With the possibility of negative interest rates, we ask, IS YOUR MONEY REALLY SAFE?

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Are you a saver? Saving your hard earned surplus cash for a rainy day? Or a big occasion? Or maybe for your retirement? Perhaps you're squirrelling away pennies in a "safe" savings account ready for when you want to spend it. But…what is safe? The capital amount may be guaranteed and will grow with interest added but what about its value? Would you...
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3 tips to help you work out if your adviser is REALLY doing a good job for you.

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The world of finance can be a puzzling place. Numbers mixed with words mixed with acronyms. It can be hard to decipher, harder still to know what's best and even harder to know if the adviser you have chosen is REALLY doing a good job for you! We have pulled together 3 tips for you to consider when choosing who to trust with your money and your pla...
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Don't Do a Hannah!

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What I know now, I wish I knew then! Here I am, 40 years old and starting my first personal pension. One that I am going to manage and invest, and watch as it grows, with the ultimate goal of a pension pot that will provide me with the ability to retire on my terms with the income I want. As a teenager and well into my twenties I was good with mone...
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Planning for the unexpected!

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Do you worry what would happen to your family if you or your partner were to suddenly lose your job, become seriously ill or even die? How would you pay your mortgage, day to day bills and manage financially during a period of emotional distress? Protecting those you love could be more affordable than you think A Family Protection insurance policy ...
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Get mortgage fit for 2021!

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Estimates suggest that well over one million borrowers have lapsed onto their lender's default standard variable rate (SVR). Has this happened to you? If so, now could be the perfect time to consider a remortgage, to get your finances in good shape for the year ahead. Do you know your mortgage rate?If your current tracker, fixed rate, or discount m...
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Need help getting to know your SVR?

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As a nation, we aren't great with our financial acronyms and terminology. Life is busy and our heads are often full of important things to get done to make it through the week, without having to worry about whether we know our LTV from our ERC! You're certainly not alone if you're feeling financially flustered. Recent research has found that more t...
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Tax-free investing - it's time to talk

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With the first wave of Child Trust Funds maturing this year, there's a great opportunity to talk to your children about the benefits of saving and investing. If one of your children has recently celebrated their 18th birthday then there's a good chance they'll have some money in a Child Trust Fund (CTF), which they can now access for the first time...
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Mortgage Payment Holiday Update November 2020

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On 17 November the FCA confirmed guidance for homeowners struggling financially due to coronavirus. The mortgage payment holidays scheme, first announced in March and then extended in May, has been further extended until 31 March 2021. How does it work? Those who have not yet had a payment holiday will be eligible for payment holidays of 6 months i...
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Markets react positively to election news!

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After days of tension, news came in over the weekend that Joe Biden won the key battleground of Pennsylvania, 20 electoral votes was enough to push him over the magical 270 threshold, securing his bid to become the next US President and take up residency in the White House. However, things aren't clear cut, as the Trump campaign has indicated the i...
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INVESTMENT UPDATE: What to make of the as yet undecided US Presidential Election

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As you are no doubt aware, the result of yesterday's US presidential election is not yet known. With 43 states having declared their results, the race is much tighter than the polls predicted and neither Donald Trump nor Joe Biden have enough votes from the electoral college to claim a victory. To do so, they need to gain at least 270 of the electo...
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Protecting your business in difficult times

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During the past few months, millions of businesses have been forced to shut temporarily, with employees furloughed or working from home under very difficult circumstances. With various business sectors reopening in July, many have suffered significant financial damage due to lockdown. For some businesses, productivity has been lost due to illness a...
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Spreading the risk!

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Stock markets do not react well in times of uncertainty and the effects of the pandemic continue to pile pressure on financial markets worldwide. During periods of increased volatility, such as we have seen over the last few months, the importance of spreading risk and considering the longer term, remain constant investment principles. Why diversif...
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Update on mortgage payment holidays...

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On 17 March 2020, as the country teetered on the brink of lockdown, the Chancellor announced that homeowners struggling financially due to coronavirus would be able to take a three-month mortgage payment holiday. What does this mean for me?The extended application deadline now coincides with the end of the furlough scheme. This means, if your workp...
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COVID-19 affects retirement plans for over three million

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Recent research shows 1 in 10 UK adults with a pension (and not yet retired) have reduced or stopped pension contributions because of Covid-19. 1 in 10 UK adults have reduced or stopped pension contributions1 in 4 workers are worried about paying for every day essentials1 in 5 workers are worried about keeping up with mortgage or rent payments The ...
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Exchanging contracts? Get insured first.

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Purchasing a property can be a busy, stressful time and it can seem like there are a million things to remember. Some things however, are more important to remember than others – for example, getting the right insurance in place at the right time. Many people believe that they only need to take out buildings insurance once they move into their new ...
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2020 The Story So Far

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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.

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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

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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!

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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!

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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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