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Fewer than one in four people has a life insurance policy that would support their family in the event of their death, a new study1 has found. As the cost-of-living burden worsens, experts fear that the protection gap could continue to widen. Indeed, a tenth of respondents said they have already given up one or…

Mortgages became headline news in October. Despite the current mortgage market, it is still possible to make a positive decision. Rates rise The political turmoil recently initially sent interest rates soaring and left millions of mortgage holders with hundreds of pounds more to pay each month. Liz Truss’ brief stint as Prime Minister has resulted…

As an employee, you may find that you are eligible for an employee benefits package. Your employer may provide you some level of group protection. This may include life insurance, also known as a death in service, along with potentially an income protection benefit. Death in service is linked to your salary and is in…

After increasing the Bank Rate to 2.25% in September, the Bank of England (BoE) has since said it will ‘not hesitate’ to hike rates further to curb inflation. Variable rates Changing rates have a significant impact on the amount you repay on your mortgage. Those on a tracker mortgage will see their rate increase (or…

Planning for what you’ll leave behind once you’re gone is no easy task. But if you have loved ones that rely on your income, finding the right life insurance policy can make facing the unknown a little less daunting. Peace of mind Knowing your loved ones will not face financial hardship in your absence brings…

According to the Office for National Statistics, inflation hit a near 40 year high of 9% during April and could yet rise further during the remainder of the year. Driven by a further increase in the energy price cap coming in in October, experts are predicting this figure could rise to 10% putting a further…

Property Surveys – What are they and why are they a good idea?

Property Surveys – What are they and why are they a good idea?

There are many online guides for the Help to Buy Equity Loan Scheme and how the process works when first buying a property, but what happens when you come to remortgage?

There are many online guides for the Help to Buy Equity Loan Scheme and how the process works when first buying a property, but what happens when you come to remortgage?

There is a natural connection between protection and homeowners, but new research suggests that renters could in fact gain more from the benefits of cover. Rent rise The number of households renting privately in the UK rose by 63% in the decade to 20171, reaching an estimated 4.5 million. As the rising cost of living…

The start of a new year is an ideal time to reassess your finances. Protection should be near the top of your list in 2023. Get protected The right protection for your unique needs is an indispensable safety net against any unexpected downturn in your financial situation. As we head into 2023, ask yourself if…

Unpredictability was certainly a theme for UK housing in 2022, with political turbulence, Bank Rate hikes and shifting post-pandemic supply and demand patterns all contributing to an uncertain and fast-changing market. As we move in 2023, questions still abound. House prices to fall Foremost among these questions is – how far will house prices fall?…

What is an offset mortgage? An offset mortgage works in the same way any other mortgage works with the addition of the ability to reduce the amount of mortgage interest you pay. This is done by utilising a savings pot to reduce the amount of the mortgage balance that you are charged interest on. For…