Financial advice is one of those things most people know they probably need but put off doing anything about. Cost is often the reason given — the assumption that advice is expensive, opaque, or only for people with substantial assets. In reality, the cost of not taking advice is frequently far higher than the advice itself. And with independent fee …
If you’ve got a little spare money at the end of every month, what’s the best way to use it? Should you put it towards overpaying your mortgage or would a different option make more sense? Most people taking out a mortgage choose a repayment option. Assuming you keep up with your repayments, you’ll own the property outright at the …
As a business owner, you might neglect your personal finances because you’re focused on those of your company. Your business may be among your largest financial assets, but it is important to remember that your personal finances exist separately. Taking time to review your own financial plans can help you make more informed decisions and ensure your personal goals remain …
Selling your business is often a goal you’ve been working towards for years. But viewing it as the finish line, rather than the start of a new journey, could lead you to overlook steps that make the next chapter of your life more enjoyable. Entrepreneurs often find that their personal goals and finances become entwined with those of the business. …
Gifting assets during your lifetime has become a common strategy for reducing a potential Inheritance Tax (IHT) bill. Indeed, according to Paragon Bank (31 July 2025), 1 in 5 savers aged over 65 are passing on cash for this reason. Yet, gifting doesn’t always mean that assets are excluded from your estate when calculating IHT, and there are a lot …
Key changes are being made to ISAs in April 2027, and they could affect how you use the tax-efficient wrapper. You might have read in the news or heard that the ISA allowance is being cut or that tax will now apply to cash savings. While there is some truth in these statements, without further details they’re misleading. To cut …
Ongoing conflict in the Middle East and investor concerns that technology companies are overvalued continued to affect market performance. Read on to find out how these factors and others may have impacted your investment portfolio in July 2026. Markets started the month with a sell-off of chip stocks as investors lost enthusiasm for AI. Asian markets were particularly affected on …
Is your current mortgage deal close to expiring? You might be considering whether to remortgage or use a product transfer. Discover the differences, along with the pros and cons of each option. A remortgage involves moving to a different lender In simple terms, a remortgage means taking out a new mortgage with a different lender. You’d need to go through …
Whether you’re taking out your first mortgage or it’s a process you’ve been through a few times, there’s an important question you need to answer: What type of mortgage should I take out? One option you might have overlooked is a tracker-rate mortgage. Indeed, according to statistics from UK Finance (8 May 2025), tracker-rate mortgages account for just 7% of …
As a business owner, your personal and business financial values are often closely linked, but they’re not the same. Focusing only on the valuation of your business when assessing whether you’re on track for personal long-term goals could be risky. In June, tech entrepreneur Elon Musk made headlines by becoming the first trillionaire when his company SpaceX was listed on …
