Need a mortgage? Look no further, we’ve now got the answer

We are big believers in the benefits of specialising in certain areas of financial advice. For us that means pensions, especially SIPPs and final salary, working with people at, or around retirement, and, of course investments. We have never given mortgage advice and don’t plan to do so in the future. But we know that many of our clients, and indeed their children or grandchildren, will need high-quality, independent, mortgage advice to help them buy their first home or move to somewhere more suitable. Mortgage advice for our clients We are therefore delighted ...

‘Triple lock’ – how what who why when?

‘Triple lock’. Triple-lock. Triple lock. “Triple lock?”. It’s a term that most are uncertain of the exact phrasing, so it’s not surprising that many aren’t totally sure what it is. For some, it’s got something to do with the basic State Pension, and for others it’s the best way to secure your bike to a railing. The ‘triple lock’ policy (which is how it will be written for our sanity and yours) has been a recurring point of discussion in the run up to the General Election. Opinions are split amongst the ...

One in three savers doesn’t know how to fight inflation – are you one of them?

New research commissioned by Zurich suggests that just over a third of savers are unsure of how to protect their money against rising inflation. The survey was carried out by YouGov, and asked 4,000 UK adults what they thought the best way to beat inflation was. The results showed that the most popular methods to beat inflation were: Investing in property (27%) Cash ISAs (13%) Stocks & Shares ISAs (7%) Bank and building society accounts (6%) Investing in the stock market (4%) Pension savings (3%) Other (3%) 37% of people said that ...

Are you prepared for a rainy day?

Harold Wilson once said: “I’m an optimist, but an optimist that carries a raincoat.” Planning for a financial rainy day is important for a number of reasons. Unexpected costs, as the name suggests, don’t give you a great deal of warning, and have a nasty habit of arriving at the most inconvenient of times. It doesn’t just apply to money that needs to be paid out, it can also come in the form of an illness or injury that causes a loss of income. The Office for National Statistics (ONS) reported in ...