Working Eight Days a Week (A Challenge for You)
This month’s blog is different; I’m not going to talk about products (boring!). Instead, I would like to take you through my typical week as a Financial Adviser. Throughout this article, there are many titles of Beatles songs; how many can you spot?
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There are many reasons why someone may want to Release Equity from their property under a Lifetime Mortgage more commonly known as Equity Release.
Equity Release Mortgages work by lending you money that is based on your age at outset of the mortgage, charging interest only on the loan amount, without ever needing to make a repayment to the lender.
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When it comes to safeguarding your income, income protection (IP) insurance can be a valuable asset, especially for those dealing with stress and mental health challenges. Many IP policies do not impose standard exclusions for mental health, meaning that individuals who have not disclosed prior conditions may still be eligible for coverage.
While this broad eligibility is promising, it’s crucial to fully understand what claims can be made regarding mental health and stress.
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First Homes- Who and Where will the scheme help the most?
Offering first-time buyers over the age of 18 in England the chance of home ownership with discounts of 30-50 per cent of market value, the Government’s First Homes programme is a successor to Help to Buy.
If buying as a couple, neither partner can previously have owned a home. It must be either a new home built by a developer or a home you buy from someone else who originally bought it as part of the scheme.
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As 2024 comes to a close, many homeowners and first-time buyers are looking for ways to secure the best mortgage deal before the new year. With fluctuating interest rates and shifting market conditions, it’s crucial to act strategically to lock in a favourable rate.
Here’s how you can make the most of the current market to secure a great deal before 2025:
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It is vastly misunderstood what an Independent Financial Adviser does. People are always surprised when I say the vast majority of my job is being a financial therapist to people. Helping people understand why they have made those money decisions in the past and how that might impact their future.
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Following Labour’s win in the July 2024 election, whether you are a prospective buyer, renter or landlord, everyone is eager to understand the implications for the housing market.
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As Independent Financial Advisers, some of the most frequently asked questions we are asked include:
“When can I afford to retire?”
“Am I saving enough?”
“When will my money run out..?”
As we gear up for the 2024 general election, you may be wondering how the political landscape might impact your mortgage options. The period leading up to an election often brings economic uncertainty, and understanding its potential effects on the mortgage market can help you make informed decisions.
