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Summary Impact The 26th November Budget delivered several key announcements that will affect Financial Planning. Most notably: The tax changes announced once again reinforce the importance and value of informed andup to date financial advice. If you would like to review and discuss how these changes might affect you and your financial plans, please do […]
Read MoreIn July 2023 I posted a blog analysing the financial situation at that time, as I saw it, and making some recommendations concerning actions which could be taken by borrowers who were enjoying a very low mortgage interest rate but were faced with the prospect of the rate increasing quite significantly at the end of […]
Read MoreOur summary of the main points Rachel Reeves presented the Autumn Budget on 30 October 2024, and we’ve sifted through the measures to pick out these key messages: Here’s our summary of the wider points from the budget. Pensions Lump sum allowance Despite speculation that the lump sum allowance – and therefore the amount that […]
Read MoreThis blog considers some less well known facts about lifetime mortgages. I also give some examples of how lifetime mortgage plan features can be put to practical use.
Read MoreThis blog concerns County Court Judgments (CCJs) and explains what they are, how they might affect your ability to obtain credit (particularly mortgages) and what actions you can take to mitigate the impact of CCJs on your credit bureau record. What is a CCJ? A CCJ is a court order registered against you if you […]
Read MoreThe key, we are told, to learning to ride a bike is to stare into the distance and not down at the wobbly wheel in front of us. However, this is a hard thing to do on those early, frightening journeys. Today, if we stare down at the markets right in front of us, we […]
Read MoreEarlier today I read the blogs which I posted in February and March this year and realised the significant changes which have taken place in the intervening four months. Here is an update of developments since that time and one or two tips for those with mortgages who are facing significantly increased monthly payments, especially […]
Read MoreA ‘back to work’ budget was the theme presented by the Chancellor with measures aimed to encourage the 8 million or so economically inactive back into work. Things aren’t as bleak as forecast last November mainly due to falling energy prices and higher tax revenues. This will reduce Government borrowing this year and next by […]
Read MoreThis blog follows the one which I posted on the 1 February 2023 concerning those customers with mortgage deals which will end in 2023. Most have fixed rate arrangements in place and the new rate will inevitably be higher than they have been used to. Firstly a rate update. Bank of England base rate(BBR) is […]
Read MoreAbout 1,800,000 borrowers have fixed rate mortgage deals which will end in 2023. The bad news is that rises in Bank of England base rate will inevitably mean that any new mortgage deal secured will be at a higher rate than borrowers have been used to. Bank of England base rate is currently 3.5% and […]
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