Category: News

6 tips for securing a mortgage if you’re self-employed

10.09.2019

The ability to work flexibly has led to far more people becoming self-employed. In fact, official statistics indicate there were more than 4.8 million self-employed workers in 2018, a figure that’s likely to increase further. Whilst the flexibility it offers can certainly be appealing, it can make securing a mortgage to get on the property ladder challenging. If this is a position you find yourself in, there are things you can do to improve your...

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Can you afford to retire before State Pension age?

10.09.2019

When do you want to retire? Are you dreaming of giving up work before you start collecting your State Pension? With news that the State Pension age is rising and suggestions the government needs to raise it quicker, it’s a question more workers may be thinking about. With 15th September marking Pension Awareness Day, now is the perfect time to consider whether your pension contributions are aligned with your plans. The sooner you start planning...

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5 steps to take if you’re relying on an inheritance

10.09.2019

  Are you expecting to receive an inheritance at some point in your life? Whilst many of us know loved ones hope to leave something behind for family, it seems that people are increasingly relying on an inheritance to achieve their aspirations. According to a survey, one in seven young adults expects to inherit money before they are 35. With house prices rising, it’s not surprising that over a fifth hope to fund their first property...

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4 things to consider when managing pension investments in retirement

10.09.2019

Since 2015, retirees have had far more control over their pensions. Rather than purchasing an Annuity, more are choosing to leave their pension invested. This has benefits and can help you build a flexible income, but there are things to keep in mind too. Figures from HM Revenue and Customs (HMRC) revealed that in the second quarter of 2019, retirees withdrew £2.75 billion from their pension flexibly. It represents the greatest amount withdrawn...

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What to do if you think you’ll never retire

10.09.2019

More people are paying into a pension than ever before. Yet, millions are still worried they’ll never be able to retire. If you have concerns about the retirement lifestyle you will be able to afford, there are often steps you can take to improve this. First, the good news: the number of people saving enough for retirement has hit its highest ever level, according to Scottish Widows. Almost three in five Brits are deemed to be putting enough...

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Investment update: July 2019

31.07.2019

Welcome to our August update for the investment markets. We take a quick look at some of the key factors that have been influencing the stock markets and could continue to do so over the coming months. Unfortunately, the latest news paints a gloomy picture for UK and Europe economies. UK At the top of news from the UK in July, is Boris Johnson being crowned winner of the Tory leadership race; he became Prime Minister on 23rd July 2019. The UK now...

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6 things to consider when searching for a mortgage

31.07.2019

Thanks to the internet, searching and comparing mortgages has never been easier. However, the market is huge with a range of providers, from those with a high street presence to specialist lenders. As a result, it can be challenging to find the right mortgage product for you, whether you’re a first-time buyer or remortgaging to secure a better deal. So, what areas should you focus on? There are six key factors to keep in mind when you want to...

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When should you consider financial protection products?

31.07.2019

Financial protection probably isn’t something you often think about, but it should be part of your financial plan. What would happen if your income were to unexpectedly stop for a period of six months for example? Many people dismiss financial protection as something that isn’t suitable for their situation. However, if losing your main source of income would have an impact on your lifestyle, it’s worth looking at your options. According to...

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5 questions to ask when you’re planning for retirement

31.07.2019

Planning your retirement can be a challenge. There are multiple areas to think about and you may not have a clear idea of what you want it to look like. However, whilst putting off planning until the retirement date arrives might seem attractive, it can mean missing out. Taking a proactive approach in the run-up to retirement can provide focus. If you’re at a loss about where to start with retirement planning, bringing the spotlight back to you...

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What is a bear market?

31.07.2019

The world of investing can often seem like it’s filled with jargon and confusing phrases. Among those may be ‘bear market’ and ‘bull market’. When you’re reading the financial papers of newspapers or browsing online, these terms are likely to crop up, but what do they mean? Bull markets: A bull market is typically characterised by optimism and economic growth; financial markets are rising or expected to rise. When the stock market is...

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