Archive for June, 2018

Businesswoman drawing a mortgage illustration. Isolated on white

Mortgages, should you fix or float?

Last year, the Bank of England’s decision to raise interest rates took the Monetary Policy Committee out of the financial pages and into the mainstream headlines.  Given that the raise took interest rates from 0.25% to 0.5%, it was hardly…

Read More
Modern, red brick houses viewed from above.

The ins and outs of leasehold property

You only actually own a property outright if you buy it on a freehold basis (or buy a share of the freehold), in which case your money pays for the property and the ground on which it stands (and sometimes…

Read More

Dealing with deposits

The mortgage landscape has certainly changed a lot since the days before the 2008 financial crisis.  Now the key word for both residential buyers and landlords is “affordability” and although the concept of affordability is defined in different ways depending…

Read More

Understanding Credit Rating & Why It’s Important

Fundamentally, your credit rating is simply a reflection of how well you manage your money.  While the term “credit score” does infer debt repayments, these days, your credit score can be a broader reflection of how you manage your money…

Read More
time to invest concept clock

Welcome Relief For Investors

The old joke about death and taxes being the only constants in life will probably ring particularly true to many people when it comes time to fill in tax returns.  The good news is that there are various forms of…

Read More