News

Avoids Probate Money doesn’t go through probate which can be a lengthy process Insurer can usually pay within weeks, not months Inheritance Tax mitigation The payout normally sits outside your estate Helps avoid or reduce Inheritance Tax (IHT) valuable if: your estate may exceed the current IHT threshold you have a large policy or other […]

The Importance of Getting Advice from a Mortgage Broker Buying a home is one of the most significant financial decisions most people will ever make. With so many loan options, lenders, interest rates, and lending criteria to consider, navigating the mortgage market can quickly become overwhelming. This is where the expertise of a mortgage broker […]

Interest rates were cut four times in 2025 with the Bank of England reducing rates from 4.75 per cent to 3.75 per cent. The last reduction in December 2025 was widely anticipated given recent weak economic data to help reassure the Bank of England with the Bank expected to take action against sluggish growth and rising […]

29th Jan 2025 - Article appears in MSN by Ed Magnus UK interest rates will fall faster and further than markets expect, two giant US banks predict The Bank of England is likely to cut interest rates far further and faster than markets currently expect, two giant US banks forecast. Morgan Stanley predicts UK interest rates to fall […]

Article published 15.11.2024 Mortgage rates have risen despite the Bank of England cutting interest rates in November. The final sub-4 per cent fixed rates on offer from major banks and building societies were withdrawn from the market . So far this week, seven high street lenders have increased their mortgage rates.  This may have come as […]

Banks and building societies will offer more flexibility to struggling mortgage-holders as rates soar. The move comes after bank bosses met the chancellor, Jeremy Hunt, in Downing Street on Friday. Borrowers will be able to make a temporary change to their mortgage terms, then will be able to return to their original deal within six […]

Mortgage lenders consistently ask for the above documentaiton for the self employed or for those with variable components to their income. The following guide gives an overview of how to obtain these. Please contact us should you experience any issues. PROCEDURE TO OBTAIN SA302S (TAX CALCULATIONS) Log into the HMRC online account (go to https://www.gov.uk/sa302-tax-calculation) […]

It’s relatively common knowledge now that the cost of living will be going up in April of this year and there is plenty of apprehension surrounding the subject. Now with recent events in Europe heightening that concern, many plan to slash any non-essential outgoings in order to help deal with the increased energy costs – […]

In recent times there have been a number of changes that have directly affected landlords in the UK. If you’re a landlord you’ll know all about the tax changes and stamp duty changes, the tenant fees act and the proposed removal of section 21 which will stop landlords from removing tenants after the end of […]

Data released by the Office for National Statistics last month revealed the number of self-employed workers in the UK has surged to a new record high. There are now a massive 4.9 million workers across the nation who are their own boss. Being self-employed can bring with it many benefits. You can work around your […]

What to do prior to making an mortgage application. There are a number of things you can do in advance to prepare for a mortgage application that will make the whole process a lot easier and smoother for you. These include but are not limited to: Deposit - Saving for a deposit This might sound […]

Income protection, commonly known as IP can provide monthly tax-free payments that replace part of your income. These payments help ease any financial hardship if you're not able to work. The cover usually pays out until you are able to start working again or until the end of the benefit or policy term. You can […]