I have recently been fortunate enough to be in a position to purchase my first property. With no previous experience in securing a loan or mortgage, I turned to an adviser in Temple Mortgage to guide me through the process – and I was pleasantly surprised at how simple and easy the process was!Read more
Building your emergency savings up for a “rainy day” is important. However, how much should you be saving for this fund and what should it be for?Read more
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.Read more
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?Read more
With the end of the 2020-2021 tax year on 5 April 2021, here are a number of ideas to make the most of your tax allowances and available tax reliefs.Read more
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.Read more
Sadly, there is much evidence that fraudsters are taking advantage of Covid-19 and the number of scams increased in 2020 and continues to rise.Read more
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.Read more
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.Read more
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?Read more