Keep your pension planning on track

Posted by siteadmin on Friday 14th of August 2020


The coronavirus outbreak is having a widespread impact across all aspects of our financial life, with many people finding their income reduced. At times like this it can be challenging to stay focused. No matter what age you are, now is not the time to neglect your pension. Try your very best to keep your pension planning and contributions on track – don’t allow the pandemic to cast a cloud over your long-term plans.

It’s never too early to start saving into a pension...

You should start saving for retirement as soon as possible, as ...

Life insurance - Mind the Gap

Posted by siteadmin on Wednesday 12th of August 2020

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With policies like home insurance or car insurance, we’re all in the habit of reviewing our cover annually. With a life insurance policy potentially lasting for 20 or 30 years, it goes without saying that over that time, your lifestyle and therefore your cover requirements can change, sometimes substantially. Whenever you mark life’s important milestones, it makes good financial sense to reassess your protection needs.

Overlooking the need to revisit your protection policies over time could mean that your ...

Now could be a good time to remortgage

Posted by siteadmin on Thursday 23rd of July 2020



Mortgage rates are now at record low levels, following two Bank of England rate cuts in March to bring the base rate down to 0.1%.

Borrowers on a tracker, discounted or variable rate mortgage may have already benefited from this rate drop, but those borrowers whose mortgage deal is nearing its end, or those currently on an uncompetitive standard variable rate (SVR), should review their situation as there are some very competitive products on the market, with potential savings to be had.

Remortgaging explained

A remortgage is...

Summer Statement Summary

Posted by centro on Thursday 23rd of July 2020


Summer Statement Summary

In March, Rishi Sunak unveiled “one of the largest and most comprehensive economic responses in the world” to protect the UK’s population against the impact of coronavirus. The £160bn plan, the Chancellor said, was just the first stage of the government’s response to the pandemic. Four months later, on 8 July, the Chancellor stepped up once again to reveal the second phase, “a plan for jobs”.

In his speech, Mr Sunak did not shy away from the “profound economic challenges” facing the nation. He revealed that, in...

Fed up with Renting?

Posted by centro on Thursday 23rd of July 2020

Fed up with renting?

If you rent your home, it can be frustrating to know your hard-earned cash is going into someone else’s pocket each month.

If you’ve ever thought about owning your own place, the mortgage market may appear daunting. How do you choose the right deal? Which lenders should you talk to? And what on earth is a Standard Variable Rate?!

Specialist mortgage advice for first time buyers

We know choice is important, so we have access to over 50 of the UK’s best-known lenders, thousands of products, and some exclusive deals tha...

Investing for Children - The Junior ISA

Posted by centro on Tuesday 23rd of June 2020

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There was welcome news for young savers in the March Budget with the government announcing the Junior ISA (JISA) allowance was to be more than doubled, from £4,368 to £9,000 from 6 April 2020.

JISA and CTFs both benefit

JISAs replaced Child Trust Funds (CTF) in 2011, but those who still
hold CTF will continue to benefit from the increased allowance. Both JISA and CTF are a tax efficient way to build up savings for a child. It is not possible to have both a JISA and a CTF.

Savings for children

A junior ISA can be opened for any child u...

What is cashflow modelling?

Posted by centro on Monday 15th of June 2020


 “In this world nothing can be said to be certain, except death and taxes.”


Financial planning is all about preparing for those things that may not be so certain (and taxes). Plans should be reviewed regularly so they adapt to changes in your circumstances and reflect developments in the wider economy and financial markets.

Cashflow modelling, sometimes known as cashflow forecasting takes a view of investments, debts, income and expenditure. It takes in to account things like inflation, changes in income and interest rates.

It ...

How secure is your business?

Posted by centro on Wednesday 10th of June 2020


Business protection is a crucial element in a company's financial future, but how many have cover in place?

You may have covered the tangible assets in your business, but have you protected the most important asset; the people who contribute directly to your bottom line?

If the answer is no, you could be putting your business at risk. After all, if you lost a key employee, this could impact the day-to-day running of the business, it could hit profits and create problems repaying an outstanding business loan.

Research by Legal & Genera...

Investment Newsletter- May 2020

Posted by centro on Tuesday 9th of June 2020

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Our expert advice can help reduce your mortgage stress

Posted by centro on Wednesday 13th of May 2020


Moving home is known to be one of life’s most stressful events. In fact, a survey earlier this year, found the process can cause us more stress than other major life events such as having a baby, getting married, starting a new job or getting divorced.

Sorting out your finances

The biggest cause of worry for many is arranging finance for the move. First-time buyers need to save up funds for a deposit, as well as finding the right mortgage and an affordable property. Low- deposit mortgages and saving schemes, like the Help to Buy ISA (whi...