Here are common mortgage myths debunked to help you navigate the home-buying process confidently. Chat with us to go into these in detail and for advice specific to your circumstances. Myth: You Need a Huge Deposit (at least 20%)Reality: While a larger deposit can get you better rates, many mortgages are available with lower deposits: Myth: You […]
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Take the stress out of insurance by using a broker. We can help you decide on the best policy for you with our years of knowledge and experience. Don’t forget — we help families every day! An insurance broker is a professional ‘middle-person’ working independently. The benefits are almost endless. The main one is that you
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With everyone feeling the pinch due to the cost-of-living crisis, it can be tempting to rely on credit cards and loans to make ends meet. But has the situation spiralled, with debts now outpacing your income? In this article, we discuss ways to get help with managing debt. Our first recommendation is to speak with
Let’s go through one of the biggest tax-raising Budgets in history. With the new government underway, our current Chancellor Rachel Reeves announced the 2024 Autumn Budget set to increase taxes by £40billion—we haven’t seen one this big for over twenty years! There is a lot to discuss. Contact us for a detailed and personalised guide
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Did you know you can use equity release for gifting? Also known as a lifetime mortgage, you can help your children/grandchildren have the wedding of their dreams. It may also fund your income for the year. So this could help you take time off to help the kids. Or help you plan and enjoy your
How much does a wedding cost today? Did you know you can use equity release for gifting? Read More »
“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
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While many of us may have become incensed by or frustrated with our spouses during the last two years’ increased time at home, many have also felt the need to file for divorce. In fact, the latest ONS data has revealed that in the over 65s, there has been a 46%* Year on Year increase
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As we get older our needs change. We may find we have less stability and some of us may even see our overall health in decline. Does that mean you (or your loved ones) need to leave your home and move into residential care? Not necessarily. What if you could receive care at home and
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Many of us have spent years aiming towards a financially secure retirement, where we can sit back and relax and enjoy some down time with loved ones. Unfortunately, the rising costs of living and pension shortfalls mean we’re not as able to enjoy our latter years as we may have hoped- never mind indulging in
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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
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