by Brian Downton | J, May, 2023 | blog, mortgages
With over 10 years of record low interest rates, fixed rate mortgages offer borrowers the stability of knowing what the mortgage payment will be for a set period, which helps with budgeting. Because of the way many lenders decide what rates to offer, we’re currently...
by Brian Downton | J, Apr, 2023 | blog, mortgages
Getting on the housing ladder can feel like one of the hardest and longest processes in the world and the cost of living crisis is probably not helping. You need to come across as attractive buyers for lenders to consider you, but there are many factors that can...
by Brian Downton | J, Apr, 2023 | blog, mortgages
If you have a mortgage rate coming up for renewal this year, it is essential to start planning early. Don’t let yourself get blindsided by the rate increases. Having a mortgage review is a key part of ensuring you are in control of your finances when your...
by Brian Downton | J, Apr, 2023 | blog, general, wealth-management
The new tax year on 6 April 2023 is a great time to review your finances. The new tax year means annual allowances are reset and ready to be reused – to help you make the most of your money. This year more than ever, with interest rates and inflation on the rise,...
by Brian Downton | J, Apr, 2023 | blog, general
Having ready cash on hand is an essential part of any successful financial plan. When investing, it’s important to hold an emergency fund. This readily available cash will mean you’re prepared to protect yourself against the unexpected and also plays a vital role in...
by Brian Downton | J, Mar, 2023 | blog, general
It’s a good idea to know how your investments are taxed when selling them. Here are some of the ways you can organise your assets to make them tax efficient. One of the worst things about earning money is that you have to pay tax. Whether it’s your salary or the...
by Brian Downton | J, Mar, 2023 | blog, general
The start of a new year is a great time to review your finances – whether it’s your savings and investments, mortgages or insurance policies. Higher interest rates and the rapid increase in the cost of living are likely to be affecting many areas of your finances. The...
by Brian Downton | J, Mar, 2023 | blog, general
ISA transfer rules can be confusing for savers. In this blog post, we will break down these rules and explain how they work. We will also discuss what you need to know before transferring your ISA to another provider. What is an ISA transfer? Moving your savings with...
