While an IVA can provide much-needed debt relief and help avoid bankruptcy, it can have a significant impact on your credit file. It’s important to understand the impact it may have on you. What is an IVA? An Individual Voluntary Arrangement (IVA) is a legally binding agreement...
Everyone is doing their bit to tackle climate change, but these changes can come at a cost. So how can you make an impact without breaking the bank? How can I make my home greener overnight? Going green with your electricity supply is the quickest and cheapest...
When it comes to considering holiday insurance and life insurance, there are distinct differences in their costs and underlying purposes. Many of us pay for holiday insurance, but never consider life cover. What’s the difference? Holiday insurance, also known as travel insurance, provides coverage for specific risks...
When it comes to maximising the value of your property, gardening may not be the first thing that comes to mind. However, a beautiful garden can have a real impact on the overall worth of your property. Creating a good first impression A carefully designed and maintained...
A 100% mortgage, also known as a zero-deposit mortgage, is a loan that allows first-time buyers to borrow the full purchase price of a property without having a deposit. What does this mean? For first-time buyers, a 100% mortgage can be an appealing option as it allows...
Around 140,000 landlords retired in 2022, predominantly these were older investors, who were part of the early buy-to-let mortgages launched in 1996. They leave behind a gap which is at risk of not being filled. What does this mean for the next generation of landlords? Currently,...
Life is unpredictable, but preparing for the unexpected can provide peace of mind and financial security for you and your loved ones. Whether you are considering life cover or re-evaluating your finances, it’s always important to plan for the future. Cost-of-living pressure With inflation remaining high, and...
Buying and selling property can be a complex and stressful process. One of the most challenging parts of buying or selling a property is the property chain. A property chain is where a group of home buyers and sellers are dependent on one another when...
In March 2023, the Bank of England announced an increase to its base rate by 0.25%, rising to 4.25% in the eleventh rise since December 2021. Inevitably, this will affect everyone throughout the UK. So what does it mean and how does it affect your...
New research highlights an ‘alarming link’ between the rising costs of living and declining health across the UK population. The protection industry can have a positive influence, providing the tools to help you manage your health in 2023. Cost-of-living pressure The cost-of-living pressure could trigger a global...