some of the UK’s biggest banks have cut rates to offer market-leading deals for borrowers looking to remortgage, with five and 10-year deals below 4%. In …
As rates start to come back down, how long should you fix for? Read More »
Equity release has gained popularity among homeowners who are in their retirement years and wish to access the equity in their home without having to sell it. The cost of living continues to increase, and inflation has hit double digits, making equity release a valuable solution for supplementing retirement income. According to a recent study*, …
Equity Release: Unleashing the Potential of Your Home’s Equity Read More »
Saving money for the future is crucial for financial stability and security. Here are some top tips for families looking to build their savings: Saving money is a critical step towards securing your family’s financial future. By following these tips, you can start building your savings today and create a more secure tomorrow.
First-time homebuyers may find it difficult to secure a mortgage due to the high cost of a deposit. However, there are several government-backed schemes available to help first-time buyers purchase a property. The Help to Buy scheme, which was launched in 2013 and allowed first-time homebuyers to purchase a property with just a 5% deposit, …
“Total debt held by over-55s up by almost 20% in five years” Recent research carried out by Later Life Lender more2life and economics consultancy Cebr has revealed that that the total amount of debt owed by the over-55s will rise to £294bn this year, up from £272bn in 2021 and £209bn in 2017. This is …
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 …
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 …
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