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Income Protection & Stress: What You Need to Know

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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Government First Home Scheme

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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Unlock the best mortgage deal before 2025

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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Hello

Hello, let me introduce myself, I’m David Rackham a Financial Adviser with Temple Wealth Management, and I want to take a look back at what has happened over the past month you will see we have had an eventful summer.

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Buy To Let Remortgaging

As a landlord in the current climate, the prospect of renewing your mortgage may be met with a mix of anticipation and trepidation.

With mortgage rates fluctuating and economic conditions evolving, the worry of increased cost looms large for many. If your buy to let mortgage is due to be renewed soon, it’s crucial to carefully consider your options and to plan ahead to ease potential financial strains.

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