by Brian Downton | J, Jan, 2017 | blog, mortgages
With continuing low interest rates, you may be considering remortgaging to save money. Even if your mortgage provider has recently reduced its Standard Variable Rate (SVR), moving to a new mortgage deal could save you money. But before you’re tempted by an attractive...
by Brian Downton | J, Dec, 2016 | blog, Pensions
In April 2015 the government introduced the most significant pension reforms for a generation. The reforms give people who’ve worked and saved hard greater flexibility over how and when they access their pension savings and mean anyone reaching retirement age has been...
by Brian Downton | J, Dec, 2016 | blog, Pensions
A financially rewarding retirement is not the only contributor to a satisfying, healthy and enjoyable life, it’s still a pretty important one. For most, during working life, financial wellbeing will depend on whatever they do to earn money. However, as well as...
by Brian Downton | J, Dec, 2016 | blog, wealth-management
Since 2012, the average cash ISA rate has fallen from 2.84% to just 0.82%, while stocks and shares ISAs are performing far better, delivering an average growth of 7.4% during the 2014/15 tax year. Clearly the latter carry a varying degree of investment risk (depending...
by Brian Downton | J, Dec, 2016 | blog, mortgages
With rising house prices outpacing income an increasing number of young people will borrow from parents and family in order to get onto the property ladder. The 10th largest mortgage lender The combined amount which parents and grandparents will be prepared to gift or...
by Brian Downton | J, Dec, 2016 | blog, protection
Going through a divorce, dissolution or separation is one of life’s most stressful events, so it’s important to have people around you to help with the practicalities. This is particularly true when it comes to financial matters, which can be complex and emotionally...
by Brian Downton | J, Nov, 2016 | blog, protection
With cyber crime hitting the headlines more and more these days it’s not just big businesses like TalkTalk and Ashley Madison that are in the fraudsters’ sights. What’s the worst that can happen? You may be thinking an email hack could lead to nothing more than...
by Brian Downton | J, Nov, 2016 | blog, protection
Back pain is a common problem that affects most of us at some point. In 2014/15 9.5 million working days were lost due to musculoskeletal disorders including back pain. To put that figure in perspective that’s just over 26,000 years of lost productivity. In some...
