Protection products, such as life cover, critical illness cover and income protection, are one of the easiest things in the world for some people to convince themselves they don’t need. The usual reasons are, ‘it won’t happen to us’, or…
Lifestyle Quiz to Secure a Mortgage
New regulations have now come into force on April 26th that could profoundly affect the housing market. The regulator the Financial Conduct Authority has introduced the new rules known as The Mortgage Market Review, to ensure borrowers can afford their…
Direct Property Investment Vs Investment Funds
There are many ways you can invest your money to try and make a return. Some people don’t like taking risks with their hard earned money and won’t look any further than cash based accounts. Those that do like to…
The New Pension and Buy To Let
From April 2015, all restrictions on access to your personal pension pot will be removed. So long as you are fifty five you will be able to access the entire fund, with no restrictions on what you do with it. …
3rd March 2014 – Fixing for the Long Term
Although the bank base rate has remained at the same record low levels of 0.5% since March 2009, fixed rate mortgages are showing signs of rising in the early part of 2014. It appears that many borrowers are getting the…
17th February 2014 – Looking After Your Credit Fil
The big change in the mortgage market this year is that you may find it much easier to buy a house with a smaller deposit. One area where it hasn’t become much easier is if you have been struggling…
Help to buy 2:
Judging by the number of young faces that have been coming into my office during January it looks like the Help to Buy scheme 2 is attracting a lot of interest, with first time buyers again being able to enter…
Buying a house without saving a deposit
This year promises to be interesting in the mortgage and housing market. The help to buy scheme has made buying a home possible for many people. Now there are many more products available which can enable you to buy a…
New Years Resolutions
With the New Year having been ushered in it is worth making some financial resolutions that could save you money, whilst at the same time giving you and your family better value products. My three tips for 2014 that will…
Mortgages at Christmas
As a mortgage broker, it is never easy giving somebody the bad news that they can’t get the mortgage they need. Recently I had the most difficult client to get a mortgage for, and the one that upset me…