Planning a wealthy retirement
Secure your future with smart financial choices Whether you’re employed, a partner, or self-employed, you can contribute to a pension. Employers are legally required to provide workers with access to a pension scheme, while anyone self-employed or unemployed, who cannot invest in an occupational plan, can pay into a personal pension, such as a SIPP […]
Taxing times for landlords
Explore what landlords need to know to stay informed and profitable Tax planning might not be the most exciting part of property investment, but for landlords, it is one of the most essential. With tighter margins, rising costs, and regulatory changes shaping the market, landlords can no longer afford to ignore how taxation impacts their […]
Preparing for retirement: What you need to know
How to navigate your transition to life after work The age at which you decide it’s time to take life easy is a very personal choice. When your retirement day arrives, you can toss away your alarm clock, bid farewell to your commute, and discard those restrictive business suits.
Love nest over love fest
Why couples are trading weddings for dream homes As marriage rates decline, homeownership becomes the top relationship goal for many British couples. For many, marriage is no longer the ultimate aim in relationships. Instead, the desire to own a home has risen to the forefront of their financial priorities.
Are annuities included in your retirement income plans?
Ensuring financial stability in your golden years An annuity converts pension savings into a regular income, providing financial stability in retirement. Annuities deliver guaranteed income, ensuring that retirees do not outlive their savings. Unlike drawdown pensions, which depend on market performance, annuities offer peace of mind through predictable payments.
Shared ownership: what to watch out for
Unpacking the pros, pitfalls and legal considerations before you buy a share in a home Shared ownership has made homeownership accessible to thousands who might otherwise struggle to afford it. With lower deposit requirements and easier monthly payments, it is an ideal way to climb onto the property ladder, especially in high-cost areas where traditional […]
Thinking of retiring overseas?
Understanding the impact of a frozen state pension on your retirement income Retiring abroad may appear to be a dream come true, but for some British pensioners, it could carry a hidden financial cost. If you move to certain countries outside the UK after retirement, your state pension could be “frozen.” This means you will […]
Weighing your options to sell in 2025
With fluctuating house prices and mortgage costs, when is the right time to move or wait? Deciding to sell your home isn’t always easy. Sometimes the reason is apparent: you’ve outgrown the space, need to move for work, or want to be closer to family. However, in 2025, the decision involves more factors than ever.
Who will inherit your pension? Find out now!
Understanding the importance of nominating a beneficiary A new study reveals a startling insight. As many as one in six (15%) individuals with a partner are unclear about who will receive their pension savings if they pass away before accessing them[1]. Even more concerning, this figure rises to nearly one in five (18%) among the […]
Can you still get a mortgage after changing jobs?
How lenders evaluate new employment and how to enhance your application Job changes occur for many reasons, whether it’s a promotion, switching to a better employer, or a complete career switch. But what if that move aligns with your plans to buy a house? You might be just a few weeks into a new role […]