Why plan ahead of your fixed rate ending?

 The earlier you plan your remortgage, the more mortgage options you have! And in the current economic climate, it really does pay to know your options. An expert adviser can find the deal for you.

 If you’re due to remortgage in the next year or so, take a look at our handy list of does and don’ts that will help you plan ahead with confidence.

 -         DO give yourself time to weigh up your options. Leaving anything to the last minute can be incredibly stressful – even more so when it’s somethi...

Income protection – one little change you can make to protect your family’s financial future.

As a parent, providing for your children is a top priority – from making sure they have food on the table, to ensuring they have the extras they need in life.

Putting income protection in place means you’ll always be able to support your children with a regular income if the unthinkable should happen and you’re unable to work because of serious illness or injury.

Keeping your family financially healthy.

2024 research from LV shows that the aver...

 Written by Issy Minturn22nd November 2024

Saving for your child's university education

Saving for your child’s university education requires careful planning and budgeting. By starting early, considering investment opportunities, encouraging your child to save, looking for scholarships and bursaries, and planning, you can make saving for university a manageable goal and give your child the best possible start in life.

What is the average cost of university?

The annual cost of an undergraduate degree is £9,250 for most students in the UK...

Why mortgage rates don’t always drop when the base rate does?

The Bank of England’s Monetary Policy Committee (MPC) is the group responsible for setting the bank base rate (BBR). This interest rate influences the cost of borrowing for banks and the rates they offer on loans, mortgages and savings, all with the ultimate aim of helping to control inflation.

When the committee meets roughly every six weeks, all eyes are on its decision. Based on a large number of factors in the UK economy and also abroad, the MPC will decide whether to raise,...

Are you protecting your pension contributions?

When it comes to planning for retirement, making sure your pension contributions are on-track is important. But life can throw curveballs like illness or injury which could make it tough to keep up with contributions.

Why Income Protection matters
Income protection insurance is designed to pay a proportion of your income, approximately 60-70%, if you are unable to work due to illness or injury. This financial safety net ensures that you can continue to meet your financial obligations, includin...

Autumn Budget 2024: Winners and Losers

Chancellor of the Exchequer Rachel Reeves outlined the Government’s financial plans for the next five years. The measures, which will raise up to £40 billion for public finances, aim to “restore economic stability” and put “more pounds in people’s pockets”.

On 30 October 2024, Chancellor of the Exchequer Rachel Reeves announced the UK Government’s Autumn Budget alongside the Office of Budget Responsibility’s economic and fiscal forecast. The measures aim to raise more than £40 billion in taxes, ...

Although not traditionally associated with jollity, for those who like to have the last laugh, a funeral may offer the perfect opportunity.

It’s becoming increasingly popular to use humour during services to reflect the personality of the individual being celebrated. A survey by Co-op Funeralcare on the music people would like at their final goodbye found Another One Bites the Dust by Queen, Going Underground by the Jam and Highway to Hell by ACDC were among the chosen tunes.

After the music’s faded, gravestones offer another opportunity t...

Lisa is a university lecturer and a keen kayaker in her early 50s. She’s also a single mum to two teenage daughters – Lila and Eliza. Lila is in the final year of her A-levels and Eliza is in the first year of her GCSEs. Both daughters are very academic – Lila wants to be a doctor and Eliza a vet.

With the cost-of-living crisis showing no signs of lessening its grip, despite earning over £50,000 a year, Lisa is finding she has less and less disposable income at the end of the month. With the cost of her daughters’ continuing education and h...