By Carly Buck, Financial Planner with Anstee & Co. For many families, financial planning is not just about securing your own future, it is also about making sure the wealth you have worked hard for, can benefit the next generation in the way you intended. Talking about money is not always easy. But without [...]
By Rachel Efetha Chartered Financial Planner It was announced in the 2025 Budget that changes to the ISA rules will be introduced from 6 April 2027, including a new limit on the amount that can be held in a Cash ISA. So, what’s changing? For those under age 65, the amount that can be [...]
By Rachel Efetha, Charter Financial Planner at Anstee & Co. For a lot of people, an Inheritance can come in very handy. It can pay off a lump towards your mortgage, allowing you to shorten the term and retire early. It can be used to buy the motorhome you have always coveted, or it [...]
If you are nearing retirement you might feel a little rattled after all the changes that are happening. What type of pension do you have? If you are lucky enough to have a defined benefits pension, sometimes referred to as a final salary scheme then your pension income in retirement will be unaffected. However, [...]
In the eighties until 2009, an interest-only mortgage was a popular option. Now, however, many of these mortgages are coming to the end of their term and money must be found to pay off the original capital sum borrowed. So, what should you do if you have an interest-only mortgage? Firstly, you need to [...]
The first question our mortgage advisers are usually asked is "How much can I borrow”? In the past, mortgage lenders based the amount you could borrow mainly on a multiple of your income. This was often referred to as the loan-to-income ratio. Mortgage criteria have now changed. This worked by looking at your salary [...]
We are being attacked from every direction by fraudsters, including, investment scams. Below are details of how to protect yourself from investment fraud. Stopping Investment Fraud Figures from the City of London Police (the UK's National Lead Force for Fraud) indicate that criminals stole £879.8 million through investment fraud, averaging about £1,675 stolen every [...]
One of the most difficult conversations you probably will have with your parents is what plans have they made for their financial future. It’s a balancing act between your parents feeling that they are not losing financial control and you being aware that they have some form of plan in place. All this while [...]
By John Cossons, Mortgage and Protection Designer at Anstee & Co. Firstly, what is a Green Mortgage, and should I have one? A green mortgage is meant to increase the appeal of owning a green, or energy-efficient, property. On top of the savings, you'll make on your energy bills each month. Also, the idea [...]
For many of us, our working life is stretching out. As our life expectancy rises and pension provisions become less generous reviewing your financial plans has never been more important. As we work longer, it is highly unlikely that we will have just one career path. The day's of a "job for life" has [...]
