Centuries ago, Benjamin Franklin announced that...

“By failing to prepare you are preparing to fail.”

This is especially true when it comes to ensuring your personal finances are protected from the rainiest of days. However, with the rising cost of living likely putting pressure on your spending, you may be considering cancelling your cover, even when this could leave you more vulnerable than before. Read on to discover some of the reasons you should consider prioritising your financial protection over other cost of living worries.

When it comes to investing your money, making small regular investments can provide more benefits than investing a lump sum.

Through regular investing, you can invest a small amount into the markets every month. Investing little and often is a great habit to develop and instil in younger family members. Instead of saving up a chunk of money to invest in one lump sum, investing this way can make a significant difference to your overall levels of wealth over the longer term.

One big benefit of investing a small regular sum is that, you’re pu...

Is now a good time to remortgage as the Bank of England base rate stays the same?

Whilst the Bank of England base rate remains the same, interest rates are still the highest they have been in 15 years. So if you are one of the thousands coming to the end of your fixed rate deal over the next few months it’s very likely you’ll see your payments increase as a result of higher mortgage rates but it’s a common misunderstanding that the Bank of England base rate is directly linked to the mortgage rates on offer. There are many factors that det...

Banks and Building Societies have been encouraged by Chancellor Jeremy Hunt to offer more flexibility to struggling mortgage holders. Following a meeting with the Chancellor, banks and building societies have agreed to offer more flexibility to borrowers impacted by increasing rates and struggling with payments, including:

• Being able to talk to their mortgage lender about their ability to afford payments with it having no impact whatsoever on their credit score
• Switching to interest-only for six months without impacting credit score
• Imp...

The mortgage market is going through another unpredictable time with mortgage lenders withdrawing mortgage deals and increasing rates in a reaction to the recent news that inflation is slowing at a less- -than-expected rate.

Do you need to remortgage now?
If you’re due to remortgage now, don’t panic! The good news is that help is at hand.

Despite the recent withdrawal of some mortgage products and rates, we still have access to thousands of mortgage rates and can search an extensive panel of lenders for you, finding deals and options ...

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When it comes to investing your money, making small regular investments can provide more benefits than investing a lump sum. Through regular investing, you can invest a small amount into the markets every month. Investing little and often is a great habit to develop and instil in younger family members, too. Instead of saving up a chunk of money to invest in one lump sum, investing this way can make a significant difference to your overall levels of wealth over the longer term. One big benefit of investing a small regular sum is that, instea...

The cost of living crisis has dominated the headlines since inflation began to creep up from historic lows in mid-2021. While the Covid pandemic began the inflationary increase, the situation was made worse by the war in Ukraine, which pushed up energy and food prices even further. Following such an extended period of price rises, you may be concerned about your household finances and long-term plans. If you want to understand how you can tweak your expenses and finances to best protect your wealth through the cost of living crisis, read on ...