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Decoding the Stress Behind Mortgage Applications
Acquiring a home is a monumental life milestone, and for most, it necessitates navigating the labyrinth of mortgage applications. However, what should ideally be an exciting journey into homeownership often becomes a source of stress and anxiety. In a revealing...
The Bank of Family And Its Impact On The UK Housing Market
The bank of mum and dad has expanded to become the bank of family. Its expansion has enabled it to underwrite an even bigger percentage of the UK’s mortgages. This means it has developed even more influence on the UK’s property market. This influence is, however,...
Is your pension underpaying you
The state pension is an essential source of income for many retirees in the UK, providing financial stability and security in retirement. Unfortunately, recent reports suggest that the state pension system is underpaying thousands of individuals, resulting in...
Mortgages could cause household woes
As homeowners, it's crucial to be prepared for the possibility of an increase in mortgage interest rates. Such increases can impact monthly repayments and overall financial stability. This article will explore five effective strategies to help homeowners navigate...
What Could IHT Mean For You?
The COVID19 bill is coming due. One way or another, it will need to be paid. There may be a certain level of scope for the government to make savings. Realistically, however, it seems highly unlikely that there is enough scope for it to avoid raising taxes at all. If...
Preparing For Your Very Last Move
Death and taxes are both inevitable. It, therefore, makes sense to prepare for both. Unlike filing taxes, preparing for your death can have its interesting side. In particular, you get to plan your own funeral. You also get the satisfaction of knowing that you’ve made...
Talking Points
Understanding Inheritance Tax
The basic idea behind Inheritance Tax (IHT) is simple. When you die, the value of your estate will be assessed and if it falls over a certain threshold, HMRC will claim a share of it. In practice, however, your tax liability can depend largely on your ability to plan...
Surprising ways health insurance can benefit you
Insurance is often looked at in negative terms. In fairness, that’s understandable. Fundamentally, insurance will always be something you buy to protect you against the consequences of a negative event that you hope won’t happen. With that said, however, insurance can...
Steps you should take to protect your family if lose your income
Protecting your family from loss of income should be a priority at any time. It’s especially relevant now. Even single adults should take the prospect of income loss seriously. At this time of life, your expenses may be minimal. They can, however, still mount up...
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...
10 Healthy Financial Resolutions For 2023 (And Beyond)
New Year’s resolutions shouldn’t be just for January. Effective New Year’s resolutions should create a foundation for healthier habits throughout the year. With that in mind, here are ten healthy financial resolutions for 2023 (and beyond). I will budget effectively...
Decoding the Stress Behind Mortgage Applications
Acquiring a home is a monumental life milestone, and for most, it necessitates navigating the labyrinth of mortgage applications. However, what should ideally be an exciting journey into homeownership often becomes a source of stress and anxiety. In a revealing...
The Bank of Family And Its Impact On The UK Housing Market
The bank of mum and dad has expanded to become the bank of family. Its expansion has enabled it to underwrite an even bigger percentage of the UK’s mortgages. This means it has developed even more influence on the UK’s property market. This influence is, however,...
Mortgages could cause household woes
As homeowners, it's crucial to be prepared for the possibility of an increase in mortgage interest rates. Such increases can impact monthly repayments and overall financial stability. This article will explore five effective strategies to help homeowners navigate...
New Mortgage Charter
New Mortgage Charter encourages lenders to provide you with more support Banks and Building Societies have been encouraged by Chancellor Jeremy Hunt to offer more flexibility if you are finding it difficult to make mortgage payments. Mortgage lenders, the FCA, the...
Is your pension underpaying you
The state pension is an essential source of income for many retirees in the UK, providing financial stability and security in retirement. Unfortunately, recent reports suggest that the state pension system is underpaying thousands of individuals, resulting in...
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...
Spring statement – Investors
Like its predecessor, the spring budget, the spring statement heralds the beginning of the end of the financial year. It also sets out what investors can expect from the year ahead. Here are its key points. The UK is expected to avoid a recession The Office for...
Are Voluntary National Insurance Contributions Worth The Money?
In the UK, every new year, financial writers remind their readers to organise their finances before the end of the financial year. For some people, this may include deciding whether or not to pay voluntary National Insurance contributions. If you are one of these...
Is your pension underpaying you
The state pension is an essential source of income for many retirees in the UK, providing financial stability and security in retirement. Unfortunately, recent reports suggest that the state pension system is underpaying thousands of individuals, resulting in...
10 Healthy Financial Resolutions For 2023 (And Beyond)
New Year’s resolutions shouldn’t be just for January. Effective New Year’s resolutions should create a foundation for healthier habits throughout the year. With that in mind, here are ten healthy financial resolutions for 2023 (and beyond). I will budget effectively...
Are You On Top Of Retirement Planning?
It’s probably fair to say that, right now, many people are more concerned with getting through the present than planning for their retirement. This is understandable. The problem with this approach, however, is that the future can arrive much quicker than it seems...
Are You (Financially) Ready For Retirement?
If you’re at the younger end of the boomer generation, then retirement should be high on your list of priorities. In fact, even if you’re in Gen X, retirement should be one of your key considerations, especially if you’re at the older end of it. This means you...
Is your pension underpaying you
The state pension is an essential source of income for many retirees in the UK, providing financial stability and security in retirement. Unfortunately, recent reports suggest that the state pension system is underpaying thousands of individuals, resulting in...
5 Common Investment Myths Debunked
While rising interest rates make saving more attractive, it’s vital to remember that inflation is also rising. If you want to keep pace with inflation, let alone beat it, you almost certainly need to commit to investing rather than just saving. If you’ve been put off...
Wealth Protection
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Investing for children
As a parent, you want to do everything you can to ensure that your children have a bright and secure future. One way to do this is by investing on their behalf. Not only can they start adulthood with some savings, but getting children involved early with saving also...
Is The Four-Day Week The Way Of The Future
As Stephen Fry pointed out, the working week is a social construct, not a scientific fact. What’s more, there’s no real backing for it in law, in theory, or in reality. This means that, in principle, there should be no real barrier to the UK (or anywhere else)...
The hierarchy of financial needs
Preparing For Your Very Last Move
Death and taxes are both inevitable. It, therefore, makes sense to prepare for both. Unlike filing taxes, preparing for your death can have its interesting side. In particular, you get to plan your own funeral. You also get the satisfaction of knowing that you’ve made...
What Happens To Your Estate If You Die Without Making A Will
You may have seen daytime TV shows involving “heir hunters”. These people aim to track down the heirs of people who’ve died intestate. They then help them to claim their inheritance (for a fee). In the real world, intestacy isn’t usually so exciting. In fact, it...