Investments

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Financial Advice. We are Independent Financial Advisers and we offer fully independent, professional and unbiased advice on a wide range of financial products.

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I want to buy a home but have no idea where to start: What is the first step I need to take?

I want to buy a home but I'm a first-time buyer and have no idea where to start. What's the first step I need to take?

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Romance scam reports rose by a fifth in 2023, says Lloyds Bank

General | Protecting my family | Investments | Financial Advice

Men were more likely to report being scammed but women tended to report bigger losses, Lloyds Bank said.

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'I'm £400 out of pocket after waiting eight months for my deferred state pension'

Holding off state pension payments could mean getting much more when someone chooses to eventually retire.

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29% of women ‘say state pension will be their only income in retirement’

Women are also less likely to say they have checked their state pension age, according to Royal London.

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How can renters looking for a new home give themselves a head start right now?

As renters are being squeezed by strong competition and rising rents, We find out what they can do to help get ahead.

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Product Of The Month

Financial Advice. We are Independent Financial Advisers and we offer fully independent, professional and unbiased advice on a wide range of financial products.

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Study uncovers lack of knowledge of state pensions

The most common misconception among workers was about National Insurance contributions.

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Inside the car repairs crisis driving up car insurance prices

General | Motor Insurance | Pensions | Investments | Financial Advice

The average premium paid for comprehensive motor insurance was £478 in the first three months of this year, according to the Association of British Insurers trade body today.

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Nine out of ten middle-earners NOT paying enough into pension pots

Today's pensioners live far more comfortably than those still in work will when they reach retirement age, according to the Institute for Fiscal Studies, which sounded alarm bells over a looming pensions crisis.

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Happy birthday Active Insurance!

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5 ways you can give your pension a bit more love

Like relationships, it’s important to nurture your pension. By Vicky Shaw.

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‘Quicker and easier’ way to save for retirement as Britons unlock ‘financial boost’

Life Insurance | Protecting my family | Pensions | Investments | Financial Advice

Britons could obtain a well-earned helping hand when saving into a pension for retirement.

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Nation’s favourite Christmas food announced - it's not turkey, mince pies or mulled wine

The best Christmas foods have been voted for by members of the UK public and the results are in.

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How to check the planning rules when doing a home extension

Experts explain the planning red flags to look out for, and how home buyers can do their research before committing to a purchase.

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Nearly half of people ‘have not switched savings accounts in past five years’

Women are less likely to have switched their savings account than men, according to Hargreaves Lansdown.

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How to spot cost of living support scams this autumn – according to an expert

Fraudsters are expected to use upcoming cost-of-living payments as a new way to ‘hook’ victims. Vicky Shaw takes a look.

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A cautionary tale from one widow who wrongly assumed marriage would protect her financially

Alex Delaney become a widow at the age of 36 after she lost her husband Nic. When sorting out his affairs she found a private loan agreement for their flat. Alex ended up loosing her home

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Insurance customers could make savings by haggling and switching, says Which?

‘It’s still the case that the price quoted by your insurer is not necessarily the best you can get’

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What can households do to offset soaring energy costs?

Homeowners can take steps to cut back on energy use to lessen the impact of rocketing costs.

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Shocking cases of women wrongly refused a state pension at 66 exposed

Government failures have led to some women who worked all their lives being wrongly refused a state pension, and their protests not addressed.

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Herd of COWS invade Yorkshire beach and take best tanning spots, leaving sunseekers to sit on rocks

A herd of ill-tempered cows invaded Gadding Dam beach in West Yorkshire on Saturday August 13 and stole all the best tanning spots - even taking a dip in the sea.

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What should you do if your mortgage application is refused?

<p>The cost of living crisis has seen many lenders factoring in the impact of rising household bills and subsequently tightening their criteria, making it harder for prospective buyers to borrow as much as they could’ve previously.</p>

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A giant step for hamkind: Hamster survives daring trip into the stratosphere on a flying balloon

It's one giant step for hamkind.

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Any mortgage rule changes ‘must deliver good outcomes for customers’

UK Finance said it will be important to consider any changes to ensure they deliver good outcomes for customers throughout the life of the mortgage.

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Solo first-time buyers need to raise double deposit of 10 years ago

The figure was based on a single buyer on the median wage being able to borrow a maximum of 4.5 times their salary to buy the average first-time buyer home, at £223,117.

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World's largest Jaffa Cake weighing 80kg is created by Great British Bake Off winner

What do you get if you mix 160 eggs, 8kg of dark chocolate and 15kg of orange jelly? The world's largest-ever Jaffa Cake, of course.

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Product Of The Month

Financial Advice. We are Independent Financial Advisers and we offer fully independent, professional and unbiased advice on a wide range of financial products.

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5 home improvements that add value

Property is often a persons greatest asset and naturally they want to capitalise on that huge personal investment. Whether you're planning a massive home improvement overhaul or looking to spruce the place up on a budget, there are a few tricks of the trade...

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Less than half of women ‘feel financially independent’

General | Local Interest | Pensions | Investments | Financial Advice

Some 48% of women cited the high cost of living as the biggest barrier to improving their finances, Fidelity International said.

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Britain's most affordable places to buy a home revealed

The list, revealed by Zoopla, looks at average local house prices compared to the combined income of an average two-earner household in the same location.

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How much National Insurance will you pay this year?

General | Local Interest | Pensions | Investments | Financial Advice

Changes to National Insurance contribution may change how much you will have to pay this year

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NS&I glitch: 349k savers left waiting up to six months for interest

General | Pensions | Investments | Financial Advice

The problem has hit some 349,000 savers with funds worth just over £1.1bn in total, as well as 999 Premium Bond winners with prizes worth a combined £27,175.

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Bargain or bust? How to curb Black Friday spending

Don’t be caught out – many deals may not be as generous as they appear

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Amazon to stop accepting UK Visa credit cards from January

The online retail giant said it has made the decision due to ‘the high fees Visa charges for processing credit card transactions’.

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'Don't wait for a rate rise to move to new savings deal', say experts

The Bank of England has given its clearest warning yet that rates will have to rise soon to keep a lid on soaring inflation following a surge in energy prices.

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NS&I ditches plans to stop paying Premium Bonds winners by cheque

General | Local Interest | Pensions | Investments | Financial Advice

NS&I said it will no longer be moving all its customers to having Premium Bonds prizes paid directly to their bank accounts.

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How Covid killed your pension savings habits

And what to do about it

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New £50 note enters circulation: Here's how best to stop future inflation eroding its value

General | Local Interest | Pensions | Investments | Financial Advice

Savers and cash hoarders are being warned to consider the eroding impact of inflation as the Bank of England's new £50 note entered circulation today.

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Stop treating scammers' victims as second-class citizens, say experts

Money Saving Expert founder Martin Lewis warns that those who fall prey to scammers are seen as 'lesser victims' because people wrongly assume they have the money to spare.

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Is your Santander branch closing? Lender closing 111 UK banks

General | Local Interest | Mortgages | Investments | Financial Advice

The Spanish-owned lender said the 'majority' of branches being axed were under three miles from another Santander branch, with the furthest being five miles away.

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Will you face a tax bill worth more than you earn next year?

General | Local Interest | Pensions | Investments | Financial Advice

Self-employed workers are trapped in a complex system of prepay tax

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What could negative interest rates mean for your finances?

General | Local Interest | Investments | Financial Advice

From savings to mortgages, pensions to insurance, the latest rumblings from the Bank of England could change the way you manage your money

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Top tips to save money when moving home

General | Mortgages | Investments | Financial Advice

It's no secret that selling your house and moving home can come at a cost — and there are a lot of little fees that can take you by surprise.

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Misery for first-time buyers as mortgage firms demand a FIFTH of price of new home for deposit

General | Landlords | Mortgages | Investments | Financial Advice

In the past week, not one high street bank has offered mortgages for those with a 10 per cent deposit and brokers have warned deals for those with a 15 per cent deposit are also disappearing.

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UK house prices hit new record high after 'surprising' post-lockdown spike

Average cost of home jumps 1.6 per cent to £241,604 in July as housing market picks up pace

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Financial Advice

We are currently receiving a lot of calls from existing clients as well as new enquiries in relation to Financial Advice in respect of Family Protection such as Life Insurance and Critical Illness Cover, Investments and Pensions. In some cases its just to review the present situation on others its to see if they can save money.

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Financial Advice

We are currently receiving a lot of calls from existing clients as well as new enquiries in relation to Financial Advice in respect of Family Protection such as Life Insurance and Critical Illness Cover, Investments and Pensions. In some cases its just to review the present situation on others its to see if they can save money.

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The seven coronavirus scams to look out for

In testing financial times it's easy to be enticed by fraudsters. Here's what to look out for...

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Victoria Wood's best jokes

The Prestwich comic would have turned 66 this week

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How to stop coronavirus killing off your pension

Experts warn there's now a 'double digits hole' in millions of savers' pension plans

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When can you access pension cash rise from 55 to 57?

Anyone aged 47 or under must plan ahead if they want to retire earlier than 57, or will need cash for other purposes like paying off mortgages, home renovations or university fees for their children.

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Funeral bills soar amid ongoing investigations into death monopoly

Life Insurance | Protecting my family | Investments | Financial Advice

Families struggle to cover bills as seasonal death rate hits peak

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How do I find out how much pension I have saved?

General | Pensions | Investments | Financial Advice

Some 54% said they were unaware of the current size of their pots, and a further 8% couldn't answer, while 38% said they did know.

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Product of the Month

Putting a number on the value of advice. With the start of every new year we often think of change, one of the most important is our finances.

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10 easy ways to add house value in a slow market

The only real way to add value to your home is to make it more attractive ready for the traditional spring buying season. Experts say 10 key changes should make quick-fire returns.

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What you need to know about pensions in 2020: Brexit, social care and tax

General | Local Interest | Protecting my family | Investments | Financial Advice

The newly re-elected Government now has a majority that gives it the opportunity to solve major issues affecting retirement finances. Here's what you need to know.

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Product Of The Month

Financial Advice. We are Independent Financial Advisers and we offer fully independent, professional and unbiased advice on a wide range of financial products.

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Why is my state pension being cut by £70 a week from April 2020?

General | Local Interest | Pensions | Investments | Financial Advice

I am a 75 year old expat living in Spain. I had a letter from HMRC to say from April 2020 a new law comes into place, reducing my state pension. This is Money's agony uncle, Steve Webb, replies.

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The true cost of going cashless

General | Local Interest | Investments | Financial Advice

Protecting the past or the vulnerable – why should we resist the shift to a cashless society?

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PPI deadline: How to check if you qualify for compensation (one last time)

General | Local Interest | Mortgages | Investments

It's the final PPI countdown. This really is your last chance to check you don't qualify for money back. No, really

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State pension data blunder sees 360,000 people given wrong forecasts

General | Local Interest | Pensions | Investments | Financial Advice

Projections wrong by up to £1,500 as government admits to 'significant problem' with online tool

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Things to do in Manchester over the May bank holiday weekend

Yet another three-day weekend is upon us

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Phil Spencer's ten tips to boost the value of your property

Phil Spencer, who hosts popular TV shows such as Location, Location, Location, reveals some of his simple value-adding tips, such as naming your house and hanging mirrors.

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Eight questions every first-time buyer must ask when buying a flat

There are some key aspects of buying a flat that need to be addressed if you're going to avoid some of the common pitfalls of moving into your first home.

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How much you should already have saved for retirement – you're probably about 60 per cent short

General | Local Interest | Pensions | Investments | Financial Advice

Generation X needs to have already saved £187,400 by today to retire on £19,000 a year

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More than a quarter of savings accounts fail to beat 0.75% Bank of England base rate

General | Pensions | Investments | Financial Advice

Lenders take six months to pass on August's rate rise to consumers, research finds

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Most and least affordable cities to by a home in Britain revealed

While there are some cities in the UK where a home will cost more than 12 times the average salary in the location, in others it would only cost just under 4.5 times wages there.

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Product of the Month

Life insurance is one of the pillars of personal finance, deserving of consideration by every household. I’d even go so far as to say it’s vital for most. Yet, despite its nearly universal applicability, there remains a great deal of confusion, and even skepticism, regarding life insurance.

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Why overpaying your mortgage is a better bet than savings: Rates set to stay super low in 2019

If you make one New Year's resolution let it be overpaying your mortgage. This simple step could save you thousands of pounds in interest and help you clear your debt years earlier than planned.

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Five money management rules to live by

General | Protecting my family | Pensions | Investments | Financial Advice

Make life simple, do these things and your everyday money should look after itself. Mostly

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What the interest rate rise means for homeowners and savers

General | Investments | Financial Advice

Today, after nearly a decade of interest rates being 0.5% or lower, they were raised to 0.75%. It could mean better rates for savers, but is likely to add to the cost of millions of homeowners.

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And the winners of the Draw to Win £100 of M & S Vouchers

We would like to thank everyone that entered our prize draw. We now have the pleasure in revealing who won.

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Five Reasons why pensions work for the self-employed

Protecting my family | Pensions | Investments | Financial Advice

The picture-perfect view of being self-employed is understandably attractive: the notion of being your own boss and doing what you love under your own steam.

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Free Prize Draw to Win £100 of M & S Vouchers

We would like to keep your informed on information that is important and relevant to you however to do this we would like to you to update your preferences.

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Free Prize Draw to Win £100 of M & S Vouchers

We would like to keep your informed on information that is important and relevant to you however to do this we would like to you to update your preferences.

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Free Prize Draw to Win £100 of M & S Vouchers

We would like to keep your informed on information that is important and relevant to you however to do this we would like to you to update your preferences.

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Does you child have up to £1,000 in the bank without you knowing about it? - How to find out

If a child was born between 2002 - 2011 they could have up to £1000 just waiting in a bank account

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Why a cash Isa is still worth saving into

If you pay into a cash Isa this year you will lose money, as rates are below inflation. But if you are going to save, a cash Isa is still worth having.

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Free Prize Draw to Win £100 of M & S Vouchers

We would like to keep your informed on information that is important and relevant to you however to do this we would like to you to update your preferences.

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When is Easter 2018, Good Friday and Easter Monday?

The Easter weekend celebrations bring a four-day break, but it can be confusing to know when the holiday falls.

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Amazon cleared after Alexa ad 'triggers cat food order'

An Echo Dot owner said an Amazon advert that triggered their device to order cat food was "socially irresponsible".

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Police Officer accused of taking the biscuits.

The constable faces a tribunal after allegedly taking a colleague's biscuit tin from a cupboard and showing a "lack of integrity".

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Google's self-driving car pulled over by cops for driving too slow

Police in Mountain View, Silicon Valley explained that an officer noticed traffic backing up behind a self-driving car going 24mph (39km/h) on a street with a 35mph (56km/h) speed limit.

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Motoring myths: what ‘black boxes’ reveal about our driving habits

Are 17-year-olds really the worst drivers? ‘Telematics’ boxes installed to cut insurance costs can show us how we drive

Billions of miles have been driven on Britain’s roads this decade in cars fitted with “telematics” boxes recording every detail of a driver’s behaviour – whether they are speeding on a 30mph urban road, how they are cornering on a country road, and how they are braking or accelerating on a motorway.

Installed in about 1m cars by insurance companies, they offer drivers – usually 17 to 25-year-olds – less costly insurance if they drive more carefully. But the telematics black boxes also reveal a wealth of data about how Britain drives - debunking a lot of modern myths, but confirming many others.

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Summary of Budget 2017: Key points at-a-glance

An at-a-glance summary of the key points of Philip Hammond's Autumn 2017 Budget.

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Insurers fear tax rise in 'raid on the responsible'

Association of British Insurers says chancellor should resist further increases to insurance premium tax, which has doubled since 2015

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Aviva comments on record number of self-employed workers missing out on pensions

UK: Aviva comments on record number of self-employed workers missing out on pensions

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Don't dig deep for a pre-paid funeral plan

General | Life Insurance | Protecting my family | Investments | Financial Advice

About 1.3 million people in the UK have purchased a funeral plan, but experts warn they could become a national scandal

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25% of UK adults are relying on discounts to make retirement more affordable

General | Mortgages | Pensions | Investments | Financial Advice

25% of UK adults are relying on discounts to make retirement more affordable, but many over estimate what they will get

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Advised clients are better off

A report into the value of financial advice has found that those seeking help from an IFA were better off by an average of around £40,000 compared to their unadvised peers

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