Often Christmas is a time that people get together and celebrate, which can lead to many conversations over the dinner table. Maybe you have been thinking of buying your first home or perhaps considering moving to a new home. These…
Setting yourself up for a happy new year
Christmas is on the horizon and its one of the times of the year where our usual frugal spending habits can be forgotten. But in order to avoid a stressful start to 2020, its important to make sure you keep…
Accountants Too Good?
Mortgages, both now and in the past, have required affordability checks. For the self employed your income will typically be assessed based on what your tax year overviews and tax calculations show. Historically when the old self cert mortgages were…
Building your Credit Profile
I have discussed first time buyer information, including hints and tips many times previously, however there is something that crops up on a regular basis. Many people are aware (some are not) that if you have any form of adverse…
Where There’s a Will There’s a Way
One of the things we ask all our clients is do you have a will. We find that many people do not have a will. However, we believe this is a very important aspect of your financial plan. If something…
Separation and Divorce
Frequently we need to assess our finances and expenses and a significant time in your life when you will do this is if you are experiencing divorce or separation. Unsurprisingly the more assets and children you have the more complicated…
Let to Buy
If you are planning for your future, you may be considering purchasing a bigger residential property within the next few years and with that you may also be considering whether to keep your existing property and let it out or…
THE HELP TO BUY ISA CLOSURE
The Help to Buy ISA is closing to new account holders on the 30th November 2019. The Help to Buy ISA is an account which offers a government top up of 25% on what you’ve saved when you use the…
Rise of The Long Term Fixed Rate
Recently a couple of lenders have announced that they are bringing out a 15 year fixed rate mortgage product. This follows the trends of recent years with a rise in longer term fixed rates becoming available, with 7 year and…
Summer Clean
With many people enjoying their summer holidays, with children being off school and perhaps holidaying whether that be abroad or a staycation, it is a very busy (and expensive) time for lots of families. Finances are often stretched throughout the…