mortgage advice Radlett

How can I help?

In these troubled times, I know that so many people are concerned with their mortgage. I am still working with my clients over the phone and now have access to lenders and their contact details. The Bank of England has…

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mortgage advice Radlett

What the budget means for personal finance

The budget was expected.  The emergency meeting of the Monetary Policy Committee of the Bank of England, by definition, was not.  Both had meaningful implications for personal finance. Interest rates were cut from 0.75% to 0.25% (and have since been…

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Poor Health, financial advice Radlett

Is Poor health Making You Poorer?

Although the UK has both a welfare system and free public health care, illness and injury can impact your finances.  While there’s a limit to what you can do to protect yourself from becoming ill or injured, you can certainly…

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Property Asset Finance mortgages

What Diversification Really Means

Investment portfolios are like teams.  They should all work together harmoniously, with each member bringing their own strengths to balance out the others’ weaknesses so that no matter what happens, you wind up with a good result.  That’s the theory. …

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mortgage broker Radlett

The financial realities of getting older

Life is full of challenges and possibly the single biggest challenge of longer life expectancy is working out how to finance it.  There are more options than “just” pensions and even if you do go down the pension route (which…

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Property Asset Finance

Help to buy is extended (and limited)

The Help to Buy scheme has been both extended and limited.  It’s been extended because it now runs to 2023.  It’s been limited because it’s now only open to first-time buyers.  Another new twist to the scheme is that the…

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Winter woman with cup of hot tea

The dangers of walking in a winter wonderland

Tempting as the idea may sound, it may be rather impractical to spend all winter indoors.  In fact, you may have to spend much more of it outdoors than you’d ideally like, especially if you have young children or dogs….

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concept for a positive attitude with small office notes with multiple faces and one that stands out with a smile

The reality of average risk

Averages can be both interesting and informative, but they can also be misleading.  Firstly, there are three different ways of calculating them (mean, median and mode), which can produce significantly different results.  Secondly, even if “average figures” suggest that there…

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Property Asset Finance Financial advice

Inflation and Investments

Inflation is basically another word for price increases.  Its opposite is deflation.  Inflation matters because it influences the cost of goods and services and hence how much income we need to support our lifestyle. Measuring inflation In principle, you can…

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Property Asset insurance

Accidents can (and do) happen

While words like “health and safety” tend to make people’s eyes roll, fundamentally health and safety is basically about taking sensible precautions to keep people safe and it, therefore, applies in the home too.  As an added bonus, it also…

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