I’m Remortgaging: Should I Fix for Two or Five Years?
Deciding between a two-year and a five-year fixed-rate mortgage is a big choice when you’re remortgaging. With no crystal ball to predict the future, it’s tough to know which term will serve you best. Here’s a simple guide to help you make the right decision. Understanding Current Rates As you near the end of your […]
The Vital Role of Income Protection on Mental Health
3 minutes read time Mental health plays a larger part in our financial security than you might think. According to recent data, approximately 1 in 4 people will experience a mental health problem of some kind each year in England and an average of 12 billion workdays are lost due to mental health years per […]
How to Use a Mortgage Calculator
Navigating the complexities of mortgages can be daunting, especially when it comes to working out the monthly payments and how much you can afford, but using a mortgage calculator can significantly simplify the process. Whether you’re a first-time homebuyer or looking to refinance, understanding how to use a mortgage calculator effectively can help you make […]
What happens when your mortgage ends?
So you’re nearing the end of paying off your mortgage — congratulations! You might be starting to question what exactly comes next in this process, whether it’s simply a time of celebration or you have more options to consider. Here is a guide of everything you need to know when you pay off a mortgage. […]
Equity Release – How does it work and could it be the right option for you?
Equity release is an option that comes up a lot as you get older, but what is it and when do you know it might be the right time? In this blog, we’ll explore all that equity release entails and the right circumstances to consider it as an option. What is equity release? Equity release […]
Critical Illness Cover vs Income Protection – What you need to know
Regardless of occupation, living situation, or relationship status, we all need financial security. A safety net in place is essential to weather life’s unexpected storms and ensure that no matter what happens, you’re protected. In this blog post, we’ll explore two popular options for financial protection: critical illness cover and income protection insurance. By understanding […]
Self-employed? Here’s why you should have income protection.
The world of self-employment is desirable to many due to the unparalleled freedom and flexibility it brings to their careers, but with that independence comes unique challenges and responsibilities, especially when it comes to financial stability and security. One essential aspect of this that many overlook is income protection. So, let’s explore why income protection […]
Is your mortgage term ending in the next 6 months? Here’s why you should take action NOW.
If you’re a homeowner and your mortgage term is set to expire within the next six months, now is the time to act. While it may seem like there’s still plenty of time, waiting until the last minute can lead to missed opportunities and unnecessary stress. Here’s why you should take action now to ensure […]
Life Insurance: What is it & why do you need it when buying a house?
Life insurance is a topic that often comes up when discussing major life events, such as buying a house. While many people understand the basic concept of life insurance, its importance in the context of homeownership may not be immediately apparent. In this blog post, we’ll delve into what life insurance is, why it’s essential […]
10 ways to quickly improve your credit score.
Your credit score is more than just a number; it’s a key that can unlock doors to financial opportunities. One of the main factors that can impact your mortgage application is a poor credit rating, as lenders will perceive you as financially unreliable. Your credit score is impacted by a lot of long-term factors but […]