Pensions

What are the mortgage options for borrowers in later life?

With some people facing the prospect of borrowing into their retirement, a banking expert explains some of the options available.

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'This is such a special place': Music and TV stars back Save Salford Lads Club campaign

Music and TV stars are backing the campaign to save Salford Lads Club from the threat of looming closure

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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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Women ‘less likely than men to be using tax-efficient ways to save’

Research indicates women are more likely to be holding long-term savings outside tax-efficient Isas and pensions.

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Squirrels board train and 'refuse to leave' forcing cancellation

Two squirrels who boarded a rush hour train to Gatwick forced operators to cancel the service.

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Should we pay off our mortgage or save into a pension? DAVID HOLLINGWORTH replies

General | Mortgages | Pensions | Investments | Financial Advice

Our property is our pension and we don't have many other assets. Should we use our £20,000 lump sum to pay off the mortgage quicker, or set ourselves up with private pensions?

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Warning as more than three-quarters of people ‘dipping into pensions before retirement’

Of those taking money out early, more than half withdrew funds five years before their selected retirement age

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I finally decided to get my finances in order in my 50s: I never looked at my pension or mortgage, here's how three experts erased my panic

I'm neither terrible nor terribly good with money and have spent most of my adult life ticking along and getting by. The truth is, I'm not particularly well-versed when it comes to financial affairs.

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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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'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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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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Book returned to library almost 100 years late

General | Home Insurance | Life Insurance | Pensions | Financial Advice

A book has been returned to a US library almost 100 years late.

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The passport rules Brits NEED to know before travelling this summer (including new EU requirements)

General | Travel Insurance | Life Insurance | Pensions | Financial Advice

If you're planning a holiday overseas this summer, make sure you don't get caught out by finicky passport rules that could leave your getaway in jeopardy.

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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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