🏡 The UK Housing Market Is Evolving—Here’s What Families Need to Know

From smarter energy use to shifting property types, the UK’s housing stock is undergoing a [Read More]

Rental Affordability in the UK

UK Housing Market Cools in July: RICS Report Reveals Challenges and Opportunities

UK Housing Market Cools in July: RICS Report Reveals Challenges and Opportunities After a period [Read More]

Decoding the UK Economy: What the Latest GDP Figures Mean for Your Mortgage

Decoding the UK Economy: What the Latest GDP Figures Mean for Your Mortgage Published: August [Read More]

Critical Illness Cover: A Stroke can Change Everything

Every year, around 100,000 people in the UK suffer a stroke, making it one of [Read More]

Buy-to-Let: Rental Yield Opportunity

Many landlords are enjoying a rare moment of strong returns, as rental yield climbs to [Read More]

Falling Rates & Rising Wages Boost Affordability

Mortgage owners across the UK are finally seeing a brighter financial outlook as the tide [Read More]

The Impact of Tariffs on Your Mortgage

Global economic shifts might not be top of mind if you already have a mortgage. [Read More]

Enhanced Critical Illness Benefits for Younger Ages

While serious illnesses are often associated with older age, it’s important to recognise that conditions [Read More]

Flexibility When Selling Your Home

If you’re thinking about selling, you’re probably wondering how long it will take for your [Read More]

Getting Comfortable with Uncomfortable Conversations

Let’s be honest, talking about what happens when we’re no longer here isn’t exactly an [Read More]

Stick or Twist: The End of Your BTL Fixed Rate Mortgage

If you’re a buy-to-let (BTL) landlord, you may be wondering whether to remortgage or opt [Read More]

Staying on Track for Your Next Move

You deserve the home you want, but with the recent Stamp Duty changes, moving to [Read More]

Understanding the importance of CIC for Young Adults

In today’s unpredictable world, financial protection is increasingly important, especially for young adults. While many [Read More]

Saving for your house deposit: Tips in 2024

In today’s competitive housing market, saving for a mortgage deposit can feel like a daunting [Read More]

Falling mortgage rates

There’s promising news on the horizon, with mortgage rates continuing to fall. If this development [Read More]

A protection guide for unmarried couples

As we navigate life’s experiences, securing our financial well-being becomes paramount, especially for unmarried couples. [Read More]

Navigating the mortgage market in 2024

As the mortgage market continues to evolve, staying informed is key to securing the best [Read More]

Renter’s Reform Bill: how would it impact me?

The Private Rented Sector (PRS) is a vital part of the housing market, making up [Read More]

New year, new me: what’s your priority?

The New Year is traditionally a time for reflection and the beginning of positive change. [Read More]

Generation rent: what to expect in 2024

There is an obvious need for more affordable housing in order to assist young adults, [Read More]

Housing Benefit: How can it help me?

As the cost of living continues to remain high, a record rise in rent has [Read More]

How to save money this winter

Following the new energy price cap setting, the amount suppliers can charge customers this winter [Read More]

EPC changes: what it means for landlords

The Government recently announced changes to Energy Performance Certificate (EPC) regulations. The decision to remove [Read More]

Income Protection: am I covered for stress?

Mental Health is consistently one of the most common reasons for Income Protection (IP) claims, [Read More]

High inflation: how does it affect me?

As inflation remains high, it’s the perfect time to take a closer look at how [Read More]

The struggles of insurance for young people

A significant percentage of the population between the ages of 18 and 34 face an [Read More]

Mortgage arrears: what can you do?

Being a homeowner can be challenging and falling behind on mortgage repayments could put you [Read More]

Fixed rate mortgage term ending?

As your fixed rate mortgage term approaches its end, it’s essential to carefully consider your [Read More]

Skip the GP queue: added value benefits.

With unprecedented waiting times and difficulty accessing services, many people would welcome an alternative way [Read More]

How to grow your buy-to-let portfolio

Investing in buy-to-let properties can be a rewarding venture, providing a consistent income stream and [Read More]

What does the mortgage charter mean for you?

The Mortgage Charter is a new set of rules that helps people when they’re trying [Read More]

Home improvements: Garage, loft and cellar conversions

Garage, loft, and cellar conversions are popular home improvement projects that can significantly enhance a [Read More]

Smoking: Why you need Critical Illness Cover

Throughout the years there have been multiple facts and figures published, highlighting the impact of [Read More]

Could falling fixed rates help prospective buyers?

In July, both two and five-year fixed-rate deals dropped by 0.02% for the first time [Read More]

IVA: The serious impact on your credit file

While an IVA can provide much-needed debt relief and help avoid bankruptcy, it can have [Read More]

Support during the menopause

The menopause is a significant transition in a woman’s life, with many women feeling stranded [Read More]

How can I go green for less?

Everyone is doing their bit to tackle climate change, but these changes can come at [Read More]

Gardening: Does it influence property value?

When it comes to maximising the value of your property, gardening may not be the [Read More]

Holiday Insurance: Why not have it for life?

When it comes to considering holiday and life insurance, there are distinct differences in their [Read More]

100% Mortgages: How can they help me?

A 100% mortgage, also known as a zero-deposit mortgage, is a loan that allows first-time [Read More]

First time landlords: The next generation

Around 140,000 landlords retired in 2022, predominantly these were older investors, who were part of [Read More]

Life Cover: Always plan for the future

Life is unpredictable, but preparing for the unexpected can provide peace of mind and financial [Read More]

Property Chain: Reducing the impact

Buying and selling property can be a complex and stressful process. One of the most [Read More]

House prices fall: Is it the right time to buy?

Knowing when to buy a house can be challenging, especially during a cost-of-living crisis. Although [Read More]

Is it too expensive to stay healthy?

New research highlights an ‘alarming link’ between the rising costs of living and declining health [Read More]

Base rate rise: How does it affect my mortgage?

In March 2023, the Bank of England announced an increase to its base rate by [Read More]

Equity release: Lifetime mortgages

Equity release has become increasingly popular in recent years. It allows homeowners, aged 55 and [Read More]

How to get on the property ladder in 2023

Buying a property is a big decision, especially for first-time buyers. While it can be [Read More]

Income: Your most valuable asset

Income is undoubtedly your most valuable asset, and protecting it is crucial for both present [Read More]

Reviewing your Mortgage Product & Refinancing Options

If you are looking at refinancing, remortgaging and product transfers are two popular options for [Read More]

How to get ready to sell in 2023

Getting your house ready to sell requires preparation and effort, but it can significantly increase [Read More]

Protect your loved ones this Valentine’s Day

Valentine’s day is a special day to celebrate love and affection between partners. It’s a [Read More]

Insurance Benefits: Helping Your New Year’s Resolutions

The protection industry can have a positive influence, providing clients with the tools to manage [Read More]

Self-Employed Mortgages in 2023

Securing a mortgage while self-employed can be an overwhelming task. Uncertainty over the cost-of-living crisis [Read More]

Buy-To-Let Mortgages in 2023

Demand for rental accommodation in the UK was up by 23% in 2022, as rents [Read More]

First time buyers – what to expect in 2023

After nine years, the Help to Buy scheme for first-time buyers is coming to an [Read More]

GI and Contents Insurance: get your gifts covered

The festive season is upon us. A time of family, togetherness and most importantly – [Read More]

Base rate: all you need to know

You have more than likely heard the term ‘base rate’ banded around in the news [Read More]

Green Mortgages: what you need to know

With the COP27 summit last month, the climate conversation is at the forefront of people’s [Read More]

Added benefits: Why you should care?

Many insurance providers want to offer you the most valuable service they can – and [Read More]

Fixed vs Variable interest rates

It’s safe to say that there is a fair amount of confusion currently surrounding the [Read More]

How you can save energy this winter

It’s no secret that this winter is shaping up to be a struggle for so [Read More]

Protecting your mental health

With World Mental Health Day having recently passed on October 10th, what better time could [Read More]

Help to Buy deadline draws near

The Government’s Help to Buy scheme is coming to a close and the deadline for [Read More]

Cuts to stamp duty as mini budget announced

In a move that some property experts are branding ‘well overdue’, Prime Minister Liz Truss [Read More]

What to do before you sell

So, you’re looking to move? Well, selling your home can seem like quite the task [Read More]

Making a claim: It’s easier than you think

Making a claim on your insurance policy is a long, laborious process with hidden hurdles [Read More]

Remortgages, Product Transfers and the cost-of-living crisis

We all know that the cost-of-living crisis has become a serious worry for millions of [Read More]

Shared ownership mortgages

The shared ownership sector has gained some real traction recently, with more lenders offering raised [Read More]

Help to Build Equity Loan scheme launched

After the recent government announcement of further help being offered to first-time buyers, we thought [Read More]

CIC for your kids: what you need to know

When it comes to our children, there’s nothing we wouldn’t do to protect them. No [Read More]

GI and DIY: How to stay protected

After a global pandemic forced us all to stay inside, many of us decided to [Read More]

Turn benefits to bricks

Between 1996 and 2016, the percentage of 25 to 34-year-olds who own their own homes [Read More]

Are heat pumps the answer to rising costs and the climate crisis?

Heat pumps can be an efficient way for you to heat your homes. With the [Read More]

Can you get protected if you’re over 70?

This month, the country celebrates Queen Elizabeth II’s 70th year on the throne. The Platinum [Read More]

Should you be in on the remortgage boom?

Recent analysis shows that remortgage applications have risen by more than a quarter between March [Read More]

Holiday lets: are they worth it?

If you’ve ever considered investing in a second property, you may have already thought about [Read More]

How to improve your mortgage affordability

Affordability tests are being revised in the wake of the cost-of-living crisis. With house prices [Read More]

Protection: Why you should be covered amid a cost-of-living crisis

Protection insurance is severely undervalued by thousands of people across the UK. Often seen as [Read More]

Smoking and Vaping: how can it impact your insurance?

New research conducted by Royal London has revealed that smokers can save up to £16,000 [Read More]

Base rate: all you need to know

You have more than likely heard the term ‘base rate’ in the news over the [Read More]

Spring statement: VAT cut for going green

The announcement of the spring statement brought the news that VAT on energy saving materials [Read More]

How essential is Income Protection?

It’s relatively common knowledge that the cost of living will be going up in April [Read More]

Average asking price for UK homes soar in February

The average asking price for homes in the UK rose sharply in February due to [Read More]

What will ‘levelling up’ mean for you?

At the beginning of February, the government released their ‘levelling up’ white paper. This document [Read More]

Key worker products – what’s out there?

It’s been nearly two years of key workers holding the country up on their shoulders [Read More]

Critical illness cover – what you need to know

Critical illness cover (or CIC) is a type of insurance that is often sold alongside [Read More]

Rising Inflation: How does it affect you?

Reports of rising inflation in the UK are flooding the news. With inflation hitting a [Read More]

New year, new protected you? Protection in 2022

2021 was another unprecedented year for the protection industry with climate change summits, wildfires, stuck [Read More]

How to move safely during the pandemic

As more uncertainty looms overhead with the Covid-19 pandemic seemingly worsening once again, the potential [Read More]

Base rate rise: How will you be affected?

The Bank of England recently announced an increase to its base rate from 0.1% to [Read More]

Zero-carbon homes: a look to the future

Hope Rises in Bristol is offering revolutionary social housing solutions for young people at risk [Read More]

AMI release latest protection industry report

Earlier this month, AMI released their latest report that opens up some really intriguing protection-based [Read More]

First home: is now the time to buy?

It is likely that interest and mortgage rates will increase, but there are still plenty [Read More]

Self-employed mortgages: what are the options?

The global pandemic has forced thousands of people up and down the country either permanently [Read More]

Mental health support: What do insurers offer?

Mental health struggles are all too familiar to a large percentage of UK residents. An [Read More]

First time buyers: what are the options?

2021 has seen some welcome good news in the first-time buyer market. Mortgage affordability for [Read More]

The buy-to-let market: where are we now?

After a whirlwind 18 months, it would seem some form of normality is on the [Read More]

Understanding General Insurance

With normality resuming and furlough coming to an end, many people are returning to their [Read More]

How to save energy at home

Now that summer is officially over and the cold winter months draw ever closer, there’s [Read More]

Are you mortgage ready?

So, you’re hoping to get yourself onto the property ladder and are on your way [Read More]

Our Top 10 Tips for Saving for a Deposit

Mortgages are more readily available than they have ever been, with many Government schemes available [Read More]

Child Protection: What are the options?

We take a look at what the industry has to offer when it comes to [Read More]

Working from home – how has it changed?

It would seem that we’ve made it through the worst of the pandemic with life [Read More]

Green Mortgage: the way forward?

The climate crisis is a real concern amongst most people in today’s world. More and [Read More]

Re-mortgaging and home offices:

Over 50% of British homeowners are looking to renovate in 2021. Home offices are skyrocketing [Read More]

The end of Furlough – how to stay covered

As Covid restrictions finally begin to ease in the UK, many who were forced out [Read More]

What are the chances?

What are the chances that you will need cover? You’re still young, you’ve never had [Read More]

Shared Ownership: what do you need to know?

There are many government schemes designed to make buying a home more accessible for people [Read More]

Gifted deposit: how do they work?

You’re looking to buy your first property. You’ve been renting for a few years now [Read More]

Critical illness cover vs income protection: do you need both?

Critical illness cover and income protection are often confused. Many people assume if they have [Read More]

What is ‘specialist lending’?

Specialist lending is a phrase you might hear batted about by mortgage advisers, but what [Read More]

Loan to income vs loan to value: what does it all mean?

Loan to income and loan to value (or LTV) are phrases you often hear in [Read More]

What is home insurance for?

Home insurance. It’s insurance for your home. Sounds simple, right? But what exactly does it [Read More]

How to deal with a down-valuation from a surveyor

Last year, a survey of 1,000 sales in the UK revealed that nearly half of [Read More]

The highs and lows of Help to Buy

The government has recently launched the latest version of the Help to Buy: Equity Loan [Read More]

What are Lifetime Mortgages?

Lifetime mortgages are a way of releasing equity from a property; exclusively available to homeowners [Read More]

Can you get life insurance with a high BMI?

Life insurance is well worth considering; these policies can help your family financially should you [Read More]

Budget Breakdown: Can you get a mortgage with a 5% deposit?

Last month, the government announced a new Budget. As part of it, they announced a [Read More]

How to build your own home

We’ve all seen an episode of Grand Designs that’s made us want to build our [Read More]

Can you get life insurance if you smoke?

According to the latest report from the Office for National Statistics, there are roughly 6.9 [Read More]

Can you get a mortgage with a bad credit score?

The latest industry research has revealed that over 70% of people are worried they won’t [Read More]

Holiday Homes: the how, where and why of buying a second property

We don’t know about you, but we’re really craving a holiday. Sun, sea and sand… [Read More]

What is remortgaging?

Over 30% of people aren’t sure what the term ‘remortgaging’ means but it’s a great [Read More]

Is your relationship protected?

Can you hear it? The sound of chocolates, roses and PDA approaching. Valentine’s Day is [Read More]

Moving house during lockdown: a solo survival guide

Moving house is still allowed under the lockdown rules. That said, the government has made [Read More]

New year, new protection needs?

2020 is behind us and a new year’s ahead. Now is a great time to [Read More]

What does the property market look like going into 2021?

The fireworks have dazzled, the champagne has fizzed and the new year is here. After [Read More]

Lockdown impact on the buy-to-let market

lockdown

First-time buyers & coronavirus

Being a first-time buyer can be confusing at the best of times and the current [Read More]

Are you protected for winter?

In the build up to the festive season there are always so many things to [Read More]

Negative interest rates – what are they and what would they mean?

You may have heard that the UK economy is in recession. Maybe you have heard [Read More]

Has Covid-19 made you rethink your protection?

Recent research has revealed that Covid-19 has dramatically changed the way people, particularly younger people, [Read More]

Demand and delay in the housing market

Back in July, Chancellor Rishi Sunak announced a stamp duty holiday. Cue the cheers of [Read More]

Remortgage in the time of coronavirus

Autumn has arrived and with it the sense of something hovering over the horizon – [Read More]

Tips for renewing your home insurance

The next few months are often a popular time for home insurance renewal, so here’s [Read More]

Increased interest in buy-to-let from first-time buyers

Recent data has revealed that a growing number of first-time buyers are looking to purchase [Read More]

Oli’s October Fundraiser for Prostate Cancer!

Our Director has decided to undertake a huge task this October – by taking part [Read More]

New Government Green Homes Grant scheme

While the stamp duty holiday and ‘Eat out to help out’ scheme stole the headlines [Read More]

Furlough and Income Protection

No-one could have predicted what we experienced during first half of 2020, when the word [Read More]

Help to Buy build deadline extended

The government recently announced the deadline for building work under the current Help to Buy [Read More]

Mortgage Payment Holiday – pros and cons

The end of June signified the end of the initial three-month period of Mortgage Payment [Read More]

What’s next for you in the property market?

With many mortgage lenders resuming physical valuations on properties in England, the property market seems [Read More]

Protecting what matters, before it matters

This pandemic has taught all of us that you can never be too prepared for [Read More]

Support for you and your mortgage application

With a changing mortgage market, it can be an unsettling time to be in the [Read More]

How could Coronavirus affect your finances?

As you are no doubt aware, the Coronavirus (COVID-19) pandemic has caused disruption across the [Read More]

How long should you fix your mortgage for?

Whether you are moving up the property ladder or you are taking that milestone first-step [Read More]

Life insurance tailored to your needs

Having life insurance in place is incredibly important. No one likes to think about death [Read More]

House prices close to all-time highs

Since the end of 2019 confidence in the housing market has been growing. The housing [Read More]

Buy to Let mortgages are getting cheaper

2019 was an interesting year for the Buy to Let market as more landlords chose [Read More]

Confidence in the housing market grows

Hindered by political and economic uncertainty, the housing market in 2019 was described as flat [Read More]

More options for borrowing into later life

Later life borrowing is becoming ever more relevant. The UK’s population is ageing and it [Read More]

Residential Mortgage borrowing increases

Happy new-year! It’s 2020 already, and a brand-new decade! The start of the new year [Read More]

House price growth rallies in November

In what has been described as a somewhat stagnant economic and mortgage market by some [Read More]

The importance of protection for your tenants

There are a staggering 4.5 million privately rented households in the UK, according to figures [Read More]

Remortgage: Myth Busting

A remortgage is the act of switching your existing mortgage to a new deal, either [Read More]

25% extra on your savings for your first home

You or your loved ones could be able to get 25% extra on your savings [Read More]

The additional benefits of Personal Protection

Having personal protection in place is incredibly important. What if the unthinkable were to happen [Read More]

Additional benefits of General Insurance

Whether you live in a one bedroom flat or a five-bedroom detached house, you’ve worked [Read More]

Homeowners to be “better off” than renters

In a time where taking that first step onto the property ladder may seem harder [Read More]

Highest Number of First Time Buyers since 2007

First-time buyers may be forgiven for thinking that it appears to be harder than ever [Read More]

Why are current mortgage interest rates so low?

Despite what some commentators are describing as a flat economic and mortgage market, many of [Read More]

Additional costs of buying a home.

You’ve found the home of your dreams and it’s within your budget, whether you’re a [Read More]

Income protection…Get the maximum benefit!

Are you getting the maximum amount out of your income protection policy??

What to do pre-mortgage application

Getting yourself Mortgage ready is never straight forward, so we've created this guide to start [Read More]

Record number of deals for first-time landlords

First-time landlords have access to a wider range of deals now than they did in [Read More]

Remortgaging jumped up by 20% in May

Does cutting your mortgage repayments or reducing the length of your mortgage term seem like [Read More]

Protection: do you know what it means?

Life insurance and critical illness cover, do you understand the protection industry jargon or are [Read More]

Mortgage lending in the UK is still rising!

Despite a backdrop of Brexit, other economic concerns and 'Political Playtime', residential mortgage lending in [Read More]

Having Deposit Problems? – You’re NOT alone

Are young people relying on inherited money to get ont onto the property ladder???

Help to Buy ISA Ending…

Most first-time buyers don't know when the Help to Buy ISA ends

Mortgage Prisoners

Mortgage prisoners are predominantly those borrowers who took out a mortgage before the financial crisis [Read More]

How to Help the Self Employed!

Data released by the Office for National Statistics last month revealed the number of self-employed [Read More]

Do millennial parents really need life insurance?

A study of millennial parents has revealed some startling statistics and attitudes towards life cover. [Read More]

Potential homeowners would be open to a 40-year mortgage term.

3.25 Million more first-time buyers could afford to get onto the property ladder by using [Read More]

Five tax rules landlords need to know

Landlord tax rules have seen some significant changes over the last few years. We have [Read More]

UK Life Insurance is the cheapest in the world

Did you know that the UK has the Cheapest Life Insurance in the world. Read [Read More]

The ‘Bank of Mum and Dad’

The Bank of Mum and Dad are parents who are willing to lend their children [Read More]

Help! I’m self-employed

Getting a Mortgage if you are Self Employed shouldn't be as difficult as it sometimes [Read More]

British first-time buyers struggle with mortgage jargon

Mortgage Jargon

One million brits are off work for over a month every year

One million Brits are off work.