Many of us believe serious illness is something that happens later in life. Cancer, heart at tacks or strokes are often seen as problems for older generations, not people in their 20s, 30s or 40s. However, recent industry claims data tells a very different story. Nearly 45% of critical illness claims are now paid to people under the age of 50. While medical treatment continues to improve, recovery can come with a significant financial impact. Time away from work, reduced inco

The Chancellor has now delivered the Autumn Budget, and while many of the headline measures were widely anticipated, you might understandably be asking “What does all this mean for my mortgage?” Below is a breakdown of the key themes and what they could mean for your finances over the coming months. Day-to-Day Finances Freezing income tax and national insurance thresholds means that as your salary rises, more of your income is likely to be taxed at a higher rate. This can qui

The Autumn Budget is always a key moment for homeowners, investors and savers. This year’s announcement on 26th November is expected to be no different. The Chancellor will set out the government’s plans for tax, borrowing and spending for the year ahead. Last year, Rachel Reeves delivered her first budget, which included a record £40 billion in tax rises. At the time, she made clear there is no intention to repeat such measures in 2025, but with a fragile global economy, man

As we approach the end of 2025, many homeowners will see their fixed-rate mortgages come to an end. UK Finance’s Household Finance Review notes that although more deals are coming to the end of their term, many borrowers haven’t yet taken action to refinance. Some expect interest rate cuts and are holding off, while others simply feel confused about their options. If your deal is coming to an end, it’s important to understand what happens next and how to make the best choice

With Autumn around the corner, it’s the perfect time to take control of your finances. Your mortgage should be at the top of that list. Interest rates and market conditions are constantly shifting. Staying proactive could save you thousands over the life of your loan. Your Essential Mortgage Checklist Here’s a mortgage checklist to keep you on track: 1. Review Your Mortgage Rate If you’re on a variable mortgage, consider whether a fixed rate might be a better long-term option

The dream of owning a home just got a little easier for thousands of people across the UK. In July 2025, the government officially...

Background This is a sub division of the buy to let sector and has seen steady growth over the last few years as housing demographics have evolved. The demand for HMOs is increasing as more people are priced out of single-occupancy rental properties. This trend is more prominent in urban areas. What is an HMO? The difference compared to standard buy to let mortgages is how the house is rented out. A standard buy to let will normally have a single tenancy covering up to 4 peop

If you’ve been wondering whether to take the leap and buy a home, summer 2025 could be the perfect moment to do just that, especially if...

Getting onto the property ladder has never been easy, and for today’s first-time buyers, it often means committing to a mortgage that...

You’ve already made one of life’s biggest financial commitments, getting a mortgage. But have you considered how secure your mortgage,...

If your mortgage is coming up for renewal, you’re probably already aware that the days of low interest rates are behind us. Many...

If you’re a landlord with more than one property, you’ve probably noticed the landscape has changed. Stricter regulations, tighter...

Many landlords are enjoying a rare moment of strong returns, as rental yields climb to their highest level in 14 years. Against a...

A growing number of adults are feeling anxious about how they’ll afford care in later life. A recent report by LV= revealed that 67% are...

Every year, around 100,000 people in the UK suffer a stroke, making it one of the most serious and life-changing medical emergencies....

The Renters’ Rights Bill, anticipated to become law around May 2025 with full implementation expected by October 2025, is set to bring...

The following post is designed to provide insight and information for people who are interested in learning more about what Lifetime...

Let’s be honest, talking about what happens when we’re no longer here isn’t exactly an easy con versation. It’s uncomfortable, emotional,...

A lifetime mortgage is a popular way for homeowners, over 55, to unlock equity from their property while continuing to live in it....

Sustainable living isn’t just good for the planet, it’s good for your wallet too. Green finance options are designed to help homeowners...