Blog

  • I have money in property, what should I do post-Brexit?

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    Many predicted before the EU referendum that a vote to leave would have a negative effect on the property market. Now that Brexit is set to become a reality, that has transferred into worry amongst many with a stake in property, which in turn could make the predicted negativity become a self-fulfilling prophecy. But is Brexit really a cause for con...
  • The value of mortgage advice

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    Mortgage advice might not be for everyone, but for those clients who seek it out it can be an invaluable service in helping them to strike a better deal than they could have achieved on their own. The role of a mortgage adviser is to work with a buyer in order to find them the best option for their circumstances. The main way in which a mortgage ad...
  • Retiring in England? Here are the top destinations

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    Whilst the impact of Brexit is yet to be known, one thing that may become trickier is relocating to the continent after Britain leaves the EU. It’s a change that will affect those at the end of their working life as well as those near the start, as in the past many have chosen to live outside the UK for their retirement years. Thankfully, whether y...
  • Negative interest rates and how they might affect your finances

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    With the Bank of England cutting UK interest rates this month for the first time since 2009 to just 0.25%, it looks more likely than ever that Britain could experience negative interest rates. The idea of negative interest rates has moved from theory to reality following the 2008 financial crisis, with several central banks in Europe introducing ra...
  • Travel insurance: what to look for in a good policy

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    The summer months mean we’re at the peak of the holiday season, with countless families, couples and individuals jetting off for a break during July and August. Going on holiday without insurance can be a gamble, particularly if you are travelling overseas, leading to many jet-setters now seeing it as an essential purchase before they go away. Howe...
  • ‘Alternative investments’: from children’s books to memorabilia

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    If you’ve got some spare cash left over from more traditional, structured investments, then you could follow in the footsteps of the growing number of people investing in collectibles. As well as providing something physical to enjoy and look after in a way that other investments can’t, many collectible items can increase in value as time goes on....
  • How will your spending habits change in retirement?

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    It will come as a surprise to nobody that retirement is one of the biggest lifestyle changes you’ll ever experience. But as your priorities shift and the free time available to you increases, what you might not be as aware of is the way in which your spending habits are likely to alter too. A recent study analysed the spending patterns of household...
  • The London bubble: capital pays a third of UK tax

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    The latest findings of Centre for Cities, a think tank focused upon understanding and improving UK city economies, suggest that London now pays almost a third of all UK taxes. The capital increased its share of “economy taxes” by five percentage points to 30% since the 2004-05 financial year, and now generates nearly as much as all the tax combined...
  • The next squeeze on your finances: term time holiday fines!

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    Recent research suggests that up to 90,000 parents received fines for taking their child out of school during term time for a holiday. In total, the fines are estimated to amount to a staggering £5.6 million, which is a 267% increase on the estimated £1.5 million worth of fines issued in the 2012-13 academic year. The rise seems to have stemmed fro...
  • Inheritance tax: the recent changes you need to know about as you plan

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    The changes to inheritance tax that were introduced in the 2015 Budget will soon come into effect, with some becoming the law as early as April 2017. With less than a year to prepare for these changes, it’s important to ensure you know what to expect and that you’re doing everything you need to in order to ensure you aren’t caught out. The biggest...