If you are self-employed and looking to renew or take out a new mortgage then follow these eight top tips to ensure that you get the best mortgage for you. It’s important if you are looking to get the best deal that you start planning well before you need the mortgage. The financial advice below [...]
Divorce is an area where sound independent professional advice early on can make a real difference. For example, a split where one party gets the home and the other get the cash and investments may seem fair at first. However, the fall out may be that one party is tied to a property which may [...]
The housing charity Shelter released a report that showed property prices had increased by more than 43 times what they were in 1971. They highlighted that this increase was far in excess of year on year inflation. After building up such a high level of equity in their property over the years, homeowners with a interest [...]
By Rachel Efetha, Chartered Financial Planner based in Bedford. Having just had the Chinese New Year on Friday 16th February, we are looking ahead to the next New Year in our calendar, or rather, the end of the current year. That year is the tax year, which runs from 6th April – 5th April each [...]
Congratulations to Sam Williams on passing his exam. Sam took the Chartered Insurance Institute (CII), Investment Principle and Risk exam (RO2). The exam was taken at the Institutes, Nottingham test centre. Sam Williams said- "This was the hardest test I've taken so far. The questions were unlike any of the previous test papers that I’ve [...]
It is only natural that being with someone for a period of time that your finances become entwined. You will be surprised how may financial products and agreements you will share with your ex-partner. These agreements may be in the form of a mortgage, credit card, car loan or even everyday utility bills. You need [...]
By Carl Stephenson, Chartered Financial Planner based in Stamford, Lincolnshire. For anyone with children, or maybe the inner child in you, I am sure you know that the key premise of the Marvel ‘Avengers Assemble’ movie being the bringing together of a team of superheroes, each with a unique set of skills and expertise. The [...]
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 Rachel Efetha, Chartered Financial Planner based in Bedford, Bedfordshire. The first working Monday of the new year has been dubbed ‘Divorce Day’ as it sees an increasing number of married couples starting to make enquiries about ending an already unhappy marriage which has had an increasing strain over the festive period. Here we are, [...]
Recent figures released by the government show that over 300,000 home have been brought with the help of initiatives. This may have been with help through the equity loan scheme, shared ownership or the Help to Buy ISA. What is Help to Buy? The Help to Buy, equity loan scheme, allows buyers to borrow a [...]
