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The New Help To Buy Scheme – 2021

A government scheme aimed at helping first time buyers get on to the property ladder has been extended for 2021.

The Help to Buy scheme has been running since 2013, with the aim of helping those unable to afford a deposit for a property. This is done by offering a Government supported equity loan to cover the majority of the deposit.

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The impact of technology for private medical insurance companies

As we begin to emerge from the pandemic, and the news is full of increased waiting lists for routine surgeries, many people are looking at private medical insurance to fill the gap. But how are insurance companies reacting to the challenges of access to your GP, the difficulty of getting a prompt consultant referral, or follow on therapy planning?

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New Year, New Protection Needs?

With 2020 behind us and a new year ahead, now is a great time to re-evaluate your protection needs. If last year taught us anything, it’s to prepare for the unexpected.

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First Time Buyers and Coronavirus

Being a first time buyer can be confusing at the best of times, and the current coronavirus pandemic brings even more challenges. But don’t panic. There are still ways that you can buy a home and we are here to tell you what they are.

At the start of the 2020, there was a record number of 95% LTV mortgage options, meaning lots of lenders were happy with a 5% deposit. But those golden days have temporarily disappeared for now thanks to covid.

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Help to Buy Scheme 2021

The government’s Help to Buy equity loan scheme has been running since 2013 and has assisted over 270,000 people step onto the property ladder.

From 16 December 2020 however, first-time buyers can start applying for the governments new Help to Buy equity loan scheme.

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Executive Income Protection

Protecting the most important part of your business

Running your own business is hard. Whatever it might be, you are constantly making sure that you are earning enough to not only pay for all your overheads but to also pay yourself a decent salary, otherwise what is the point?

The problem is that you are sometimes so focused in the areas that you know best and making sure that your business, contents, vehicles and other tangible assets are insured adequately in the event of fire, theft, accidental damage or anything else that may interrupt the smooth running of your company that you forget about protecting the most important part of your business – you and your key employees in the event of incapacity.

This is where Executive Income Protection comes into its own.

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Socially Responsible Investment

The world of investment is changing, especially where it is no longer possible to ignore statements from our own UK Government making it clear that change is happening.

The Climate Change Act 2008 committed the UK to an 80% reduction in carbon emissions relative to the levels in 1990, to be achieved by 2050. In June 2019, secondary legislation was passed that extended that target to “at least 100%”.

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