Stock markets are gambling on a rise in interest rates due to soaring prices in food and energy bills. There is no doubt about it, however well we budget, all of us are going to see an additional squeeze on our finances as the chancellor tries to plug the gap from the pandemic bail-out. For…
Covid is said to cost the Govt £5.billion in borrowing during the years 2020-2022 and naturally there is a need to replenish funds. An increase of 6% in corporation tax and a freezing of tax allowances over the next few years will help to raise towards £8 bill a year by 2025. No complaint here…
We are proud of the fact that our valued clients return to us time and time again. Not just for on-going pension advice, but after 3 years or more when mortgages need renewing or insurance services are required.
Since 2015 pension freedoms have allowed people to enjoy greater flexibility as to how they take their pensions, resulting in withdrawals of up to £37bn. The Government are now proposing that whilst freedoms to withdraw pensions, flexibly, will remain in place; when people can access pensions will change. From 2028 the pension age will increase…
Bank of England base rate at 0.1% since start of pandemic in March 2020 What has happened to cash ISA’s? The return on investment from some major providers is low. If you have a cash ISA with the Halifax, for example, the return is just above base rate at 0.2%. So a fund of £20,000,…
Being acknowledged that I have the qualifications, experience and permissions to call myself a Chartered Financial Planner is something I have been working towards for years. In addition to studying whilst working full time, life has thrown many challenges during those 8 years; open heart surgery, marriage, relocation, the birth of my first child. I…
Quite often clients are turned down by large lenders as they only are able to offer their own restricted range of products. As we are independent mortgage advisers we can help find a product that suits your needs from a wide and diverse range of product providers. As a small practice we also pride ourselves…
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