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A glance at the news over the last 12 months or so would suggest that mortgage rates are a very hot topic indeed.

For the last 14 years, mortgage rates - the interest rate charged on the money borrowed to purchase a property - have tended to be low, because interest rates, in general, have remained low.

But Liz Truss’s mini budget in September 2022 had a significant impact on mortgage rates; many mortgage products were withdrawn in the aftermath of the fiscal event, and interest rates rose very sharply which made monthly mortgage payment...

With gifts and loans from the Bank of Mum and Dad totalling a whopping £9.4bn in 2023, it would be one of the UK’s biggest if it was a real bank or lender. Given the clear affordability challenges still facing house buyers – particularly first timers – that figure only looks to set to increase.

Whether it’s the Bank of Mum and Dad, Nan and Grandad or the Bank of Family, first-time buyers (FTBs) up and down the country continue to call on their loved ones for that extra support. While the most obvious method is by helping to fund deposi...

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, including pension contributions, even if you're unable ...

2025/26 Tax Planning is Underway

Every year brings new possibilities, and as we approach the start of the 2025/26 tax year, it's the perfect time to maximise your financial options and opportunities. Whether you're an investor or a saver, there are many tax benefits to take advantage of, and our team of experts is on hand to provide you with the information you need to make the best decisions for your finances.

What should my priorities be?

In 2025/2026, you can contribute a maximum of £20,000 across all your ISAs. This allowance applie...

Chancellor of the Exchequer Rachel Reeves outlined planned reforms to the welfare system, boosts to investments in economic growth and heightened focus on closing the tax gap.

Amidst growing uncertainty over the conflict in Ukraine and the impacts for European security alongside rising instability caused by Donald Trump’s tariff war, the Spring Statement 2025 built on the government’s announcements last autumn with a renewed commitment to financial stability.

In laying out the Spring Statement, Rachel Reeves said: ‘the global economy has b...

The 5 April tax deadline is fast approaching. We want to ensure you're making the most of your 2024/25 tax allowances to achieve your financial goals.

Our team of experts is here to provide:

• Tax Planning: Minimise your tax liability and maximise your financial opportunities.
• Year-Round Support: Assistance with all your tax-related queries.
• Timely Updates: Stay informed about changes that could impact you.

Here to Help

Our dedicated team are here to provide the guidance and support you need to make sure that you are making ...

In the hustle and bustle of daily life, it's easy to overlook the importance of protecting our financial security both for now and in the future.

We work hard to build a comfortable life for ourselves and our loved ones, but what happens if the unexpected happens and we become too ill to work. How can we ensure that our security today and our financial legacy remains intact for the next generation?

One of the most effective ways to protect our wealth is by incorporating income protection and critical illness cover into our financial plan...