Blog

More hope for first time buyers with the Help to Buy Extension


Since it was launched in 2013, the popular Help to Buy scheme has enabled almost 170,000 households to buy homes; who may not otherwise have been able to. An extension to the successful scheme was announced in the Autumn 2018 budget, now making it available until 2023 for first time buyers only ‘to ensure future […]

How inflation eats into your returns


Understanding inflation and its impact on your portfolio is important because rising prices can reduce the value of the money you get back from your investments. What is inflation? Inflation is a term used to describe a rise in prices. In the UK, it is measured by the Consumer Prices Index including owner-occupiers’ housing costs […]

You’re not average


What does average look like? Information released by the Office for National Statistics shows the average British man, Mr Average, is 38, will live to 85 and earns £31,103. The average British woman, Ms Average, is 40, will live to 88 and earns £25,308. The LV= risk reality calculator gives you a rough idea of […]

What does Brexit mean for you?


Whichever side of the Brexit debate you have been on, Friday 31 January 2020 undoubtedly marks a momentous point in the country’s history. For at the stroke of 11pm, the UK will cease to be a member of the EU: the divorce will finally have been sealed. It’s clearly been a long and rocky road […]

Does diversification matter?


When it comes to building your investment portfolio, you might have been warned about avoiding putting all your eggs in one basket. It’s wise to spread your money across a range of different investments. That way, if the value of one of them falls, it should have a limited effect on the overall performance of […]

What music do you want played at your funeral?


What music do you want played at your funeral? A quick look at the current top 10 funeral songs turns up some predictable results. ‘My Way’ by Frank Sinatra is favourite, followed by ‘Time to Say Goodbye’ in second place. Another more ironic choice is ‘Always Look on the Bright Side of Life’ from Monty […]

Reviewing your pension contributions


As you approach retirement, you probably want to know when you can afford to stop working. Having worked hard throughout your career you deserve to enjoy your retirement without having to worry about your finances. It may be worth reviewing your pension contributions to make sure you are taking advantage of the incentives offered by […]

Your pension savings, your future options


Why you should consider modernising your pension As well as giving you greater freedom over how you access your savings, there are several other benefits when modernising your pension: —         Take full control of your pension savings —         Choose when and how to draw an income to suit your retirement planning —         Keep your options […]

Where is the happiest place to live?


A new survey has revealed the South West is the happiest place to live in the UK, with Wales coming in as the least happy. The survey by Lloyds Bank and YouGov looked at factors such as: home ownership, salary, household size, knowing your neighbours, loneliness, crime rates, local services and unemployment to create a […]

The electorate has spoken – Conservatives win a majority


The Results Are In Following six weeks of intense campaigning, the result is in. The electorate has delivered its verdict. In Britain’s first December general election in nearly 100 years, the Conservative Party has won a very comfortable majority, soaring past the magic 326 seat mark in the early hours of Friday morning. With the […]

Accidental damage protects against life’s little mishaps


Nobody knows what is around the corner. Accidents can and do happen and the most commonly reported household claim in 2018 was for Accidental Damage. It’s therefore wise to check what is included in your insurance policy to help protect the valuable items in your home. Standard contents insurance usually protects you if you have […]

Don’t slip up this winter


Winter is coming, and with winter comes unexpected weather patterns and more time spent in the home. Both can lead to an increase in accidents, and accidents for you or children can lead to time off work or loss of income. Outside risks It’s not only the obvious factors of slips, trips and falls and […]

Borrowing options in your later years


Retirement is an exciting time; the start of a new chapter in life. Whilst we will have worked, saved and prepared for this moment for a long time, many of us will find we don’t quite have enough money to fund all the things we planned to do. Luckily, there are an increasing number of […]

Crowdfunding the Cost of Healthcare


Crowdfunding is becoming increasingly common among people who need healthcare that’s not freely available through the NHS. The increase is said to be due to access to overseas clinics and high-profile social media campaigns such as the 2014 campaign for Mike Brandon. Websites such as justgiving.com, crowdfunder.co.uk and gofundme.com are full of campaigns from families […]

When Lightning Strikes


In July 2015, Mark received a call from someone telling him his house in County Durham was in flames and that a team of firefighters were currently at the scene. He hung up – first, not quite believing what he’d heard was true – it must be a work colleague playing a prank! But when […]

Relevant Life Plan


Do you want to provide valuable life cover and financial security for your employees and your family in a tax efficient manner? A Relevant Life Plan could be the answer. What is a Relevant Life Plan? A Relevant Life Plan is an individual ‘death in service’ life policy that is affected by an employer on […]

The Importance of Trusts


Trusts are usually simple to set up, but it’s important to select the right type of Trust.  What is a Trust? A Trust helps ensure a pay-out goes to the people you’d like to benefit from your protection policy – should the worst happen. As the ‘settler’ (the person who creates the Trust), you can […]

Look Beyond the Price of Your Protection Policy


Most of us celebrate the start of life and pay tribute to the end of life, but are we placing enough importance on everything in between? If we’re lucky we’ll enjoy certain life events like finding a lifelong partner, marriage / civil partnership, having children, enjoying a career and, ultimately, retiring. But how many of […]

The Factors Influencing Your Pensions Choices


Planning the best way to draw your pension savings is not straightforward, after all, there’s no ‘one size fits all’ when it comes to retirement. Life expectancy, the impact of inflation and the choices available at retirement (thanks to the 2015 Pension Freedoms) are all influencing factors in your decision making. You’ll also need to […]

Investing for the Next Generation


In the early years this might translate into a surplus of toys or days out, but this stage eventually passes, and thoughts turn towards the future transition from child to adulthood and beyond. This longer-term perspective raises the question of how best to provide financial support through, what could be an expensive transition and inevitably […]

The Insurance Policy That Could Prove Critical


Some people might be put off buying a critical illness policy because they believe it’s unlikely to pay out, despite the proportion of claims paid by insurers standing at just over 92%. So why is there such a gap between perception and reality among consumers? There have been well-publicised stories in the past where a […]

Take Control of Your Investments


Getting a clear, concise view of your investment portfolio can be difficult and time-consuming. That’s why we use a secure, online system known as a platform. A platform gives you secure, online access to your investment funds with a transparent, easy -to-understand charging structure. So rather than holding your ISAs, pensions and other investments in […]

Income Protection Claims


You might believe you’d be more likely to call on your income protection policy later in your working life, but data from protection insurer, The Exeter, show their average claimant was 40, and on certain products, just 33. Income protection is designed to pay an income if you’re unable to work as a result of […]

How will changing working patterns affect your pension?


The sooner you start saving, the healthier your pension pot is likely to be when you need to draw on it. But what happens to your pension planning if your working hours reduce, or stop? First things firstIf you join a company you may be enrolled into their workplace pension scheme which, in most cases, […]

Is joint life cover best for couples?


If you want to help make sure your loved ones will have financial security if you pass away, life insurance cover is the answer. But, if you’re part of a couple and you both need cover, should you take out single policies, or a joint policy that covers both of you? With a single life […]

Standard Variable Rate


The average homeowner moving from a specific mortgage deal onto their mortgage provider’s Standard Variable Rate (SVR) could save more than £2,500 a year in interest payments simply by re-mortgaging. SVR is the type of mortgage you’re most likely to revert to at the end of an introductory, fixed rate, discount or tracker deal. The […]

Major changes in taxation for owners of buy to let properties


Major changes in taxation for owners of buy to let properties started being phased in over four years from April 2017. If you own buy to let properties, it’s important to take a look at how these gradual changes may affect you in order to avoid any nasty surprises. Of course, every individual situation is […]

Coming to the end of your interest-free equity loan period


The government launched its Help to Buy equity loan in April 2013 and since then 210,964 properties have been bought under the scheme. First-time buyers and people moving to a new-build home worth up to £600,000 have benefited from the scheme, which provides an equity loan of up to 20% of the cost of the […]

Considerations for first-time buyers


Being a first-time buyer can be daunting. Not only are you about to make one of the biggest financial decisions in your life, but you’ll probably also have family members and friends offering their ideas on the right house, mortgage lender, conveyancer and even removal company for you. We’ve put together some ideas to try […]

Practical Ideas for Downsizers


Getting fed up of everyone coming around to yours for Christmas? Or are you rattling round a large house because your kids have grown up and flown the nest? Or perhaps you’ve found a lovely little property in a part of the country you’ve always wanted to live? Whatever your reason for downsizing we’ve got […]

Omnis Market Update


Please see the market update below from Omnis Investments: Omnis Market Update 24th February 2020 Omnis Market Update 17th February 2020 Omnis Market Update 10th February 2020 Omnis Market Update 3rd February 2020 Omnis Market Update 28th January 2020 Omnis Market Update 13th January 2020 Omnis Market Update 6th January 2020 Omnis Market Update 16th […]

Why you should get mortgage advice


Taking out a mortgage could be one of the biggest financial decisions you’ll need to make in life, so it’s important to get it right. You could ‘go direct’ to find the right mortgage for your circumstances, as long as you’re prepared to spend time and effort scouring a very competitive market for the lender […]

My journey as a first-time buyer


Being a First Time Buyer was daunting to start with, but once I got in touch with an Openwork Adviser, they settled all my nerves and made the process of buying a place to call home incredibly easy. The big decision Before I could look at houses and house prices, I needed to know what […]

Need help to buy?


Do you aspire to own a new-build home? Are you looking to move home, but lack sufficient funds to afford the repayments on a low-deposit mortgage? You may find it easier to join, or move up the property ladder, thanks to the government-backed Help to Buy scheme. There are several schemes currently: Shared Ownership This […]

Do you have a repayment plan for your mortgage in place?


Thousands of people with interest-only mortgages expiring this year do not have a repayment plan – putting their homes at serious risk of repossession.  An estimated 81,400 mortgages will come to an end in 2019, totalling around £9.2bn in value, according to the Financial Conduct Authority. A further 82,100 mortgages worth £9.7bn will mature in 2020. […]

Reviewing your mortgage deal could save you money


On Thursday 2 August 2018 the Bank of England’s Monetary Policy Committee (MPC) raised interest rates by 0.25 from 0.50% to 0.75%. It’s important to regularly review your mortgage, as it can often make sense to transfer to a new deal – or even a different lender. Your decision to transfer will of course depend […]

How much can I pay into my pension?


A pension is a tax-efficient, long-term savings plan that you contribute to during your working life to provide an income when you stop work. You can benefit from tax relief on the contributions you pay in and your pension pot has the potential to grow. At the moment you can save up to £40,000 every […]

Take advantage of a ‘free’ pay rise


You might think pensions are too complicated and you don’t understand them, but the fact is they are a crucial, tax-efficient savings vehicle that can help give enough money to live on in your retirement. Worryingly though, only two thirds of UK adults are currently saving for retirement, and of those many aren’t saving at […]

A global approach to asset allocation


Asset allocation is one of the key tools in our investment proposition to help strike the right balance between risk and reward in your portfolio. It applies to asset classes, such as equities, bonds and cash, and different global regions. The actively-managed Omnis Managed Portfolio Service (OMPS) and our Graphene model portfolios are all globally […]

Financial Well-being in Retirement


Financial well-being is an important factor when it comes to being able to enjoy life. While we’re earning, it’s possible to secure the living standards we want for ourselves and our families, but it’s also important to put some of that income aside to build up your pension fund. Generally speaking, and subject to investment […]

Long-term investors needn’t fear volatility


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You may have read in the press that markets have been particularly volatile in 2018. But what does this mean for your investments? While stories about stock market falls are guaranteed to make headlines, the subsequent rebounds in prices get less coverage; and that’s when the best investors can often make their money. While the […]

Cost of Raising a Child


We all know raising a child can be expensive. Research has shown, the cost of raising a child to age 18 in the UK varies dependant on whether it’s a girl or boy, with boys coming in at £79,176 and girls a staggering £108,884. As a parent you are committed to doing all you can […]

Making the most of your pension savings


Thanks to there being no major changes announced to pensions in the October 2018 Budget you can continue to pay into your pension over the next 12 months without any surprises to knock you off track. This does, however, present a great time for you to review your pension savings. Are you confident you’re saving […]

Confused about pension planning?


With more UK employees saving for their retirement than ever you could argue that Automatic Enrolment has been a success since its launch six years ago. However, research from the Office for National Statistics (ONS) has revealed that many people contributing to their workplace scheme don’t even realise they’re saving for retirement. Auto enrolment emerged […]

The Gender Pension Gap


If you overheard a conversation about the gender gap, you might automatically think about it in terms of pay, given the relatively recent requirement for firms with more than 250 employees to disclose their pay data. What is less well known though is the gender pension gap. In the UK, this is thought be between […]

The Cost of Retirement


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How much money do you think you’ll need to receive each year of your retirement? According to the investment manager Schroders, working people in the UK aged 55 and over believe this figure would equate to 66% of their current income, but the reality according to UK retirees is actually 53%. Despite the 13% shortfall, […]

Are You Missing Out on the Advantages of Pension Freedoms?


It can seem like we work our entire lives, but retirement comes faster than you think. The average person works around forty five years of their life and then relies on a pension for another twenty five years. That means the money you save towards your pension needs to go a long way. Whether you […]

Women are getting richer than men


According to research women now control 30% of the world’s wealth, up from 25% held five years ago. Women are also expected to see their wealth grow 7% faster than men until 2020, this is a result of women acquiring more wealth through inheritance, but they are also making their own money by becoming entrepreneurs […]

If you became critically ill and unable to work, could you cope financially?


Some things are more reliable than others – monthly bills, for example. Young or old, single or married, we all have financial obligations to meet each month; be it luxuries, like a satellite TV subscription or mobile phone contract, or the real essentials – like keeping a roof over your/your family’s head. But some things […]

The importance of trusts


Trusts are usually simple to set up, but it’s important to select the right type of Trust. What is a Trust? A Trust helps ensure a pay-out goes to the people you’d like to benefit from your protection policy – should the worst happen. As the ‘settler’ (the person who creates the Trust), you can […]

Home improvement


Whether you’re renovating your home because it’s too expensive to move, or you’ve only just bought the place and you’re keen to make your mark, it’s important to stick to jobs that will add value rather than risk reducing its future sale price. Before you embark on improving your home, follow our tips to help […]

Choosing the right type of cover to protect you and your family is important


Act now to ensure you remain protected Making sure you and your family are financially protected should something unexpected happen is one of the most valuable things you can do and will help you avoid a financial crisis. So what type of cover is right for you?   Term Insurance pays out a lump sum […]

The value of protection advice


Protection should be considered as the foundation of all financial planning. After all, if things go awry and you suddenly find yourself in dire financial straits, who or what could you rely on to keep you and your family afloat? Yet many of us are still reluctant to take out protection insurance, either because we […]

Deadline to Breadline


For its latest ‘Deadline to Breadline’ report, Legal and General surveyed 2,000 full and part-time workers to assess how long they could survive on savings if their income stopped due to serious, or long-term illness, or death. The rather worrying answer was 32 days.  The research also revealed that just over a quarter wouldn’t have […]

How to prepare financially for long-term illness


While British life expectancy continues to rise, the same might not be said for the quality of health we could expect to enjoy as we get older, according to a stark warning from The British Heart Foundation. Their analysis suggests the number of people suffering heart attacks and stroke because of a rise in diabetes […]

How a trust can help your financial planning


Writing a policy in Trust could be perceived as something that only the wealthy require, but the reality is Trusts can play an important part in financial planning for people from all walks of life. When it comes to planning your family’s financial future it makes sense to take all steps possible to help protect […]

Become a Superhero in the eyes of our family


When he was younger one of my son’s favourite questions was; “if you could have any super power, what would it be?” He loved the idea of being a Superhero. I think, deep down, we all like the idea of being a Superhero. Being able to do things others can’t; amazing things to help those […]

Savers in the dark about their pension


Are you among the 30.4 million working-age people who don’t know if their pension pot will be big enough to afford a comfortable lifestyle in retirement? According to a report by the Pension and Lifetime Savings Association (PLSA), some of the blame for this worrying statistic could be down to simply not knowing how much […]

Self-Employed lack protection


Just 4% of self-employed workers have income protection in place, leaving the majority vulnerable to financial difficulties if they are suddenly forced to stop working through illness or accident. In its survey of more than 9,000 adults, LV= identified the self-employed as a niche group who would struggle to make ends meet if they stopped […]

What’s stopping you from saving?


Generally speaking, and subject to investment charges and performance, the more you save and the earlier you start saving the better shape your finances are going to be in when you need to draw on them. So why is it then that many of us are reluctant to put money aside for a rainy day, […]

The Importance of Life Cover for You and Your Family


Life cover, sometimes referred to as life insurance cover, is a simple way to make sure that in the event of your death, your family and loved ones are taken care of. When buying a life cover policy, you can choose the amount of coverage you need, the length of the policy, and whether you […]

The value of investment advice


Let’s be honest. Seeking advice on how to look after your money may not be as fun as the immediate thrill of spending it, but it could be a rewarding decision in the long run. Research published last summer by the International Longevity Centre for Royal London found that those who received financial advice in […]

What’s the point of a property survey?


You’re not bound by law to have a survey done on a property you’re buying, but while it may feel like an unnecessary expense given all the other costs involved in home-buying, it could actually save money and stress in the longer-term. A survey is basically a health check on a property. If the property […]

Is your Help to Buy deal ending?


Since its launch in April 2013 more than 145,000 properties have been bought using the Help to Buy Equity Loan scheme. Five years on and the interest-free element of the loan is due to end, with homeowners potentially facing expensive fees. The Help to Buy Equity Loan scheme was aimed at helping more first-time buyers […]

Developed vs emerging markets


The most popular markets among investors typically fall into one of two categories – developed or emerging. There’s no universal definition for either category, but MSCI, a research firm which provides many of the indices used by investment funds as benchmarks, classifies countries according to three main criteria: economic development, liquidity and market accessibility. To […]

Auto enrolment contributions


The introduction of automatic enrolment in 2012 has led to a record high in pension participation, with more than 9.5 million people enrolled through the scheme, but contributions are at minimum levels, ONS data has shown. The number of employees who contribute to a workplace pension has increased over the last five years: 73% of UK […]

Financial wellbeing in retirement


Retirement saving and pension planning

Financial wellbeing is an important factor when it comes to being able to enjoy life. While we’re earning, it’s possible to secure the living standards we want for ourselves and our families, but it’s also important to put some of that income aside to build up your pension fund. Generally speaking, and subject to investment […]

Changing Rooms


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When it comes to selling your house first impressions count, and that starts with kerbside appeal. Start with free Before spending any money, have a look around your property to see what improvements you can make that won’t cost a penny. If you have a garden, plants, or hedges, make sure they’re mown/clipped, and any […]

The Importance of Diversification


investment diversification

Every commentator will have a different idea about which areas and which funds are the best bet and these varying opinions can cause confusion for anyone relying on their expertise. It’s also important to note that none of these talking heads will be privy to your specific financial circumstances and goals – no matter how […]

Don’t fall for a pension scam


Frank Field, Labour MP and chair of an influential parliamentary committee, has called for legislative action to help keep pension savings safe. This comes after Police data shows that more than £43m of people’s retirement savings have been lost to fraud since the pension freedom reforms were announced. Figures from The Pensions Regulator estimate that […]

Some unusual insurance claims


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If we asked you to list the most common reasons for claiming on your household insurance, you’d probably say theft, accidental damage, or damage caused by storms and flooding. The following claims, however, are slightly more unusual… Animals do the strangest things You may have blamed the dog for homework disasters in the past, but […]

Advice matters – whatever stage in life you’re at


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The financial products and services we need to navigate through life will change with our circumstances. In the early years, our financial needs are likely to be more straightforward, getting increasingly complex as whatever your circumstances. 20 – 30’s: From single and sorted to settling down Ah, those carefree days of being young, free and […]

Are you thinking of downsizing?


Moving to the smaller home

According to a survey by Lloyds Bank, 45 percent of empty nesters have no plans to downsize, despite the potential windfall moving to a smaller place could create. For these empty nesters then, life seems pretty comfortable, but their new-found well-being could be at risk if a study by the London School of Economics (LSE) […]

2018: the half year report


The first half of 2018 had no shortage of political tussles and diplomatic standoffs to deliberate on. Here, we consider some of the big economic events across the globe that have kept us busy, including incidents that have come completely from leftfield. UK Brexit has understandably dominated the headlines, and no doubt will continue to […]

Auto-Enrolment Update


It’s reasonable to suggest that auto enrolment has been a major success story. In fact, more than 1 million employers and 9 million employees have made pension saving a part of everyday life since its introduction in 2012. 6 April 2018 saw the second phase in the development of auto-enrolment; when employer and employee minimum […]

What is Private Medical Insurance?


If you’re a resident of the UK, chances are you’re covered for free healthcare from the government. However, you will find yourself limited to NHS facilities, which can include long wait times, work against your schedule, and not cover certain specialists. Private medical insurance not only covers you for procedures and benefits you may not […]

Securing your company’s future


Business Protection is a crucial element in a company’s financial future, but how many have cover in place? According to a study from Legal & General, 53% of the UK’s small businesses think they would cease trading in less than a year, should a key employee die or be diagnosed with a critical illness and […]

With protection comes choice


How many times have you heard the phrase “It won’t happen to me” when it comes to the chances of suffering a serious illness? Unfortunately, given that 1 in 2 people born after 1960 in the UK will be diagnosed with some form of cancer during their lifetime we should perhaps adopt the lottery approach […]

What’s your General Insurance start date?


When you’re in the process of buying a house, you might think the best time for your Home Insurance cover to kick in is on the day you move in. Right? In fact, you must make sure you’re covered on the day you exchange contracts, because it’s at that point that you become legally responsible […]

Need help to buy?


2018 began with a surprising pick-up in house price growth, up 0.6% month-on-month with January seeing a ten-month high increase of 3.2 percent. Even with the wider economy and Brexit developments, the housing market activity is only expected to slow a modest amount. This is great news for those already enjoying the benefits of home-ownership, […]

It happened to him


Don’t let the ‘it won’t happen to me’ approach affect your decision on whether or not to take out critical illness cover. David thought he was a fit, healthy, middle-aged man, with a good exercise regime and diet. He was a keen runner, and had even completed the New York marathon. It was only when […]

Is now the right time to fix?


November 2017 saw the Bank of England raise interest rates for the first time in a decade, from 0.25 per cent to 0.5 per cent, causing a number of lenders to increase their mortgage rates. The Bank of England has indicated there could be further rate rises, so if you’re on a Standard Variable Rate […]

Going, going, gone to the auction!


If you think property auctions are only for professional property developers or investors think again. They can be a great place to pick up a family home. In 2017, some £3,190 million worth of UK residential property was sold at auction, accounting for 21,024 properties. Even though this is just a drop in the ocean […]

Major changes in taxation for owners of buy to let properties


Business, finance, saving money, banking, property loan or mortgage concept : Wood house model, coins, eyeglasses and saving account book or financial statement on office desk table

Major changes in taxation for owners of buy to let properties are being phased in over the four years starting April 2017. If you own buy to let properties, it’s important to take a look at how these gradual changes may affect you over the next few years in order to avoid any nasty surprises. […]

Freehold or Leasehold – the ins and outs


When buying a property, you can do so either on a leasehold or freehold basis and there are important differences to be aware of before you sign on the dotted line. With a leasehold property you own the property and its land for a fixed period, depending on the agreement you have with the landlord. […]

Spring Statement


March has traditionally been the month for Budgets, but no longer. In Autumn 2016 the then-new Chancellor, Philip Hammond made clear he thought the propensity of previous Chancellors to turn their Autumn Statements into second Budgets was not a good idea and that he wanted to make only one set of tax announcements each year […]

Let Property Campaign


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If you let out a residential property but haven’t declared the rental income, you might be interested in a new campaign from HM Revenue & Customs (HMRC). HMRC estimates landlords fail to pay £550m every year and their ‘Let Property Campaign’ aims to reclaim the lost income tax on undisclosed rental income. The campaign targets […]

Are You Considering Pensions to Get Money Out of Your Company?


New research has suggested that UK’s Small and Medium Enterprises (SMEs) are optimistic about the global economy and their role in it.  If this applies to you and you have built up a healthy balance sheet, you may be considering how you can release money from your business in a tax-efficient way. Most business owners […]

Is Your Pension Tax Efficient?


Since April 2015, pensioners have had greater freedom over how they manage their retirement savings. No longer forced to buy an annuity, they can now leave their money invested and draw an income from it (known as flexi-access drawdown). Whether you’ve already stopped working, or you’re planning to retire soon, you should be familiar with […]

Are You Missing Out on the Advantages of Pension Freedoms?


It can seem like we work our entire lives, but retirement comes faster than you think. The average person works around forty-five years of their life and then relies on a pension for another twenty-five years. That means the money you save towards your pension needs to go a long way. Whether you have multiple […]

Considering Investing in an ISA? Read this first.


Much of the discussion and commentary around ISAs is positive, particularly comments that come from the government. However, is an ISA the best place to invest your hard-earned money? What interest can you expect to earn? Here’s what you need to know. What is an ISA? ISA stands for Individual Savings Account, a title which […]

Eggs aren’t just for Easter


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The original use of the term ‘nest-egg’ comes from an artificial egg being put into a nest to induce a hen to lay. These days we often refer to our hard-earned savings as our nest-egg, and the recent rise in the ISA allowance gives additional incentive to encourage savings to grow tax-efficiently. Egg-cellent ISAs On […]

Interest Rate Rise


In 2007 Bulgaria and Romania joined the European Union, Lewis Hamilton got his first drive in Formula 1 partnering with Fernando Alonso at McLaren, the final book in the Harry Potter series was published and England played their first match at the new Wembley Stadium. It was also the year in which the Bank of […]

The Value of Protection


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Buying a new home is possibly one of life’s biggest and most exciting events. It’s also a major financial commitment – one that could be with you for 25 years or more. Your ability to maintain your mortgage payments relies on a constant income, so how would you continue to make your mortgage repayments if […]

Taking a Global View


Keeping your investments close to home may have its advantages, but only by looking globally can you be sure you’re making the most of diversification. Imagine mealtimes without choice; your culinary options limited only to British food. No stir-fries, no fajitas, no sushi – no burgers even, and fewer curries (our British national dish the […]

The ABC of Junior ISAs


The Junior Individual Savings Account (ISA) was introduced in 2011, 12 years after the launch of the original ISA in 1999, which recently celebrated its 18th birthday. In a nutshell, the Junior ISA is a long-term, tax-free savings account for children. It effectively replaced the Child Trust Fund and aims to enable parents to save […]

Are You Retiring Soon?


If you are planning on retiring soon there are a few things you may like to consider before you make any important decisions. Gather all the information You need to gather information on all your assets, including pensions as well as savings and investments. Don’t forget to include your State Pension. There are ways to […]

How To Choose a Good Conveyancer


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Conveyancing is an important part of the home buying process, and it’s important to note it’s required when both buying and selling a property. So, what should you consider when choosing a property solicitor to carry out your conveyancing? It’s important to use a qualified property solicitor who’ll be able to take care of a […]

7 Questions You Should Ask a Financial Adviser Every Year


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When was the last time you did a personal financial review? If it was more than a year ago, you should get in touch with a financial adviser today. Here are seven questions you should ask a financial adviser every year to ensure you achieve your financial goals. How will recent changes in my personal […]

Why Crowdfund The Cost of Your Healthcare?


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Crowdfunding is becoming increasingly common among people who need healthcare that’s not freely available through the NHS. Protection Websites such as justgiving.com, crowdfunder.co.uk and gofundme.com are full of campaigns from families trying to raise funds for treatments, or seeking help to avoid the financial hardships that a serious illness such as cancer or stroke can […]