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Are You Thinking About Equity Release?

Equity release is becoming an increasingly popular way of solving a dilemma many older people face. On the one hand, they want to stay in their own home for as long as possible. On the other hand, they went to access the value in their home and also reduce their...

Should You Prioritise Property Or Your Pension?

Both pensions and property can be good ways of financing your retirement.  It is, however, important to think carefully about which you prioritise.  Here is a quick guide to what you need to know. The basics of pensions. In the UK, public-sector employees may still...

Getting Ready to (Re)Mortgage

Taking out a (new) mortgage is often a major decision.  That means it’s worth taking the time to prepare and do thorough research.  Ideally, you should start laying the ground for your mortgage application about 6 months before you apply.  This should give you enough...

Are You A New First-Time Buyer?

Last year, saw 408,379 people collect the keys to their first home.  It was the first year the number of first-time buyers had exceeded 400K since 2006.  If you were one of those first-time buyers, you might be feeling somewhat nervous about the future.  Here are some...

The pros and cons of 40-year mortgages

The UK mortgage market has a wide selection of both variable-rate and fixed-rate mortgages.  It also has other niche mortgage products such as offset mortgages.  One of the more recent entrants to the market is the 40-year mortgage on a fixed rate.  In principle, this...