Remortgaging: Residential and Commercial

Remortgaging is a process whereby an individual or business pays an existing mortgage on a particular property using the proceeds from a new mortgage, which is taken out against the same property...[read more]

Lifetime Mortgages for the Over 55’s

Although house prices are currently experiencing a downward cycle, the substantial growth in property value in recent years means that there are currently thousands of people who are sitting on untapped capital in the UK housing market...[read more]

Business Assurance

In the ever increasing complexity of the global economy, the need for transparency in financial matters is becoming even more important...[read more]

The Things You Need to Know about Buy to Let Mortgages

Buy-to-let mortgages are specially tailored to suit the needs of individuals, or groups, wishing to invest in properties for the purposes of renting to tenants. With this type of mortgage, the amount available to a potential investor is dependent on the value of the properties rental value...[read more]

Top Ten Tips about Buying Homes Overseas

Think about the reasons you are buying the property, consider whether you are buying the property in order to have a holiday home, or as a long-term investment...[read more]

What is Keyman Insurance?

Keyman is a type of life insurance that is designed to protect businesses against the financial losses caused by the death or long-term incapacity of their key employees. Keyman insurance is often an integral part of the financial affairs of large corporations, however, medium to small sized businesses often forget to consider, or are unaware of the existence of Keyman insurance...[read more]

Ten Things You Should Know About Life Assurance

Life assurance, also known as life insurance, is a financial contract agreed between a person(s) and an insurance policy provider. The contract stipulates that money will be paid out in the event of death or terminal illness concerning the person(s) for which the policy is intended...[read more]

Pension Fund Transfer - a Brief Guide

You will have heard of the pensions crisis that is looming in the UK and you probably want to ensure yourself that you’ll be secure come retirement time.  ...[read more]

ISA Investments

The term ISA stands for Individual Savings Account. They should be a necessary addition to the financial portfolio of anyone has savings or capital. To qualify for an ISA you must be a UK resident and aged eighteen or above (sixteen for cash ISAs)...[read more]

Top 5 Reasons to Build a Long-Term Relationship with your IFA

Your IFA or Independent Financial Advisor should be a qualified expert in all areas, competent to offer professional advice on mortgages, savings and investments, annuities, commercial finance, equity release and life assurance. But why should you build a lasting relationship with your IFA?...[read more]

Ten Things You Need to Know About Equity Release (Lifetime Mortgages)

Many people are turning to Equity Release to unlock the real value in their homes. Through equity release, people are able to more fully enjoy their retirement. These are ten points that you should consider about Equity Release and Lifetime Mortgages...[read more]

Pension Annuities

An Annuity is a product that you buy for a lump sum that guarantees an income for the rest of your life. At present, Pension Annuities are only available through insurance companies.  When you buy an annuity, you sell your saved pension fund to exchange it for a regular income...[read more]

Shared Equity Mortgages – A thing of the future?

Getting on the first rung of the property ladder is becoming more and more difficult due to widening gap between property prices and affordability levels of first time buyers...[read more]

Choosing a Mortgage Broker

Choosing a mortgage has never been easy, but in recent years the market has exploded. Gone are the days when the major decision you had to make was between a variable and a fixed rate...[read more]

Pensions - The Basics

What benefits can you expect and when will they be available to you?....[read more]

The safe way to buy overseas

Knowing you want an overseas holiday home is the easy bit. Knowing where to start can be far trickier....[read more]

Commercial Mortgage Advice

A lower cost commercial mortgage will increase the bottom line profit of a business....[read more]

Life Assurance - A Rough Calulation

A common question asked by our clients is how much life cover do I need?...[read more]

Why do annuity rates vary so much?

The highest annuity available from pension funds is a single life, level payment pension with no guarantees...[read more]

Stamp Duty Increases

The average amount of Stamp Duty paid on a home has increased by 24.76%, says Mform.co.uk....[read more]

An Independent Financial Advisers Guide to Family Protection

Prolonged ill-health, disability and death are all major threats to a family's financial security....[read more]

Estate Planning

Estate planning is to preserve, protect and pass down family wealth....[read more]

Capital Gains Tax (CGT)

The Chancellor has confirmed that there will be an 18% flat rate of CGT applying to amounts over the annual exempt amount (£9,600 for 2008/09) on disposals after 6 April 2008...[read more]

50 is the new 60

The link between stopping work and taking pension benefits has been broken creating a brand new market for income drawdown...[read more]

Understanding Life Assurance - Part One

From the end of the Second World War, the vast majority of life assurance policies were purchased from the 'Insurance Man'...[read more]

Understanding Life Assurance - Part Two

So, what is life assurance and why do people buy it? For that matter, what is the difference between life insurance and life assurance...[read more]

Understanding Life Assurance - Part Three

Why is it that different companies charge different life cover premiums for what is essentially the same product?...[read more]