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April 2024

How to release equity for a trip of a lifetime!

Equity Release, Homeowners |

Are you finally ready to take that dream holiday you’ve been thinking up for years? We are here to discuss how releasing equity can help you get there. A Lifetime Mortgage allows homeowners aged 55 and over to access value. It can provide you with a lump sum or regular income. Here's our step-by-step guide on how to plan the trip of a lifetime:

What is a mortgage holiday? And is it worth it?

Home Movers, Remortgages, Mortgage tips, Homeowners |

A mortgage holiday might sound intriguing. But firstly, it's for those experiencing temporary financial difficulty. We investigate some reasons you may need one. Plus, essential factors you need to consider.

Spring Budget 2024 summary: what are the key takeaways?

Home Movers, First Time Buyers, Remortgages, Homeowners |

On the 6th March, the Chancellor of the Exchequer, Jeremy Hunt, delivered his Spring Budget for 2024. This speech saw the announcement of some new taxes and adjustments to existing taxes. We also saw changes to several economic policies. In our summary, we look into how this budget might affect you. Here’s some key takeaways for you.

March 2024

More greens - lower insurance premiums

Protection, Wellbeing |

Sorry, your mum was right – eating your greens is good for you! Maintaining a healthy lifestyle obviously makes sense for your overall well-being, but did you know it can also impact your insurance? Let’s take a closer look at private medical insurance and how eating healthy (yes, more greens!) can complement your policy.

Why millennials should care about general insurance: planning for the future

Home Insurance, Homeowners, Protection |

In a world where the future is uncertain, one thing remains constant: the need for protection. For those born between 1981 and 1996 (hello, millennials!), planning for the future might seem daunting. we take a closer look at why this generation should start to prioritise understanding general insurance. You are investing in your long-term financial well-being and peace of mind.

Lifetime Mortgages: How to spring refresh your home with calm and wellness

Equity Release, Mortgage tips, Saving Money, Homeowners |

Make your home a place for peace as we close in on those chilly winter months. We show you how you can release equity from your property to restore wellness and calm. You are on your way to zen! Plus, some easy low-cost tips you can do today. Explore how a Lifetime Mortgage can bring calmness and wellness to your home this spring.

What is a ‘stress test' and how does it work?

Home Movers, First Time Buyers, Remortgages, Mortgage tips |

Are you coming to the end of a fixed rate mortgage or have your circumstances changed? For example, a new baby or job? We do a deep dive into one of the more complex concepts of mortgages and why your circumstances might affect them. Have you heard of ‘stress tests’ before? Introduced in 2014, stress tests, aka an ‘income test’, are an important part of the mortgage process.

Discover the safety net: how income protection can safeguard your future and lifestyle

Protection |

Did you know there is insurance that will pay you your salary? It covers you if you are too sick to work or have an accident and can't work. Depending on what you can afford, income protection can support you. Or for an agreed amount of time. Here are just a few reasons why income protection is worth looking into…

February 2024

Show your finances some love

Saving Money |

Just like any meaningful relationship, building a strong connection with your finances requires time, care, and a touch of creativity. Whether you're embarking on a new financial journey or looking to rekindle the flame with your budget, these top tips will help you spark a stronger connection and fall head over heels in love with your finances.

Having a will makes life easier for your loved ones

February is the month of Valentine's Day, and a time where the air is filled with love and expressions of affection. While chocolates, flowers, and romantic gestures are appreciated, this year, consider a gift that expresses a commitment to a future filled with care and consideration. The ultimate Valentine's Day gift? Arranging a Will.

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How to use equity release for a new garden renovation or a dream holiday

Using equity release to fund a garden renovation or a dream holiday can be a smart move if done wise...

Looking to buy this summer? Let’s get your preapproval sorted!

Did you know that the summer months typically see an increase in home sales? We thought we’d put to...

A fresh start for your money this spring

Let’s get a bit cheesy this month with this very catchy phrase: “Spring Cleaning Your Finances—A ...

How does your gender affect health?

Are you looking for a health insurance policy? We’ve looked at the research and there are some dif...

Your monthly equity release update

New research shows that people over the age of 55 are increasingly choosing to release equity in the...

Expect the unexpected: Critical Illness Protection for the whole family

Did you know Critical Illness Protection is important for the whole family? Not just the main earner...

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

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THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

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