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Ten Years and Counting

Temple Wealth celebrated 10 years as a new business on 21st September.  Planned celebrations have been lost in lockdown but the achievements have not.

What a 10 years it has been, we began in 2010 with two Advisers, two paraplanners and an administrator to currently 18 Advisers, 10 Paraplanners, 2 sales support, 2 administrators and a Finance Manager with lots of changes to the industry along the way.

There has been the advent of Diploma Qualifications for Investment Advisers, the banning of commission, vast changes in pension, the mortgage directive, to name but a few, but we are still alive and kicking. 

A big “thank you” to Sense Network for believing in us at the outset and its support ongoing which has seen the Company be part of the Parliamentary Review for Best Practice in Financial Services and achieve Corporate Chartered Status in 2017. 

The next 10 years will see more changes no doubt but you can always count on Temple Wealth management to be your financial partner for life and we wouldn’t want it any other way.

We would like to share our celebrations with our clients, both existing and new by asking you to like and share this post with your friends and colleagues with a chance to win £50 M&S voucher. 

Anyone who likes the post on social media will be entered into the draw which closes at midnight on Thursday 8th October with the winner being drawn at random and notified on 9th October 2020.

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Government Green Homes Grant Scheme

While the stamp duty holiday and ‘Eat out to help out’ scheme stole the headlines in Chancellor Rishi Sunak’s Summer Economic Update in early July, an overlooked incentive was the Green Homes Grant Scheme. This is where homeowners and landlords will be able to apply for vouchers towards the cost of energy-saving improvements to their properties.

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What’s next for you in the property market?

With many mortgage lenders resuming physical valuations on properties in England, the property market seems to be breathing back into life. Coupled with the majority of housebuilders returning to building sites, there is renewed hope for whatever stage of property ownership you’re at. 

But what does it mean for you? We hope to answer some of the questions you may have.

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Business Protection – can you afford not to?

As a small or medium sized business owner, you should be proud to form the backbone of the UK economy. You currently form 99% of the number of UK private sector businesses, and 60% of employment in the private sector is reliant on SME’s like yourselves, making you vital to the UK economy.

Being so vital to the UK economy means as business owners, you are aware of the risks that you may face including changes in the economy, competitors and ongoing profitability. You are also prudent enough to cover some of these risks like premises, machinery, vehicles and computer systems. Yet these are not the necessarily the biggest risks you may face as a business owner.

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How does the Help to Buy scheme work?

Since its inception in 2013, the Help to Buy scheme has been used to help with the purchase of currently over 236,000 properties.

It’s designed to help first-time buyers onto the housing ladder and home movers up a rung. Independent analysis shows that both the rate of take-up and the size of equity loans being given are growing.

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Getting a mortgage through a broker

As we adapt to a ‘new normal’ in the wake of the pandemic, many people during lockdown have spent time really looking at their lives and for some, have decided to make significant changes to their lives. 

This may include, buying their first home, moving to somewhere with a garden, being closer to work, getting a better deal on their current mortgage, or starting a property portfolio. To help them with these plans, enlisting the services of a Mortgage Adviser has never been so important. 

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Life insurance is just life insurance, right?

As we emerge from the Covid-19 pandemic many things will have changed, they way we work and socialise, and the way we use technology.

As most people have had more time during the lockdown, they have been able to review the features and benefits of the products and services they buy, what are the added value benefits, are they useful and do they enhance the product?

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Misconceptions about Equity Release

Many grandparents and parents maybe considering Equity Release from their properties, to help fund school fees for grandchildren or helping towards a deposit for their children’s first once we are out of this lock down.

Many people considering Equity Release are put off or worried about certain aspects. I hope here to answer some of those concerns and help give you the confidence to consider the option.

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