When you’re self-employed, your income depends entirely on your ability to work. If illness or injury stops you, the financial impact can be immediate. That’s why income protection insurance is such an important safety net — it replaces part of your income if you can’t work due to health problems or accidents. This guide explains […]
Income Protection for Self-Employed Workers: How It Works Read More »
For many homeowners, the idea of saving on mortgage interest while keeping access to their cash sounds too good to be true. Yet that’s exactly what an offset mortgage can offer. By linking your mortgage to your savings, you could pay less interest, clear your balance sooner, and stay flexible with your money. This guide explains
Offset Mortgages Explained: Could They Save You Money? Read More »
If you’re thinking about moving home but don’t want to lose the mortgage deal you already have, there’s a good chance you’ve wondered about porting your mortgage. With interest rates fluctuating and affordability under pressure, many UK homeowners want to keep hold of a competitive rate rather than starting from scratch. This guide explains what
Porting Your Mortgage: How to Move Home with Your Existing Deal Read More »
Many people worry that having a medical condition will prevent them from getting life insurance. In reality, while pre-existing conditions can affect the cost or terms of a policy, it doesn’t always mean you’ll be declined. Insurers assess each case individually, and there are often more options than people expect. This guide looks at what counts
Life Insurance with Pre-Existing Medical Conditions: Your Options Read More »
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 »
