Standard Variable Rate
The average homeowner moving from a specific mortgage deal onto their mortgage provider’s Standard Variable Rate (SVR) could save more than £2,500 a year in... Learn More
The difference between value and growth investing
Warren Buffet, sometimes known as the sage of Omaha, once claimed he preferred to “to buy a wonderful company at a fair price”. What he... Learn More
How a trust can help your financial planning
Writing a policy in Trust could be perceived as something that only the wealthy require, but the reality is Trusts can play an important part... Learn More
What’s stopping you from saving
Generally speaking, and subject to investment charges and performance, the more you save and the earlier you start saving the better shape your finances are... Learn More
The cost of retirement
How much money do you think you’ll need to receive each year of your retirement? According to the investment manager Schroders, working people in the... Learn More
The search for a reliable retirement income
It’s been over three years since the April 2015 pensions changes which scrapped compulsory annuities and gave pensioners greater choice over how to take their... Learn More
2018 Q2 Report
We’ve scoured the global news headlines to recap the most significant geopolitical and economic events which took place in the second quarter of 2018, as... Learn More
Auto enrolment contributions
The introduction of automatic enrolment in 2012 has led to a record high in pension participation, with more than 9.5 million people enrolled through the... Learn More
Are you thinking of downsizing?
According to a survey by Lloyds Bank, 45 per cent of empty nesters have no plans to downsize, despite the potential windfall moving to a... Learn More
Advice matters – whatever stage in life you’re at
The financial products and services we need to navigate through life will change with our circumstances. In the early years, our financial needs are likely... Learn More
The value of investment advice
Let’s be honest. Seeking advice on how to look after your money may not be as fun as the immediate thrill of spending it, but... Learn More
Don’t fall for a pension scam
Frank Field, Labour MP and chair of an influential parliamentary committee, has called for legislative action to help keep pension savings safe. This comes after... Learn More
Securing your company’s future
Business Protection is a crucial element in a company’s financial future, but how many have cover in place? According to a study from Legal &... Learn More
Freehold or leasehold: the ins and outs
When buying a property, you can do so either on a leasehold or freehold basis and there are important differences to be aware of before... Learn More
Going, going, gone to the auction!
If you think property auctions are only for professional property developers or investors think again. They can be a great place to pick up a... Learn More
Financial wellbeing in retirement
Financial wellbeing is an important factor when it comes to being able to enjoy life. While we’re earning, it’s possible to secure the living standards... Learn More
With protection comes choice
How many times have you heard the phrase “It won’t happen to me” when it comes to the chances of suffering a serious illness? Unfortunately,... Learn More
What’s your General Insurance start date?
When you’re in the process of buying a house, you might think the best time for your Home Insurance cover to kick in is on... Learn More
The path ahead for the global economy
Much has happened to keep us busy in 2018 so far, but there’s plenty to come in the second half of the year in terms... Learn More
The importance of diversification
With ISA season comes the usual fanfare in the money pages about which investments will deliver the best returns – peppered with the usual important... Learn More
It happened to him
Don’t let the ‘it won’t happen to me’ approach affect your decision on whether or not to take out critical illness cover. David thought he... Learn More
Auto-enrolment update
It’s reasonable to suggest that auto enrolment has been a major success story. In fact, more than 1 million employers and 9 million employees have... Learn More
Is now the right time to fix?
November 2017 saw the Bank of England raise interest rates for the first time in a decade, from 0.25 per cent to 0.5 per cent,... Learn More
Spring Statement
March has traditionally been the month for Budgets, but no longer. In Autumn 2016 the then new Chancellor, Philip Hammond made clear he thought the... Learn More
Taking a global view
Keeping your investments close to home may have its advantages, but only by looking globally can you be sure you’re making the most of diversification.... Learn More
Valuations vs Surveys
Buying a house… is a valuation sufficient, or should you opt for a full structural survey? Buying a house is probably the biggest financial purchase... Learn More
The value of protection
Buying a new home is possibly one of life’s biggest and most exciting events. It’s also a major financial commitment – one that could be... Learn More
Critical Illness cover can make a difference
If you’ve ever turned down a recommendation of critical illness because you can’t see the value of it, this real-life case study might make you... Learn More
Let Property Campaign
If you let out a residential property but haven’t declared the rental income, you might be interested in a new campaign from HM Revenue &... Learn More
Interest Rate Rise
In 2007 Bulgaria and Romania joined the European Union, Lewis Hamilton got his first drive in Formula 1 partnering with Fernando Alonso at McLaren, the... Learn More
High inflation hits workers and savers
Employment is at a record high, but UK workers are starting to feel the squeeze as wages fall below inflation for the first time since... Learn More
Plugging the protection gap
If you’re one of the increasing number of people who’ve become self-employed in recent years, you may have found the switch has left you without... Learn More
Investment advice – what a relief!
Every client we meet has a unique and varied range of financial planning needs, so it’s important to establish priorities as the first step towards... Learn More
Protecting your mortgage repayments
We think protection advice is imperative when you have a home or family you want to protect. So, talk to us about a mortgage and... Learn More
Are you retiring soon?
If you are planning on retiring soon there are a few things you may like to consider before you make any important decisions. Gather all... Learn More
Pension Advice Allowance
Financial decisions affecting your retirement income will be among the most important you’ll make during your lifetime and investing in timely financial advice could provide... Learn More
Buying for the first time?
For first time buyers, getting onto the property ladder may seem like a daunting process, but there is help available. With demand outstripping supply in... Learn More
Pensions for stay at home parents
Could you survive on £8,000 a year or less, in retirement? If you’ve given up work to look after your family, you’ll be among those... Learn More
Thinking of fixing your mortgage?
If you think an increase in your mortgage repayments could have a negative impact on your lifestyle or financial wellbeing, you may want to consider... Learn More
What’s the cost of a comfortable retirement?
Have you ever stopped to think about the monthly income you’d need to provide for a comfortable retirement? If you’re thinking it would be the... Learn More
Are Cash ISAs worth the investment?
After the Bank of England (BoE) cut interest rates to reassure the market following the Brexit vote, cash ISA returns plummeted. According to Telegraph... Learn More
Business Survival Planning
If something happened to you, your co-owners or employees, could your business survive? A study by Legal and General shows 40% of businesses would fold... Learn More
The downside of downsizing
The decision to sell up and move to a smaller property could come as a result of children flying the nest, the need to free... Learn More
Inflation: This time it’s personal
Much is made about the impact of inflation on the ‘real’ value of your income and investments. That is, the impact inflation has on your... Learn More
Time for an upgrade?
Have you upgraded your mobile phone in the past two years? If the answer’s yes, your choice may have been driven by a change in... Learn More
The new £1m Inheritance Tax allowance
In the wake of the 2015 General Election, the Conservative Party confirmed it would deliver on its Manifesto promise that parents could pass their property... Learn More
First-time savers
The news is always full of stats about first-time buyers: in 2016 there were an estimated 335,750 first-time buyers – the highest figure since 359,900... Learn More
Pensions for stay at home parents
Could you survive on £8,000 a year or less, in retirement? If you’ve given up work to look after your family, you’ll be among those... Learn More
The value of mortgage advice
With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go... Learn More
Risk Vs Reward
While homeowners can still benefit from low mortgage rates, savers will be struggling to enjoy any kind of growth on money they have on deposit,... Learn More
Achieving your financial goals
We lead complex lives in an increasingly complex world. As financial planning experts we can help you better understand your financial challenges, goals and needs,... Learn More
The value of mortgage advice
With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go... Learn More
Saving for retirement: as easy as 123
Much is made of the tax benefits of saving into a pension scheme but there are other benefits to consider. As many corporate pension schemes... Learn More
Protection through the years
When it comes to protection insurance, we hold two firm beliefs: it should form the foundation of your financial plan. cover should be reviewed regularly... Learn More
Pension death benefits
With the introduction of pension freedoms in 2015, we now have a range of options when deciding how to fund our retirement. But few of... Learn More
Winter accident protection
The cold and icy conditions of winter bring with them a greater risk of people injuring themselves when out and about. Outside risks Now the... Learn More
Parent Landlords
With house prices rising faster than salaries, the younger generation face having to find a much bigger multiple of their income to buy a home,... Learn More
What makes a good Buy to Let investment?
With property prices continuing to rise, Buy to Let can be an attractive way to invest. But whether buying your first Buy to Let property,... Learn More
Warm your pipes this winter
Make sure you avoid expensive damage caused by frozen and burst pipes by following our top tips for winter survival. If a pipe containing water... Learn More
New Year’s resolution
Many of us will have over-indulged during the festive season and will start the new year wanting to get healthier. Whether it’s stopping smoking, losing... Learn More
More People Owning Their Own Home
The latest English housing survey, released on 21 July 2016, shows that the number of people owning their own home has stopped reducing for the... Learn More
How to Save for the Retirement You Want
For most, during working life, financial well-being will depend on whatever they do to earn money. However, as well as securing the living standards you... Learn More
The Value of Financial Advice
Everyone is unique. We all think – and work – differently. Some people are good with words, and others, numbers. The same might be true... Learn More
Your Financial Countdown When Moving House
Moving house can be a very stressful time, packing and unpacking and making sure that children, pets and prized belongings make it to the new... Learn More
Essential Planning For Retiring Abroad
If your dream retirement is somewhere with more sunshine and less rain than the UK, then it may be time to ask yourself “how will... Learn More
When Can I Retire?
“How much do I need for my retirement” is arguably one of the most serious questions facing a working-age adult. The answer ultimately depends on... Learn More
Putting A Buy To Let Investment To Good Use
For many of us, financial uncertainty seems to be a key feature of life; saving and investing for the future in a time of low... Learn More
Save Like The Young Ones
Saving for a rainy day is what lets you buy an umbrella to keep you dry until the rain passes. Alternatively you may be saving... Learn More
Would You Want A Mortgage In Your 90’s?
Most mortgage borrowers aim to make sure their home loan is paid off by the time they retire. The idea of repaying a mortgage without... Learn More
Raise Money: Downsize To A Smaller Property
Your current home may well be the place where some of your happiest memories were created. Realistically, however, downsizing may be an excellent way of... Learn More
More Accessible Investing With Social Media
In the past ten years social media has become so all pervading that it seems to have seeped into every area of work and personal... Learn More
Flood Risk – Check Your Insurance
One of the grim inevitabilities of the winter months in Britain is the prevalence of flooding. Britain has experienced several years of above average rainfall... Learn More
Get To Grips With Your Pension Lifetime Allowance
As the song goes “I got bills, I gotta pay, so I’m gon’ work, work, work every day.” At some point however, people may want... Learn More
Is Life Insurance Still An Asset For The 50+?
Most people start families in their 20s or 30s and this is also the first time they think about family protection, life insurance and making... Learn More
Do You Qualify For The New State Pension?
If you reach state pension age on or after 6th April 2016 then you will come under the rules for the new state pension. Here... Learn More
Should We Be Ditching Cash?
Apple Pay has now arrived in the UK. Paypal has now outgrown eBay. Visa Europe is said to be in talks to be bought back... Learn More
Something For First Time Buyers To Think About
In the past ten years Britain has experienced a property boom, a property crash and a dramatic change in the housing market, making it harder... Learn More
China’s Crash: How Will It Affect You?
They say that when China sneezes, the rest of the world catches a cold. So when China suffered the financial equivalent of a massive heart... Learn More
What Next For Inflation?
The UK has now experienced deflation for the first time since records began in 1996. The Office for National Statistics believes that the last time... Learn More
Guide To House Buying Jargon
When you buy a house, you hear lots of unusual terms. Here are our ‘dictionary’ definitions of terms used when buying a house to help... Learn More
Does It Make Sense For Britain To Quit The EU?
However it is eventually phrased on the ballot paper, the underlying question is essentially the same. “Should Britain stay in the EU?” Sometime between now... Learn More
A Matter Of Life And Death
There is one topic that no one likes to think about – death. And yet, it is something that we must prepare ourselves for in... Learn More
10 Things To Do To Get Your Finances Ship Shape
As spring moves into summer, people can start to think about their physical shape and how good they look in their holiday clothes. How about... Learn More
How Pension Changes Affect Everyone
In the past three years there have been dramatic changes to the way people save for their pensions in the UK and the role that... Learn More
Ten Financial Tips For New Graduates
With university fees of up to £9,000 a year and predictions that students might be paying back their loans in their 50’s, financial planning after... Learn More
How The Rich Get Richer
What have the philosopher Pierre Bourdieu and the finance advice guru Robert Kiyosaki got in common? They both know how and why some people accumulate... Learn More
Have You Made Your Will Yet?
After a lifetime of saving and prudence, you may well have accumulated a great deal of personal financial wealth that will outlast you. However, without... Learn More
Tips For A Cautious Investor
With interest rates offering little to get savers excited, now may be a good time to look at other options. If you are a first... Learn More
Want To Pay Less Tax? Ideas To Help Reduce The Amount You Pay
Paying tax is an onerous duty and one we all wish we didn’t have to do.
Can You Get A Mortgage Before The House Is Built?
How do you find your dream home? Well that depends on what your dream home is.
How Divorce Could Affect Your Retirement Income
“Breaking up is never easy” but sometimes it’s the best you can do. The Abba hit “Knowing Me, Knowing You” was released in 1976. A... Learn More
2015 Extra Budget Review
The first Conservative budget since 1996 was eagerly awaited by some and dreaded by others. Freed from the restraining hands of the Lib Dems, George... Learn More
Thinking Of Buying A Second Property?
The dramatic increase in the cost of properties in the past decade has placed house buying out of the reach of significant sections of society.... Learn More
Will You Be A Silver Entrepreneur?
Retirement isn’t what it used to be. A century ago, when old age pensions were first introduced, life expectancy was far lower than it is... Learn More
Questions The Budget Needs To Answer
George Osborne was last seen holding the famous red briefcase in March. On that occasion he was delivering a coalition budget. The new “emergency budget”... Learn More
Will The Next Budget Be Radical?
On 8th July 2015, George Osborne will deliver the first completely Conservative budget since Kenneth Clarke in 1996. Given that George Osborne delivered his last... Learn More