For many people, income protection is one of those “nice to have” policies that often gets pushed to the bottom of the priority list. But what happens if illness or injury stops you from working for several months — or longer? Without income protection, the financial and emotional consequences can be far greater than most […]
The Real Cost of Not Having Income Protection Read More »
Getting on the property ladder has become increasingly challenging for first-time buyers, with rising house prices, high deposit requirements and affordability checks making homeownership feel out of reach. One option that has grown in popularity over the last two decades is shared ownership. But what does it actually involve and could it be the right
Shared Ownership Mortgages Explained: Pros, Cons and Pitfalls Read More »
Falling Interest Rates, Expiring Deals — A Window of Opportunity Summer 2025 finds the UK mortgage market at a pivotal moment. Following several Bank of England base rate reductions — from 5.25% in August 2024 to 4.25% by May 2025 — lenders are now competing harder than ever, introducing more attractive fixed rates and incentives.
Why Summer 2025 Is the Best Time to Review or Switch Your Mortgage Read More »
Buying a first home is a huge milestone — and a major financial commitment. But according to recent FCA-backed research, nearly 30% of UK mortgage holders under 40 have no life insurance. That means many young homeowners are financially exposed if the worst were to happen. This article explores why this protection gap exists, what
Why Nearly 30% of Under-40s with Mortgages Have No Life Insurance — And Why It Matters Read More »
For couples in the UK, securing life insurance is a fundamental step in comprehensive financial planning. It provides peace of mind, knowing that your loved ones will be financially supported should the unthinkable happen. However, a common dilemma arises when choosing cover: should you opt for a single policy each, or a joint policy? This
Joint vs. Single Life Insurance: What’s Best for Couples in the UK? Read More »
Income Protection insurance provides a vital financial safety net, ensuring you receive a regular income if you’re unable to work due to illness or injury. While the core benefit – replacing a portion of your income – is clear, one of the significant decisions when setting up a policy is selecting the ‘waiting period’ (also
Choosing the Right Waiting Period for Income Protection Read More »
Let to Buy Mortgages: Unlocking Your Next Property Opportunity Let to Buy mortgages can present a compelling opportunity for those looking to expand their investment portfolio. Perhaps you’re considering relocating but wish to retain your current property as a rental income source? Or maybe you’ve identified a promising new home before selling your existing one?
Let to Buy Mortgages Read More »
The UK property sales market frequently operates on a chain system – a sequence of interconnected property transactions where the successful sale of one property is often contingent upon the completion of others, both up and down the line. When one link in this chain falters and breaks, the repercussions can be significant, causing stress,
The Financial Advisor’s Role When a Property Chain Breaks: Navigating the Fallout Read More »
The appeal of owning a holiday let in the UK, whether it’s a charming cottage tucked away in the Yorkshire Dales or a scenic coastal retreat in Cornwall, is undeniably strong. The prospect of generating income while owning a desirable property is, indeed, a compelling one. However, securing a mortgage for a holiday let is
Mortgages For Holiday Lets: Navigating the UK Market Read More »
Securing a mortgage is a significant financial commitment, often spanning decades. However, life’s uncertainties can pose a threat to your ability to maintain mortgage repayments. Critical illness cover, therefore, provides a safety net, offering financial protection should you be diagnosed with a serious illness. This article explores how critical illness cover interacts with mortgages in
How Does Critical Illness Cover Work with a Mortgage? Read More »
