Centuries ago, Benjamin Franklin announced that “By failing to prepare you are preparing to fail”. This is especially true when it comes to ensuring your personal finances are protected from the rainiest of days. However, with the rising cost of living likely putting pressure on your spending, you may be considering cancelling your cover, even when [...]
Moving home can be a hectic and exciting time, but don’t forget about protection – taking out the appropriate policies can save you a lot of stress in the long term. If you’ve just moved home or are about to, it probably feels like you’ve been caught up in a bit of a whirlwind over the [...]
As well as peace of mind, many insurance providers offer additional benefits that you may not know about. Whether we’re crossing the road or getting on a plane, we encounter risks every day. For many of us, life has felt more uncertain than ever over the past year as we continue to deal with the coronavirus [...]
Chancellor of the Exchequer, Rishi Sunak, delivered his second Budget on 3 March declaring that "we will recover". The key fiscal event, which had been delayed from the Autumn due to the pandemic, centred on a £65bn three-part plan designed to continue supporting British people and businesses through the pandemic, ‘fix’ the public finances once recovery [...]
Contrary to costs such as legal fees, estate agency fees or Stamp Duty, having your new home surveyed isn’t actually compulsory. However, with a property being the most expensive thing most of us will ever buy, the price of not having it checked by a surveyor could be devastating. If you buy a property for the [...]
Estimates suggest that well over one million borrowers have lapsed onto their lender’s default standard variable rate (SVR). Has this happened to you? If so, now could be the perfect time to consider a remortgage, to get your finances in good shape for the year ahead. Do you know your mortgage rate? If your current tracker, [...]
The world is changing – so should your insurance The world is changing rapidly in a way that nobody could ever have expected, meaning your personal and financial circumstances are likely to have changed. It is important to regularly review all aspects of your finances and that includes reviewing your protection insurance, to make sure your [...]
If you have dependents – people who rely on you financially – then you should have life insurance. In fact, if you have dependents and don’t have life insurance, you are exposing them to grave financial risk. And who would want to do that? Life insurance tends not to feature on ‘to do’ lists because it [...]
When someone is arranging a policy in their own name and its connected to a mortgage, there are some important benefits to consider when placing it into trust. Joint life policies can be put in trust, however for the purpose of a mortgage it’s not a usual process. If you have a joint life, first death [...]
Being a first-time buyer can be daunting. Not only are you about to make one of the biggest financial decisions in your life, but you’ll probably also have family members and friends offering their ideas on the right house, mortgage, lender conveyancer and even removal company for you. We’ve put together some ideas to try and [...]
