Category: News

6 areas where a mortgage adviser can add value

22.10.2019

Taking out a mortgage is a big step. Whether it’s for your first home or as you’re moving up the property ladder. With the length of mortgage increasing and house prices rising considerably over the last few decades, getting the right mortgage is essential. It could save you money and come with other benefits. You may be thinking of going down the DIY route when choosing a mortgage. But there are reasons why choosing to work with a mortgage...

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What to consider when investing for a child’s future

22.10.2019

Children born today have a one in four chance of celebrating their 100th birthday. It’s progress that should certainly be celebrated but one that also leads to financial questions. How do you prepare for a life that could span ten decades? Many parents choose to put some money aside for children to give them a helping hand when they reach adulthood. Whether you’ll be making regular payments or adding money on Christmas and birthdays, you’ll...

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How financial planning goes beyond simple calculations

22.10.2019

When you first think of seeking financial advice, it might be the calculations that you focus on. The figures are an important part of understanding your financial situation and what you can achieve. However, it’s just a small part of what financial planning is about and where it adds value. Financial Planning Week was celebrated earlier this month, aiming to encourage more people to consider the benefits of working with a financial planner....

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What is compound interest and how does it affect you?

22.10.2019

Einstein once reportedly referred to compound interest as the ‘eighth wonder of the world’, stating: “He who understands it, earns it, he who doesn’t, pays it”. So, just what is compound interest and when do you benefit from it? Whilst financial jargon can often seem complex, compound interest is actually simple and easy to take advantage of. The term refers to the principle that when you save money you can earn interest on not only your...

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Bonds: How do they fit into your investment portfolio?

22.10.2019

Bonds are a common feature in many investment portfolios, alongside stocks, shares and cash assets. But how do they fit into your investment portfolio and what percentage should be allocated to bonds? What is a bond? Before diving into purchasing bonds, it’s important to understand exactly what they are and, therefore, how they can be beneficial to you. A bond is essentially a loan made by an investor to a borrower, which may be a government...

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7 things to review when looking at your pension

22.10.2019

Research suggests thousands could be missing out on investment returns in their pension because they haven’t updated their retirement age. Remaining engaged with your pension can help you create a retirement income that meets expectations. So, what should you review when looking at your pension? 1. What fund are you invested in? Typically, a Defined Contribution pension will offer several different fund options for you to choose from. When you...

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Investment market update: August 2019

10.09.2019

Welcome to our latest update of the investment markets. We take a quick look at some of the key factors that influenced the stock market in August and could continue to do so over the coming months. August has been characterised by volatility, recession fears and the ongoing trade war between the US and China. Rising gold prices and falling bond yields over the last month suggest that investors are worried about uncertainty. UK Now, just months...

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The cost of being a landlord in the UK

10.09.2019

House prices and rental yield have risen significantly over the last few decades. So, it’s no surprise that becoming a landlord is often seen as an attractive way to supplement income or create a nest egg for retirement. However, research shows that landlords have to contend with significant costs too. If you’re thinking of using property to build up your wealth, it’s important that you go ahead with a clear understanding of how much a...

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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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