If you’re thinking of building your own home, financing the project may be high on your list of priorities. Self-build mortgages are different from normal mortgages. They release funds at stages during the building work, rather than in one lump sum when you complete a property purchase. Some lenders also extend a loan to help …
What you need to know about self-build mortgages Read More »
First of all, as the UK and many countries around the world tentatively ease their lockdowns, we hope that you and your family are continuing to stay well and benefiting from the initial steps to get back to normal. The coronavirus pandemic has caused significant volatility in global equity markets and we continue to see …
If you have dependents – people who rely on you financially – then you should have life insurance. In fact, if you have dependents and don’t have life insurance, you are exposing them to grave financial risk. And who would want to do that? Life insurance tends not to feature on ‘to do’ lists because …
While, for many, discussions about money can be extremely uncomfortable, experts have long stressed the best approach to financial issues is invariably to talk about them. Indeed, perceived wisdom suggests the more open and honest people are about money, the better their life and relationships tend to be. Finance: the last tabooThere’s a wide variety …
Working from home – are you covered? Due to the lockdown, many firms have closed workplaces, meaning that millions of people across the UK have been temporarily required to work from home. Should I inform my insurer that I am working from home?The Association of British Insurers (ABI) has issued reassurance that, if you are …
Check your existing income protection policy Insurance brokers have reported an increase in enquiries about income protection cover since the pandemic outbreak, with people concerned about becoming ill and being unable to continue working, or worried about losing their jobs. Income protection explainedIncome protection policies provide a monthly payment (payable after a waiting period) to …
Life Insurance: It’s not for you, it’s for them! Life insurance is for your loved ones to make sure there is a roof over their heads and food on their table. It’s to ensure that they can continue to do the things in life you’d want them to, if the worst happened and you weren’t around. …
Think Twice Before Cancelling Your Protection Policies Read More »
Warnings from a number of UK bodies, including the Bank of England, Financial Conduct Authority, National Crime Agency and Action Fraud have urged people to be vigilant about scams by fraudsters who are taking advantage of people’s fears and capitalising on the COVID-19 crisis. Huge increase in casesAction Fraud has released figures showing that reports …
Business protection is a crucial element in a company’s financial future, but how many have cover in place? You may have covered the tangible assets in your business, but have you protected the most important asset; the people who contribute directly to your bottom line? If the answer is no, you could be putting your …
There was welcome news for young savers in the March Budget with the government announcing the Junior ISA (JISA) allowance was to be more than doubled, from £4,368 to £9,000 from 6 April 2020. JISA and CTFs both benefitJISAs replaced Child Trust Funds (CTF) in 2011, but those who stillhold CTF will continue to benefit …
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