Your Annual ISA allowance: Use it or lose it
The end of the tax year on the 5 April brings with it a ‘use it or lose it’ deadline for your annual ISA allowance. An ISA has an annual allowance of £20,000 and the benefit that at the point you withdraw some, or all, of the accumulated funds, the proceeds will be free of […]
End of Tax Year Approaching – Maximise Your Allowances
The 5 April tax deadline is fast approaching. We want to ensure you’re making the most of your 2024/25 tax allowances to achieve your financial goals. Our team of experts is here to provide: Your next steps: Here to Help Our dedicated team are here to provide the guidance and support you need to make […]
What’s the difference between a product transfer and a remortgage?
If you want to stay on top of your mortgage repayments and ensure you’re getting the right deal for your circumstances then remortgaging is one of the most important financial decisions you can make. But is it best to change to a new mortgage product with your current lender via a product transfer or look […]
What does an interest rate cut mean for mortgages?
Every six weeks or so, all eyes are on the Bank of England and its Monetary Policy Committee (MPC) – the group that decides whether interest rates will be increased, held or cut. How they choose to act has an impact on how much it costs banks to borrow money and what rates they can […]
Remortgaging as a landlord: What to consider with a buy to let mortgage.
If you’re looking for a buy to let mortgage in the current economic climate, the prospect may feel a little daunting. There’s no denying that as a landlord, due to remortgage, you may be facing higher mortgage rates and monthly payments which could put a squeeze on your profits. But an adviser can help you […]
Life after your Fixed Rate mortgage. Why plan ahead of your fixed rate ending?
The earlier you plan your remortgage, the more mortgage options you have! And in the current economic climate, it really does pay to know your options. An expert adviser can find the deal for you. If you’re due to remortgage in the next year or so, take a look at our handy list of does […]
First time buyers guide to saving for a deposit
When preparing to buy your first home, saving for a deposit can be a difficult process. As house prices, inflation, cost of living and mortgage rates increase, it can mean that some mortgage lenders may require larger deposits of the property value. This can be challenging trying to save a large sum of money and […]
Green mortgages
Can your energy efficient home help save money on your mortgage? Have you ever heard of a green mortgage? They’re steadily becoming a popular option for property owners, as many lenders are adding them to their portfolios. If you’re due to remortgage soon and you have an energy efficient home, it’s well worth considering them […]
Busting remo myths
Busting re-mortgaging myths. Your circumstances have changed – will you be able to remortgage? We all know life doesn’t stay the same. Our jobs, our relationships, our financial circumstances, they all evolve over time. So if our lives are constantly changing, why should our mortgage stay the same? Your life may have completely altered since […]
Should I remortgage
Life after your Fixed Rate mortgage. Should I remortgage when my fixed rate ends? The short answer? Yes. If you don’t remortgage at the end of your term, you will be automatically transferred to your lender’s standard variable rate, which tends to be higher than the rates on most other mortgage options.* So if you’re […]