Being a first-time buyer can be daunting. Not only are you about to make one of the biggest financial decisions in your life, but you’ll probably also have family members and friends offering their ideas on the right house, mortgage, lender, conveyancer, and even removal company for you.

We’ve put together some ideas to try and take away some of the stress and confusion and give you confidence to move through the home buying process as smoothly as possible.

Get the right advice

Of course, we’re going to say that - it’s what we do! We’ll r...

A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to make decisions on your behalf during your lifetime. The people you appoint to manage your affairs are called the attorneys. An LPA is a completely separate legal document to your will although many people put them in place at the same time as getting their will written, as part of planning for their future.

What does a Lasting Power of Attorney (LPA) cover?

There are two types of LPA which come into effect when you are no longer able...

A UK mortgage lender has launched a £5,000 deposit mortgage especially for first time buyers!

• Minimum £5K deposit. 
• Available for Loan To Values between 95.01% and 99%.
• House purchases above £100k and up to £500K.

If you are looking to take your first steps on the property ladder, talk to us today to find out more.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 27/03/2024.

Life is busy, we get it. But is anything more important than being in control of your future? Recent research* suggests that only 44% of UK adults have made a will, which means that you’re far from alone if you haven’t yet got around to completing what, for some, appears to be a daunting task.

It’s always worth bearing in mind that if you die without a will, the law decides who inherits everything you own (your assets) according to certain criteria called ‘intestacy rules’. So your assets may not be divided up as you would like, meaning y...

At 12.30pm on the 6th March, Chancellor of the Exchequer Jeremy Hunt announced the UK Spring Budget, as well as the economic and fiscal forecast by the Office of Budget Responsibility.

These legislative announcements are game-changers for Britain's economy, and Hunt’s announcements included a number of sweeping changes that could potentially affect the personal finances of everyone living and working in the United Kingdom.

In laying out the Spring Budget, Hunt reinforced the government’s dedication to building the British economy while als...

Jenny is a 47-year-old Account Manager with a long and varied CV.

She hasn’t quite had more jobs than hot dinners but, when she thinks about the various pensions she’s acquired over the years, sometimes it feels that way.

Jenny has recently been considering consolidating pensions. But is combining her pensions necessarily the best way forward?

There are several potential advantages of consolidating your pensions.

Easier to manage - One of the main advantages Jenny might gain by combining her pensions is it should be easier for her to ...

As we approach the end of the tax year, it's a good time to start thinking about how to make the most of the tax reliefs and allowances you’re entitled to, before they are lost. We’ve put together a checklist to ensure you’re aware of all the ways to make sure you don’t miss out.

1. Open or top up your ISA

You can hold up to £20,000 in your ISA in the 2023/2024 tax year and split the contribution, between either a Cash ISA or Stocks and Shares ISA.

2. Use your pension allowance

Usually if you’re under 75 can contribute to a pensi...

As a new year begins you may want a fresh start for you and your families’ health. Did you know that many insurance policies offer access to a range of health and wellbeing services that can help? You also don’t need to make a claim to use them as your protection policies aren’t just there for when things go wrong.

Often called added value benefits, these services can help you and your family start or maintain good health and make your lives easier, providing advice, assistance and information to keep you and your family healthy throug...