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 [...]
If you are approaching retirement and are worried about how you will coupe to maintain your lifestyle then we may be able to help. It may be that you wish to make improvements to your home or wish to see more of the world now that you have more time in retirement. It might be [...]
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 [...]
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 [...]
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 [...]
Investing in a volatile market Recently the markets have been more volatile and this often causes concern to investors who do not fully understand this complex subject. Volatility can be triggered by many events and is a normal part of investing and generally should not be feared. However, market volatility is also a reminder that [...]
By Rachel Efetha, Chartered Financial Planner. As I sit here writing this article, many of you are probably enjoying an unexpected ‘snow day’ off work, whilst others, like me, might be juggling working from home with their children having a snow day off too. Have you considered how you would cope financially if you had [...]
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 [...]
Figures from the Equity Release Council show that homeowners took out £824 million of property wealth between July to September 2017. This is over a forty per cent increase from the same time last year. Equity release is also referred to as lifetime mortgages. There are now over 121-lifetime mortgages on the market offering more [...]
Our annual community golf day raised £1,148.50 for the East Northamptonshire based charity SERVE. Caroline Anstee, Managing Director of Anstee & Co., presented a cheque to Jessica Slater, General Manager at SERVE. Furthermore, the money is going towards a specialist disability bathroom in Higham Ferrers, Northamptonshire. The new bathroom will offer individuals living independently in [...]
