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Decoding your finances – Why being on SVR is bad for your mortgage

Typically, people re-mortgage in order to take advantage of better rates when they reach the end of a fixed-rate mortgage term, which typically lasts between two and five years. If the fixed rate period ends without them putting a new plan in place they will usually be moved to a Standard Variable Rate (SVR), which […]

Which insurance suits your situation?

Mortgage Protection Insurance, or Accident, Sickness & Unemployment (ASU) insurance are policies that cover specific payments. Whether you need one of these or more general life insurance depends on what you need the pay outs to cover. All types of insurance are optional, but you may want to consider the impact of your death, or […]

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Pre-existing medical conditions don’t always stop you getting life cover

Life expectancy has risen in the UK, and much of the developed world, to the mid-eighties. Couple that with advances in what medicine can achieve and previously life limiting conditions are now manageable, sometimes for many years. This means that life insurers have had to review their view on how they approach conditions that they […]

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Retirement Interest Only Mortgages – What to consider

In our January blog we introduced you to retirement interest only mortgages. Since then they have received some attention from the online money advice services. So, what should you be thinking about when considering this type of mortgage?  To recap a retirement interest only mortgage is a mortgage that lets you pay the interest. You […]