Mortgage borrowing into retirement. Should you?

Over the last few years, mortgage lenders have become more amenable to older borrows who are moving into retirement. We have seen mortgage rates improve and there's now greater flexibility in the products available. Traditional mortgage lenders are now will to extend the borrowing term of the mortgage beyond state pension age. The requirement that [...]

2018-04-13T14:20:02+01:00April 30th, 2018|News|

Protecting your family. A personal story.

By Rachel Efetha, Chartered Financial Planner based in Bedford. Last year I took part in the Prudential Ride London 100-mile bike ride and took the opportunity to raise money for Bowel Cancer UK.  The reason I chose this particular charity is because a friend of friends, Mark, who I had met from time to time [...]

2018-04-13T16:53:23+01:00April 23rd, 2018|News|

Enterprise Investment Scheme. What are they & do you need one?

I am often asked about Enterprise Investment Scheme (EIS). Often people are aware that they are a way of saving tax but are not sure if they are right for them. So here is a simple, straightforward guide. The Enterprise Investment Scheme is a tax- efficient investment that was introduced by the Government back in [...]

2018-04-05T17:20:04+01:00April 19th, 2018|News|

Housing wealth could be the key to comfortable retirement.

Couple planning their retirement People retiring over the last twenty years, have on average, seen enormous rises in the value of their homes. Figures show that house prices have risen in England by 42% in the last twelve years alone. These figures highlight that your home could be an obvious asset to tap [...]

2018-04-23T09:49:48+01:00April 16th, 2018|News|

Spring Statement 2018. Find out more about the key points.

Chancellor Philip Hammond delivered his first Spring Statement on 13th March 2018.  Below is a summary of the key points from his speech: Spring Statement 2018 Economy The UK economy has grown every year since 2010 and is now expected to grow at the faster rate of 1.5% this year, compared to the forecast of [...]

2018-04-03T11:59:06+01:00April 3rd, 2018|News|

Help to Buy. Could it help you get on the property ladder?

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 [...]

2018-02-21T15:50:17+00:00February 5th, 2018|News|

It’s Your Time to Shine! Financial advice.

This is the second year that the event has run. The event is focused towards women who are Heart-Centred, Purpose-Driven, Business & Professional Women who have a deep desire to unlock their true potential and achieve what really matters to them. The aim is to make 2018 their “Best Year” yet! This year’s guest speakers [...]

2018-08-21T17:18:13+01:00January 22nd, 2018|News|

New Year, New Me! Financial planning resolution.

  By Rachel Efetha, Chartered Financial Planner. At this time of year when we vow to finally lose those extra pounds, drink less, exercise more, give up smoking, isn’t it important to review your finances? As a Chartered Financial Planner, many clients I meet have no financial plan in place so here are a few [...]

2018-02-21T15:50:21+00:00January 10th, 2018|News|

Defined Benefits Pension Schemes.

The pros and cons of possible transfers. The introduction of pension freedoms in 2015 has given you much more choice over what can be done with your pension. However, this freedom only applies to Defined Contribution (DC) schemes, not Defined Benefit (Final Salary) schemes. For this reason, some savers in Defined Benefit (DB) schemes are [...]

2018-02-21T15:50:25+00:00December 5th, 2017|News|
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