Buying a house can certainly be a daunting experience, especially when it’s your first time doing so. What doesn’t help is the wealth of jargon and terminology used during the mortgage process and throughout the entire journey to buy your new home.

If you’re looking to join the property ladder and want to gain the inside scoop on some of the phrases, terminology and jargon you will expect to see, here is a handy guide.

Agreement in Principle (AIP)

Also known as a Decision in Principle (DIP), this is a statement from a lender to say they...

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When it comes to planning for retirement, making sure your pension contributions are on-track is important. But life can throw curveballs like illness or injury which could make it tough to keep up with contributions.

Why Income Protection matters
Income protection insurance is designed to pay a proportion of your income, approximately 60-70%, if you are unable to work due to illness or injury. This financial safety net ensures that you can continue to meet your financial obligations, including pension contributions, even if you're unable...

2025/26 Tax Planning is Underway

Every year brings new possibilities, and as we approach the start of the 2025/26 tax year, it's the perfect time to maximise your financial options and opportunities. Whether you're an investor or a saver, there are many tax benefits to take advantage of, and our team of experts is on hand to provide you with the information you need to make the best decisions for your finances.

What should my priorities be?

In 2025/2026, you can contribute a maximum of £20,000 across all your ISAs. This allowance applie...

Planning for retirement might seem daunting, but it doesn't have to be. To help you navigate this important process, we've outlined a simple 5-step guide. This guide will walk you through everything from understanding how much you'll need to assessing your income options and ultimately drawing up a comprehensive plan for your future.

Step 1: Don’t Put It Off

Retirement can often seem a long way off, but the choices you make while you’re still working can have an enormous impact on the kind of life you enjoy when you stop.

Our trusted and ...

 ISAs offer flexible, tax efficient savings and are a good way to make your money work harder for you.

Everything earned from your ISA is free from Income and Capital Gains Tax – in other words, you won’t pay tax on interest, withdrawals or growth. You can invest a total of £20,000 into one ISA or multiple ISAs in the 2024/2025 tax year. ISAs are also an easy and straightforward way to invest into stocks and shares.

If you don’t use your annual allowance, you’ll lose it.  Take a look at our handy guide by clicking on the image below

Life after your Fixed Rate mortgage.

Why plan ahead of your fixed rate ending?

The earlier you plan your remortgage, the more mortgage options you have! And in the current economic climate, it really does pay to know your options. An expert adviser can find the deal for you.

If you’re due to remortgage in the next year or so, take a look at our handy list of does and don’ts that will help you plan ahead with confidence.

• DO give yourself time to weigh up your options. Leaving anything to the last minute can be incredibly stressful – e...

ISAs offer flexible, tax efficient savings and are a good way to make your money work harder for you. Everything earned from your ISA is free from Income and Capital Gains Tax – in other words, you won’t pay tax on interest, withdrawals or growth. You can invest a total of £20,000 into one ISA or multiple ISAs in the 2024/2025 tax year. ISAs are also an easy and straightforward way to invest into stocks and shares. If you don’t use your annual allowance, you’ll lose it

Take a look at this guide which could help you make the most of you...