Markets react positively to election news
Posted by siteadmin on Thursday 12th of November 2020
Global stocks responded positively to the prospect of a Biden presidency, after days of uncertainty. On Monday, th...
Spotlight on Enterprise Investment Schemes and Venture Capital Trusts
Posted by siteadmin on Thursday 29th of October 2020
Complex tax-efficient investments such as Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCT) are a consideration for those who may be able to tolerate a high level of investment risk.
EIS and VCT are investment vehicles which encourage investment in small, unquoted trading companies in their early stages, who are typically trying to raise capital. These initiatives benefit the economy by promoting innovation amongst the small higher-risk business community, which in turn drives productivity, creates jobs and boosts econo...
The bank of Granny and Grandad?
Posted by siteadmin on Wednesday 28th of October 2020
For many younger people struggling to get a foot on the property ladder, the Bank of Mum and Dad is the only option. With rent taking a huge chunk out of their income and the requirement for increasingly onerous deposits, two in five renters do not believe they will ever be in a position to buy a property, despite a desire to own a place of their own. That’s where Bank of Mum and Dad come in, as well as ever more frequently, the Bank of Granny and Grandad.
Among the UK’s largest lenders
If the Bank of Mum and Dad was a high street lender, ...
Getting mortgage-ready
Posted by siteadmin on Wednesday 16th of September 2020
Buying a home takes careful preparation and planning. As well as finding a property you like, you need to get your finances in good order before lenders review them and assess your ability to make repayments on your loan.
Save up
During the recent lockdown, many lenders pulled their ‘high loan-to-value (LTV)’ products which typically only require a deposit of 5% or 10% (often first-time buyers) to take out a mortgage. The good news is that lenders are returning to the high LTV market, but you may need to act quickly to secure the d...
Why a self cancelling mortgage is so important
Posted by siteadmin on Monday 10th of August 2020
If you are like most people, taking on a mortgage to buy yourself a home, is going to be one of the biggest and scariest commitments you will ever make.
Written by Matt Payne
A mortgage, is not like any other loan because it is secured on the value of your house. So knowing that if you miss a payment might mean the lender starts to go down the road of repossession proceedings, means that you have got to be sure that you can afford to pay it.
The lender will carefully assess your ability to pay what is required on a monthly basis taking...
Newsletters
Posted by siteadmin on Friday 7th of August 2020
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Why save for Retirement?
Posted by mattpayne on Wednesday 5th of August 2020
Depending on how old you are, retirement may be many decades away or just around the corner. If you have still got years to go, it may seem difficult to imagine that one day the income that you are used to earning each month won’t be there anymore and if you have not put aside money for yourself, then you will need to live on whatever the state provides.
For most people, living on the small amount provided by the state (£175 a week at the time of writing) will at best pay for the basics and for most could lead to real hardships. Ask your...
Do you know how much you are worth?
Posted by siteadmin on Tuesday 4th of August 2020
What is your true value?
Written by Matt Payne
Just add up how much you are going to earn over the rest of your working life and you will realise why it is so important to have appropriate protection in place.
If you are going to buy a home or take on the responsibility of having children, you cannot afford to lose your income.
Whilst many people will happily spend money to insure things that are of relatively modest value and easily replaced, they will sometimes ignore the important covers, like making sure your income continues if...
Why save for Retirement?
Posted by siteadmin on Saturday 1st of August 2020
Why Save for Retirement?
Written by Matt Payne
Depending on how old you are, retirement may be many decades away or just around the corner. If you have still got years to go, it may seem difficult to imagine that one day the income that you are used to earning each month won’t be there anymore and if you have not put aside money for yourself, then you will need to live on whatever the state provides.
For most people, living on the small amount provided by the state (£175 a week at the time of writing) will at best pay for the basics and f...
Newsletter July 2020
Posted by siteadmin on Monday 6th of July 2020
Download our new newsletter about:
- Don't under estimate the value of financial advice
- Are you engaged with good investing?
- Take control of your investments
- Reviewing your pension contributions
- The factors influencing your pension choices
- Protect yourself and your family in 2020
- Does diversification matter?
Download now »
