The Importance of Protection

The Importance of Protection

Millions of pet owners have purchased insurance in case of an expensive trip to the vet, but who will pick up the bill if something happens to you? Many pet owners will know the stress and financial burden caused by an expensive vet’s bill and have taken out pet insurance to avoid having to make difficult decisions at stressful times. In fact, figures show 3.9 million dogs and cats are…

mortgage advice

The Value of Mortgage Advice

With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go direct’. But when you’re making such a huge financial commitment, the guidance you can get from a qualified mortgage adviser can be invaluable. Here are five ways we can make a difference to your mortgage search: We know what a good deal looks like It’s…

buy to let

What Makes a Good Buy to Let Investment?

With property prices continuing to rise, Buy to Let can be an attractive way to invest. But whether buying your first Buy to Let property, or adding to your portfolio, it’s important to consider what’s involved. Being a landlord As well as the obvious duties of finding tenants and making sure they pay their rent on time, there are also a number of legal requirements that you need to meet…

first time buyers

Buying for the first time?

For first time buyers, getting onto the property ladder may seem a daunting process, but there’s more help available than you might think. With supply and demand at an imbalance, the average UK house price has been pushed beyond the reach of many first-time buyers. August data from Land Registry shows an annual price increase of 8.4%, taking the value of the average UK property to £218,964. When you consider…

repayment plan

What’s Your Repayment Plan?

Thousands of people with interest-only mortgages expiring this year do not have a repayment plan, putting their homes at serious risk of repossession. 40,000 interest-only mortgages are set to mature in 2016, but experts suggest that only half of these homeowners have the capital in place to repay the loan. And according to the charity Citizen’s Advice Bureau, this is just the tip of the iceberg, with 934,000 interest-only borrowers…

remortgaging

Are You Considering Remortgaging?

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 introductory rate, it’s worth considering the bigger picture. Should I stay or should I go? It’s true that moving to a new deal could save you money,…

moving home

Moving Home

Moving home can be stressful, especially if you’re new to the property ladder. But, by following a few simple tips, you can help ensure your move goes as smoothly as possible. Seek mortgage advice Try and get a mortgage offer in place before you start the buying process. It can be tempting to cut out the middleman and ‘go direct’ when choosing a deal, but the guidance you can get…

bank of mum and dad

Bank of Mum and Dad

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 loan their children to help them buy their first home is estimated to be £5bn. This puts them alongside the 10th largest mortgage lender in the…

forever home news feature

Have you Found Your Forever Home?

When you think about your dream home – the one you can see yourself growing old in – what do you imagine it looks like? A modern architectural masterpiece built of glass and metal, or something more old-fashioned and cosy? If you asked your friends and family what their ideal ‘forever’ home looks like they will probably all have very different ideas. What does your forever home look like? Whether…

the risks of being underinsured

The Risks of being Underinsured

Most of us wouldn’t think twice about protecting our home, car, TV or smart phone – we even insure our holidays and pets. But there’s one aspect of protection that too few of us consider – what happens to our homes and our livelihoods in the event we have an accident, serious illness or die? What’s your greatest financial asset? What would you say if you were asked what’s your…