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October 2023

Burglary rises when the clocks go back: is your home at risk?

Homeowners |

Burglary statistics reveal a strange fact. Each time the clocks go back one hour for Daylight Saving Time (DST), the number of break-ins increases by one-third. Most home insurance policies will cover you if your home is burgled, but there are limitations which could lead to your claim being rejected. Some of the scenarios that may catch you out include...

Myth busting: Private medical insurance

Protection |

In today's rapidly changing world, health and well-being have become paramount concerns for individuals and families alike. Ensuring access to quality healthcare is a fundamental need, and one way to achieve this is through private medical insurance (PMI). However, PMI often carries with it a fair share of misconceptions and myths.

Caste study: Using Equity Release to gift a house deposit

Equity Release, Case Studies, Homeowners |

One of the options for homeowners aged 55 or over, who want to give children or grandchildren money to buy a home, is to consider releasing equity from their own property. Equity release could allow you to give them their inheritance early, offering you the chance to see this money being put to use when it is needed.

5 reasons why you should consider income protection

Protection |

Life is unpredictable and we never know what’s around the corner. With this in mind, have you thought about what would happen to you or your loved ones if you couldn’t work due to illness or an accident which resulted in a loss of earnings?

A spotlight on green mortgages

Home Movers, First Time Buyers, Remortgages, Mortgage tips |

In recent years, there has been a growing global awareness of the need to combat climate change and reduce our carbon footprint. As part of this initiative, various sustainable financial products have emerged, one of which is the green mortgage.

September 2023

Navigating TikTok Shop: Exploring a new e-commerce frontier while staying scam-savvy

The world of e-commerce is ever-evolving, constantly introducing fresh avenues for both sellers and buyers to connect and transact. One such platform making waves in this dynamic landscape is TikTok Shop. While it holds exciting potential for discovering unique products and engaging with innovative brands, it's crucial to navigate this terrain with caution to avoid falling victim to scams.

Get your home and property autumn ready

Home Insurance, Saving Money |

Taking a few precautions before the onset of Winter weather can help you avoid potential claims and prevent the need for more extensive repairs later on. Here are seven steps you can take to ready your home and property for the Autumn season:

Unlocking energy efficiency: Enhance your home with a lifetime mortgage

Equity Release, Homeowners |

In a world where energy bills are rising faster than ever, finding ways to make your home more energy-efficient has become a priority for homeowners. The good news is that a lifetime mortgage can provide a unique opportunity to not only enhance your property's energy efficiency but also improve your overall quality of life.

Are there different types of life cover?

Protection, Homeowners |

When it comes to securing your family's financial future, life cover is an essential consideration. Life cover, often referred to as life insurance, provides a safety net that ensures your loved ones are financially protected in the event of your passing. There are several types of life cover to choose from, each designed to cater to different needs and circumstances.

Mortgage product transfer vs. remortgage

Remortgages, Mortgage tips, Homeowners |

When it comes to managing your mortgage, there often comes a point where you need to make a decision that could significantly impact your financial future. Two common options that homeowners consider are mortgage product transfers and remortgages. While both choices offer unique advantages, the importance of seeking advice from a professional mortgage adviser cannot be overstated.

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

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THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.