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...

Every six weeks or so, all eyes are on the Bank of England and its Monetary Policy Committee (MPC) – the group that decides whether interest rates will be increased, held or cut. How they choose to act has an impact on how much it costs banks to borrow money and what rates they can offer to savers and borrowers.

With all this in mind, what does an interest rate cut actually mean for mortgage holders and for those weighing up their options as they come to buy or move?

Will my mortgage now be cheaper?

For those borrowers that currently...

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It’s time for a fresh look at your finances – where should you start in 2025?

The start of a new year presents a great opportunity to set out your goals and aspirations for the coming 12 months. For others, it can also mean new beginnings, new challenges or simply a fresh start. 

No matter your mindset for 2025, now is a great time to review your financial goals and plans for the year ahead. Whether it’s finally getting onto the property ladder, safeguarding your family’s health and financial wellbeing, or thinking about plans for retireme...

Being a first-time buyer can be daunting. Not only are you about to make one of the biggest financial decisions in your life, but you’ll probably also have family members and friends offering their ideas on the right house, mortgage, lender conveyancer and even removal company for you.

We’ve put together some ideas to try and take away some of the stress and confusion and give you confidence to move through the home buying process as smoothly as possible.

Get the right advice

Of course, we’re going to say that - it’s what we do! We’ll rev...

Planning for the future involves more than setting money aside with financial investments and savings; it requires consistency and commitment. Yet, life's unexpected events, like illness or injury, can disrupt your investment journey. These curveballs might make it challenging to maintain your planned investment contributions.

That's why it's essential to consider how you can protect your investment contributions, ensuring they remain steady and uninterrupted if the unexpected were to happen.

Income protection is essential for your inves...

In the hustle and bustle of daily life, it's easy to overlook the importance of protecting our financial security both for now and in the future.

We work hard to build a comfortable life for ourselves and our loved ones, but what happens if the unexpected happens and we become too ill to work. How can we ensure that our security today and our financial legacy remains intact for the next generation?

One of the most effective ways to protect our wealth is by incorporating income protection and critical illness cover into our financial plan...

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 unabl...

How important is your credit history for mortgage lenders?

The cost-of-living crisis and inflationary pressures has put pressure on people’s finances and made it harder for people to get on the housing ladder due to affordability constraints and more people having a less than perfect credit history.

How important is your credit history for mortgage lenders?

Looking into your credit history is one of the ways in which a mortgage lender will gain information on how reliable you have been at paying back debts and loans in the past. A mor...