News

1. Your circumstances have changed In a very short time your circumstances can change significantly. Many life events can come and go without you considering the implications they could have on your mortgage or on your protection needs. If you think something may have changed that is of importance, such as marriage, having children, a […]

What is remortgaging? Remortgaging is the process of switching a mortgage to a different lender without moving homes. For many borrowers, it is also the ideal opportunity to review their personal and financial circumstances and to consider whether their current mortgage and lender is the most suitable for them. What are common reasons to remortgage? […]

If you are on an interest-only mortgage that is nearing its end, you may be considering the next step. The good news is, you won’t be alone. Nearly 136,000 interest-only mortgages are due to mature in 2017, with a combined value of almost £16 billion. Fortunately, lenders are innovating their products and making more options […]

Life insurance is worth considering in most circumstances and here we take a look at why insurance for single people might be deemed appropriate. You are young and healthy The premium you pay each month for life insurance is highly dependent on your age and your health, the younger and healthier you are the less […]

With the average age of a First-time buyer now 37 years old, a number of people are currently renting or living at home with their parents.  However there have been real positive movements in this area of the market. Recent figures from the Council of Mortgage Lenders have shown that the number of first time […]

Many people believe that if they should lose the ability to work by falling ill or having an accident, the state would step in or their employer will continue to pay them. Employers are only legally required to cover sick payments as part of the statutory requirements for 28 weeks and many employers may only […]

No-one wants to think about what will happen when a loved one dies. Everything changes and the last thing you should have to worry about is adding a financial strain to your family. If you have children or any form of debt, it is essential that you have protection in place in case the worst […]

Moving your mortgage could result in saving you money. We have seen a number of lenders reducing their mortgage interest rates recently for both fixed and tracker products, many of which are now offering rates lower than most lenders’ standard variable rates (SVR). This means if you are currently on an SVR mortgage, now is […]

According to a recent survey* only a startling 12% of the working population has some form of critical illness cover yet public awareness of these policies is extremely high. Clearly, something is preventing people from considering this valuable form of cover. Many people instantly dismiss such policies as they believe they are either too expensive […]