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The 0.1% base rate: what does it mean for your mortgage?

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. March 2020 saw some interesting changes for the Bank of England’s (BoE) base rate. On the 19th March, it was cut […]
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Downsizing vs Equity Release: Which is Better?

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Did you know that almost 1/8 people in the UK have no private or workplace pension? That means many of these […]
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How to Spend Money Wisely in 2020

This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. A new year, and also a new decade. 2020 feels like a fresh start for many people, and this January is […]
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Is Your Child Missing out on £2,000 from the Government?

Did you know that your child might have over £2,000 held in a forgotten bank account? In 2005, the Labour government set up an initiative called the Child Trust Fund. It allowed both the government and also parents to put money into a special account for their children, provided they were born after 1st September […]
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Important Announcement About “Paperless Pensions…”

Due to recent changes in legislation (Mifid II Directive), providers for Personal Pensions & ISAs will be reporting to their clients on a quarterly basis. Providers are encouraging clients to enable ‘paperless’ communications via an online portal. We would advise you register for online access to view plan valuations, policy information and review provider correspondence. […]
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How to Create the Life You Want (Part II)

In our previous article, we talked about how to start laying out a financial plan to achieve your life goals (e.g. travelling the world in retirement). That post looked specifically at drawing up a “road map” and set of SMART goals towards this end.   In this article, we’re going to focus more on the […]
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2018 Budget Highlights

Philip Hammond, UK Chancellor of the Exchequer, published the 2018 Budget to Parliament on 29th October. Many people are rightly asking, how will this budget affect me? On the higher level, the Budget spoke about the economy. Notably, the deficit has reduced from 9.9% in 2009/10 to 1.1% today, and 3m more people are in […]
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Buying Your First Home? Here’s A Simple Timeline Of What To Expect

It is often said that the three most stressful things a person can experience are divorce, changing jobs and moving house. The first two are beyond the scope of this article. As experienced mortgage and financial advisers, however, for those looking to buy a home – we can help.   One way to help alleviate […]
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5 Self-Defence Tips Against Financial Scams

There are very few worse experiences than the feeling which comes from being robbed. It leaves you feeling shaken, violated and insecure.   Online robbery – otherwise known as scamming – is prevalent these days, and some of the worst cases occur when it comes to theft in the realms of pensions, finances and personal […]
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A Quick, Simple Guide To Annuities

To understand “annuities”, you first need to know that broadly speaking, there are two types of workplace pension.   The first is a “defined benefit” (or “final salary”) pension, which gives you an annual income from your employer once you retire.   The amount you get is usually based on factors such as how long […]
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