Since October 2019 there have been two major world crises, Covid and the Ukrainian war that have impacted our savings and investments in terms of stock market volatility. Just as we see the value of our savings fall, gradually rise again and then fall with each emerging crisis, our feelings and sometimes our behaviours follow…
You could take some of the tax free cash from your personal pension to help you through these difficult times
There’s a lot going on in the world right now, and the last thing you might be thinking about is the state of your savings and investments. But the fact is, wider political and economic developments have an effect on finances, in terms of both savings and outgoings. The key to coming out of any…
We are proud of the fact that our valued clients return to us time and time again. Not just for on-going pension advice, but after 3 years or more when mortgages need renewing or insurance services are required.
Since 2015 pension freedoms have allowed people to enjoy greater flexibility as to how they take their pensions, resulting in withdrawals of up to £37bn. The Government are now proposing that whilst freedoms to withdraw pensions, flexibly, will remain in place; when people can access pensions will change. From 2028 the pension age will increase…
Bank of England base rate at 0.1% since start of pandemic in March 2020 What has happened to cash ISA’s? The return on investment from some major providers is low. If you have a cash ISA with the Halifax, for example, the return is just above base rate at 0.2%. So a fund of £20,000,…
Quite often clients are turned down by large lenders as they only are able to offer their own restricted range of products. As we are independent mortgage advisers we can help find a product that suits your needs from a wide and diverse range of product providers. As a small practice we also pride ourselves…
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