Be honest, being your own boss is the dream, isn’t it? No soul-crushing commute into Manchester if you don’t feel like it, the freedom to choose your projects, and the ability to work in your pyjamas (we won't tell anyone). But then you decide you want to move house or buy your first place in […]
Mortgage Advice for the Self-Employed: How to Get a “Yes” from Lenders in 2026 Read More »
Be honest, when you first went self-employed, did mortgage applications even cross your mind? You were probably thinking about invoices, tax returns, building your client base, and whether you'd actually make it work. Then a few years fly by. Now business is thriving. You're earning well. And you're ready to buy a home (or remortgage)
Today, 7th August 2025, the Bank of England has voted to reduce the base rate to 4.0%. This decision comes in response to a cooling labour market, with unemployment rising to a four-year high of 4.7%. While inflation remains elevated at 3.6%, above the Bank’s 2% target, the move is intended to support the wider economy and for many
📉 Base Rate Drops to 4.0% – What This Means for Your Mortgage Read More »
Your Money, Your Safety NetLife can be unpredictable. Whether it’s a sudden job loss, an illness, or a big, unexpected expense, being financially resilient means you’re ready to weather the storm. The best part? A lot of these you can ‘set and forget’, meaning with a budget in place, you can enjoy your holiday or
Stay calm and financially resilient Read More »
If you’re self-employed in the UK, income protection and critical illness cover are extra critical. You don’t have the safety nets that employees do. Like statutory sick pay (SSP), employer sick leave, or workplace health benefits. But of course, no matter your employment status, income protection and critical illness cover add extra support when you
Managing money and bills self-employed can feel like a juggling act. Especially since you don’t have steady pay or the automatic deductions for things like taxes and national insurance. However, with the right systems in place, you can stay on top of your finances and ensure everything is paid on time. Here are some tips we’ve
Here are some tips for managing bills and finances when you don’t have a regular income Read More »
Maybe you’ve spent a bit of time putting together your business. Now everything is going well, you wouldn’t want something unexpected to get in the way? This is where insurance can help. Of course, we are big believers in setting up these support systems. If you’re self-employed in the UK, building and contents insurance is
Work habits in the UK continue to evolve and change. And so, the mortgage industry is addressing concerns from the self-employed. Guess what? Did you know you can get a mortgage if you are self-employed? You may just need to get some extra steps in place. But we are here to help and get you
Now set at 4.5%, the Bank of England’s Monetary Policy Committee (MPC) has voted to cut the bank’s base interest rate. What does this mean for you? Let’s take a closer look: On 7th February 2024, economists on the bank’s MPC unanimously called for a cut in interest rates. They voted 7-2 in favour of
The Bank of England announces its first base rate cut of 2025 Read More »
In this quick overview, we go into the reasons why everyone in the family should have income protection. Income protection is a policy that will cover you financially if you can’t work due to sickness, injury, or disability. Did you know that in an ideal world, everyone in the family will benefit from full coverage? From the
Why does everyone in the family benefit from income protection? Read More »