Chances are, unless you are in the industry or have already lost a loved one, you haven’t heard of probate before. It’s a lengthy legal proceeding before the courts to settle wills. A grant of probate is sometimes needed when valuable assets, such as property and shares, are left in a will. It’s a process that …
What is probate and could it affect a Life Insurance claim? Read More »
Technology is changing the general insurance industry. It is completely transforming how insurers operate, interact with customers, and assess risk. Are you curious? Keep reading to find out more! From AI-driven claims processing to integrating Internet of Things (IoT) devices for personalised coverage. The future of general insurance is filled with technological innovations! Here’s an in-depth …
How technology is sharing the future of general insurance Read More »
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 »
With insurance premiums increasing, it’s a great time to review your policy. Did you know that if you contact us, we may be able to find you a cheaper deal? Or even, we might be able to find you more benefits for the same fee. That’s one of the advantages of going through an advisor. …
It’s time to check your policy is up to date with insurance premiums on the rise Read More »
The festive season can bring all sorts of financial stress. But with these tips, we hope you can take the stress out of it and enjoy the precious time with your family. Many Brits are feeling the pinch from the rising cost of living, with essentials like fuel, groceries, and running the home on the rise. …
Five easy ways to save money this festive season Read More »
There has been a 6% increase in combined buildings and contents insurance since last year. In the current economic climate, inflation is affecting everything, and homeowners across the UK are feeling the pinch—making peace of mind more critical than ever. We are constantly scanning the market to find the best insurance deals, so contact us …
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 …
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 …
As part of their Autumn Statement, the government announced that the 95% Mortgage Guarantee Scheme has been extended until the end of June 2025. In the full Autumn Statement document, the government announced that it “will extend the scheme for an additional 18 months until the end of June 2025 to continue helping prospective borrowers …
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 »
Black & Gold Financial Services Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority.
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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