Trust. The different types and when to use them.

So, what are they? A trust is a legal arrangement where you give property, investments or cash to someone else so they can look after them for the benefit of a third party. An example of this would be if you put some of your savings aside in a trust for your children. The roles [...]

2019-07-31T14:31:55+01:00August 8th, 2019|News|

Equity release. How could it work for you?

As a homeowner, you will be aware of the increasing value of your home. Like many other people, you may find that your property is now worth much more than the amount you originally paid. How can you release this equity? Equity release allows you to unlock money from your home. This could be in [...]

2019-01-23T15:54:06+00:00December 13th, 2018|News|

Equity release: Product features explained.

Many people who are looking at equity release often get confused about some of the product features on offer. Some would appear at first sight to be just a marketing ploy. Others have some real benefits for you. The list below highlights some of the key terms used by the equity release companies. Check them [...]

2018-05-31T15:43:08+01:00May 21st, 2018|News|

How to “legitimately” save paying Inheritance Tax

If you have an estate that is worth more than £325, 000, Inheritance Tax (IHT) of 40% is paid on the excess. You can pass on your estate to a spouse or civil partner completely tax-free on death. If you leave it to your children or others, they will not benefit in the same way. [...]

2018-06-06T17:14:09+01:00May 14th, 2018|News|

Retirement. What you need to do before you retire.

If you are dreaming of retirement, spending some time getting your financial affairs in order is a good idea. This will help you to realise if you can afford to retire with a standard of living that you are used to or if making a few financial sacrifices will help you achieve your end goal. [...]

2018-04-30T18:12:50+01:00May 10th, 2018|News|

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|