A tracker mortgage is a type of home loan where the interest rate you pay isn’t fixed. Instead, it “tracks” an external benchmark interest rate, typically the Bank of England base rate. This means your interest rate will move up and down in line with changes to that benchmark. How Does a Tracker Mortgage Work? […]
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What to Expect From Your Initial Financial Advisor Appointment Choosing the right mortgage or insurance can be a daunting task. That’s where a good advisor comes in. But with so many options available, how do you know what to expect from a financial advisor, whether you meet face-to-face or virtually? This guide helps you navigate
Updated as of November 2023 At the beginning of November, the Bank of England decided to maintain the base rate at 5.25%, sparking optimism that we may be approaching the conclusion of interest rate hikes. This development prompts the question: Is now the right time to fix my mortgage and perhaps more importantly, how long
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Ensuring Your Insurance Cover Meets Life’s Changes and Goals Life is constantly changing. Your family grows, your career evolves and your financial situation changes. As these occur, your insurance needs can also change. To ensure that your insurance policies continue to serve their intended purpose, it’s crucial to review and update them. In this guide,
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It’s no secret that the property-buying process can be stressful and sometimes lengthy. Securing a mortgage offer is one of the first steps on the journey to home ownership. However, there can be unforeseen hiccups along the way. It’s important to understand your mortgage offer. This can help you avoid potential delays, ensuring a smoother
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Life is unpredictable, and none of us can foresee the challenges that lie ahead. However, we can take steps to protect ourselves and our loved ones from the financial hardships that often accompany health crises. One such step is securing critical illness cover. But exactly how much cover is needed? In this guide, we will
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When it comes to financial planning, there’s one key element that often gets overlooked – our ability to earn an income. Our income is the basis of our finances, providing for our daily needs, future goals and the well-being of our loved ones. This guide explains the benefits and why it can be crucial. Income
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Life can be full of twists and turns, so it is crucial to make informed decisions to protect your loved ones’ financial future. You are the backbone of your family’s financial stability, but what if something were to happen to you? This is where life assurance steps in, becoming a lifeline for their financial security
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In today’s world, protecting our family’s financial security is a top priority. Life and Critical Illness cover play a vital role, offering a safety net when life takes unexpected turns. In this guide, we’ll dive into the details of these insurance policies, exploring why they matter and how they can provide you and your loved
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Securing a mortgage as a self-employed person might seem complex, but understanding how your income is calculated can clarify it. Mortgage lenders in the UK have criteria for working out the income figures used to determine your borrowing capacity. In this guide, we’ll break down the key factors that lenders consider. 1. Documentation is Key
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