Buying your first home is a massive step, and with the average age, purchase price and loan size all steadily rising for First Time Buyers over the last 10 years, here are some of the key things to focus on before taking that first step onto the property ladder.Read more
Whether you live in a one bedroom flat or a five-bedroom detached house, you’ve worked hard to make your house your home, so it’s important to have the correct protection in place in case something should go wrong.
Though you might believe the unthinkable would never happen to you, what if it did?Read more
With so much uncertainty out there, people are quite rightly thinking about every decision made. Sometimes even holding back on non-essential expenditure in order to keep savings or build on savings just in case.
These decisions are all based on you weighing up the pros of buying that TV vs the risk that you may need the money soon. This simple decision has lots of moving parts to it and is affected by your past decisions and experiences, as well as other considerations. You are assessing risk.Read more
For you or your loved ones, getting a mortgage may seem a little bit like climbing Everest. The summit is incredibly far away and it’s going to be a long journey that requires a lot of commitment. That’s because the process of buying a home doesn’t start by selecting a property that’s within your budget – it can take months, even years of preparation to get fully mortgage-readyRead more
Because it’s more than just a house, it’s your home…Read more
An increasingly popular benefit for employees, health cash plans are a type of insurance policy which pay employees tax free cash back towards everyday health care such as dental treatment, eye tests, glasses, contact lenses and physiotherapy.Read more
The Help to Buy ISA is a government backed scheme that provides a 25% bonus on the balance of the account with a maximum bonus of £3,000, provided the money is put towards the purchase of your first home before 1st December 2030 – so long as the house price is lower than £250,000 (£450,000 in London).Read more
Take any business assurance, for example. Ask yourself if you have a cross-sell or buyout agreement set up between partners or directors, which could prove to be useless for the survivors if you do not have the cash to pay out the value of a deceased partner’s share? Everybody loses.Read more
In recent years we have seen the number of people divorcing in retirement increase. This group of people need to be aware of a litany of financial pitfalls as they try to divide a lifetime’s worth of assets.Read more
This piece discusses a Personal Injury Trust, who it is appropriate for, when it is likely to be used and how it is set up.
A Personal Injury Trust is a specific type of Trust used when, in most cases, someone has received compensation for some type of accident or injury.Read more