Free downloadable tax rates for 2022/23 This free pdf download of the Tax Rates 2022/23 has all the key tax information you will need for the current tax year. If you would like help with any of your financial planning, why not contact us. Our financial advice is unbiased and independent. Click the tab below- [...]
By Barnes Gladman, Financial Designer with Anstee & Co. Inheritance tax (IHT) is paid on the value of a person’s estate when they die. However, after a lifetime of paying taxes and making provisions for the future, a 40% charge on assets upon death can be difficult to accept. With years of house price rises, [...]
Listen to Rachel Efetha, Chartered Financial Planner being interviewed by Jo Blackwell as part of Jo's podcast series "The Midlife Moment". Jo's podcast asks - Do you have a clear plan about how you will fund your retirement? Perhaps you are divorcing or, sadly, find yourself bereaved and are wondering where you stand? It’s a [...]
By John Cossons, Mortgage and Protection Designer. With the ever-increasing cost of living, is your retirement income keeping up? We are all feeling the pressure of the rising cost of fuel to heat our homes and keep our cars moving, along with the relentless increase in the general cost of living. You may have a [...]
Getting the best mortgage deal is never easy. However, by following these steps, you can begin to get yourself mortgage ready. Before you apply for a mortgage, follow these top tips to give yourself the opportunity of getting the best mortgage deal for you. Remember, the lowest rate is not always the best overall deal [...]
First of all, do you really want a divorce? Have you looked at the reasons why you are unhappy in your relationship? Have all the avenues such as marriage counselling, marriage coaching, psychotherapy or separation been explored. If you feel that there is no going back, you will need to consider the following. Take professional [...]
By Barnes Gladman, Financial Designer with Anstee & Co. Could NS&I Green Savings Bond be right for you? Well, National Savings and Investments (NS&I) has long been considered a safe haven for investors, with 100% of savings secured, compared to the £85,000 limit provided by most banks and investment houses. In a time of uncertainty, [...]
By Rachel Efetha, Chartered Financial Planner with Anstee & Co. Do you know your tax rates? 20%, 40%, 45%, 58.2% and 60%? What? 58.2%? 60%? It might surprise you to hear that certain people, earning between £50 – 60,000 jump straight from the basic rate of 20% to the 58.2%% rate! Others will hit it [...]
By John Cossons, Mortgage and Protection Designer at Anstee & Co. When you are considering taking an equity release lifetime mortgage one of the main considerations is knowing how much equity you will have left to leave to your next of kin when you pass away. It is generally well known that with an Equity [...]
By Rachel Efetha, Chartered Financial Planner with Anstee & Co. I have £15,000, should I invest in a Pension or an ISA? If you don't have other needs for this money such as paying off a debt and if you can afford to 'tie' the money up until you reach the age of 57 then [...]
