Financial Protection for Your Mortgage When You’re Too ill to Work A recent report estimated that only 1% of UK workers looking to return to work after poor health find a job within six months. Without regular employment, government benefits are often not enough to live on. In this blog, we look at the challenges for homeowners and the types
What affects insurance premiums Homeowners in the UK may have noticed that their home insurance premiums have increased. There are various factors that can impact the cost of insurance policies, including environmental, geographical, inflation and personal information. We look at what affects insurance premiums and why you should check that you have an adequate level of cover. Bad weather and
Should you fix your mortgage now? The recent cut in interest rates from 4.5% to 4.25% is welcome news for many homeowners. If you’re wondering whether you should fix your mortgage, then it’s worth exploring your options. Over recent weeks, most mortgage lenders have been steadily lowering their rates to around 4%. Fixed Rate mortgages can be cheaper in the
Why is insurance important for young adults? It’s estimated that a growing number of young adults don’t have insurance, so why is it important that young people become insured? We look at the problems that can occur when people don’t have the right level of protection in place. Being uninsured could leave you unprotected Last year a recent survey found
Stamp Duty Tax Relief for First-Time Buyers The past few months have been a busy time for the housing market, as homebuyers rushed to complete before the changes to Stamp Duty. If you’re looking to purchase your first home, there is Stamp Duty tax relief still available for first-time buyers. In this blog, we look at the new tax thresholds
Do you need critical illness insurance? It’s not easy thinking about what might happen if you became seriously ill, and no one wants to believe it could ever happen to them. However, planning for the worst could significantly reduce the financial strain on you and your loved ones if the unthinkable did happen. If you’re wondering whether you need critical
Your moving house checklist With house prices predicted to rise in 2025, confidence has been growing among sellers. Due to the recent Stamp Duty changes, there’s also been an urgency among homebuyers to complete in the last financial quarter of this year. If you’re preparing to put your property up for sale, our moving house checklist will help you get
Should you pay off your mortgage or buy a second property? Last autumn, the UK’s first female Chancellor, Rachel Reeves, delivered the first Labour budget for 14 years, aiming to raise £40 bn in taxes. For homeowners, there were various changes which could affect whether you decide to pay off your mortgage or buy a second property. We look at
Is it worth putting life insurance in trust? Life insurance can provide a much-needed financial buffer for your surviving partner and family in the event of your death. This policy pays out a lump sum when the policyholder dies within the specified term. However, is it worth putting life insurance in trust and how would this work? We explain the
What Are The Benefits of Private Medical Insurance? Private health cover can give you fast access to medical treatment if you were to fall ill or sustain an injury. You won’t have to rely on NHS waiting times and you’ll have a wider choice in how you are treated. In this blog, we look at the benefits of private medical
