Decoding your finances – Why being on SVR is bad for your mortgage
Typically, people re-mortgage in order to take advantage of better rates when they reach the end of a fixed-rate mortgage term, which typically lasts between two and five years. If the fixed rate period ends without them putting a new plan in place they will usually be moved to a Standard Variable Rate (SVR), which […]
Why you should consider life insurance, even if you think you don’t need it.
There are several factors that determine the cost of life insurance, but generally, the younger and healthier you are when you buy a policy, the cheaper it will be unless there is some other lifestyle factor that means your policy will be more expensive. You may not be thinking about it in your 20s, but […]
Which insurance suits your situation?
Mortgage Protection Insurance, or Accident, Sickness & Unemployment (ASU) insurance are policies that cover specific payments. Whether you need one of these or more general life insurance depends on what you need the pay outs to cover. All types of insurance are optional, but you may want to consider the impact of your death, or […]
Buy to let the prospects for 2020
Now that we are in the final quarter of the year many of us start thinking about 2020 and beyond. The buy to let market will always be appealing to investors but is now the time to enter the market, expand your portfolio or should you be thinking about an exit strategy? If you are […]
Pre-existing medical conditions don’t always stop you getting life cover
Life expectancy has risen in the UK, and much of the developed world, to the mid-eighties. Couple that with advances in what medicine can achieve and previously life limiting conditions are now manageable, sometimes for many years. This means that life insurers have had to review their view on how they approach conditions that they […]
