2020 The Story So Far

Little did we know, as we entered a new decade, what was in store for the global economy in 2020. Around the globe, the Covid-19 pandemic has inflicted a huge human cost. The response, and the measures to reduce the spread of the virus have inevitably had a significant impact on global economic activity. A recent Organisation for Economic Co-operat...
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If you are nearing retirement and assessing options for your pension pot, don’t act in haste. Talk to us.

Are you approaching retirement? If you are nearing retirement, you may have been particularly worried about the impact of recent market volatility on your pension assets and perhaps you are reassessing your retirement plans. There are several things to consider if you are planning to retire, which will depend very much on your own circumstances. Si...
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Mortgage affordability in a post-COVID world

Back in March, the Bank of England slashed interest rates to an all-time low of 0.1%, in a bid to alleviate the severe economic pressure caused by coronavirus. As the base rate cut fed through to mortgage rates and with the continuing pressure of a closed mortgage market, lenders responded by withdrawing mortgage offers, increasing rates and pullin...
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The world is changing – so should your insurance!

The world is changing rapidly in a way that nobody could ever have expected, meaning your personal and financial circumstances are likely to have changed. It is important to regularly review all aspects of your finances and that includes reviewing your protection insurance, to make sure your policy provides adequate cover for your changing needs. U...
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Talk to us, don't act in haste. Stay protected!

The coronavirus outbreak has impacted everyone across the globe, leaving many individuals and families in a precarious financial position. The crisis has shown that financial hardship can strike when we least expect it, demonstrating the importance of protection cover. As people's anxiety about their financial future intensifies, it's likely that m...
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Mortgage Payment Holidays

The Chancellor's announcement back in March, offering 3-month mortgage payment holidays for homeowners experiencing financial difficulties due to COVID-19, came as welcome news to many people. Mortgage lenders agreed with the Treasury that any customers who are in 'difficulty' will be eligible. Initial uptakeRecent data has revealed over 1.2 millio...
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Now is not the time to neglect your pension - keep your planning on track!

The Coronavirus outbreak is having a widespread impact across all aspects of our financial life, with many people finding their income reduced. At times like this it can be challenging to stay focused. No matter what age you are, now is not the time to neglect your pension. Try your very best to keep your pension planning and contributions on track...
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Here is the final part to our meeting the teams series! Drum roll for Ellis Watret:

Name:  Ellis Watret  What do you do at Stan Sherlock Associates?  I have been a Business Apprentice for almost 2 years and look to qualify by the end of this year. I started on reception, as part of the Business Support Team but now I specialise in mortgages.  I help advisers process our clients mortgages so that ...
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Protecting you and your family...

Losing your partner at any stage in life can be devastating, but it may be particularly devastating when children are involved because of the financial pressures of raising a family. Ensuring your children and other dependants are provided for in case you die should be a top priority but less than a third of people in the UK have life insurance. Ke...
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As mortgage advisers we often get asked about house values... Well here are some tips on home improvements to add value to your home:

Evidence suggests that many more of us are putting down roots and choosing to stay in our current homes for longer. The average time a homeowner in the UK stays in their property is 21 years. This contrasts with the 1980's, when a fast-rising property market encouraged a move every eight years on average. However, high prices in some regions, Stamp...
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"Practically perfect in every way"... We introduce you to Annette Hunter:

Name:  Annette Hunter  What do you do at Stan Sherlock Associates?  I am a senior administrator within the mortgage and wealth departments. I have recently moved to the wealth department, but I still turn my hand to mortgages. I input and process cases, problem solve and see a case through to completion.  What do you enjoy most ...
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Is your Life Insurance in Trust?

A life insurance policy in trust is a legal arrangement that keeps a life insurance pay out separate from the valuation of your estate (property, money and possessions) after you die. Here we take a look at some main points to consider when deciding whether to write your life insurance in trust. The logisticsA trust is a legal entity that allows yo...
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Sandra Sproat takes the limelight in the next part of our series "Getting to know our Business Support Team"...

 Name: Sandra Sproat What do you do at Stan Sherlock Associates? I've worked here for almost 22 years, so I have my finger in many pies! As office manager, I work closely with Bobby and Emma Sherlock and we all try to maintain a happy environment for the staff. My secondary role has been described as 'office mum' which is quite an honour! What...
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Managing Mortgage Stress – We're Here For You

Whether you're a first-time buyer, a second- stepper or further up the housing ladder, buying a home is always a big move and can feel a bit like a roller coaster ride at the best of times. Now there is the added complications and worries that the COVID-19 pandemic may have caused for people's lives, finances and general wellbeing. Here are some ti...
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Holly Fears is the next up in our series: Getting to Know our Business Support Team!

 Name: Holly Fears What do you do at Stan Sherlock Associates? I am part of the Business Support Team at Stan Sherlock Associates.  I run the front desk alongside Kristina, greeting our clients both face to face, and over the phone.  I also help our Yorkshire clients. What do you enjoy most about being a member of the busin...
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Embarking on a DIY project? Check your home insurance!

The weather is improving, you may have some extra time on your hands and judging by the queues outside hardware stores, people are seizing the opportunity to get some home improvement jobs underway, particularly with more Britons than ever working from home. Between February and March 2020, Google searches for 'DIY' increased by 9% year-on-year, wi...
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Part 2 of Getting to Know our Business Support Team... Our front of house, Kristina McMillan, takes centre stage.

Name:  Kristina McMillan  What do you do at Stan Sherlock Associates?  I run the front desk and I also work on the Yorkshire Building Society.  What do you enjoy most about being a member of the business support team?  I get to do a little bit of everything. I enjoy the fact that I can help the team out with anything they n...
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Don't Underestimate the Power of a Good Business Support Structure

During our 30 years in business we've helped thousands of clients navigate their financial decisions and achieve the right results, from buying a first home to providing an income in retirement and everything in between. Ensuring consistently great results for our clients is essential to our success, and that in turn relies on the experience and kn...
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Series 2! Here's the first profile from our Business Support Team. Kath Crozier...

Name: Kath Crozier (used to be a Sherlock) What do you do at Stan Sherlock Associates? I am a Senior Administrator (which means I'm old and been there a long time) I am also the Company Secretary. What do you enjoy most about being a member of the business support team? I like to support the advisers, by helping them I am helping the clients. What ...
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Been meaning to do it for ages? It's time to look at Estate Planning:

Estate planning encompasses not only preparing your finances to ensure your assets are protected for your loved ones once you are gone, but it's also about ensuring you have enough money to live on.   It starts with obtaining a comprehensive view of your assets. Assessing the value of your estate and ensuring the right documentation is in...
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