If you want to stay on top of your mortgage repayments and ensure you’re getting the right deal for your circumstances then remortgaging is one of the most important financial decisions you can make.

But is it best to change to a new mortgage product with your current lender via a product transfer or look to remortgage with another provider?

The reality is that there are advantages, disadvantages and differences to whichever route you choose to go down, which is why it’s essential to speak an experienced advisor who can guide you through t...

If you’re about to come off a fixed rate mortgage, then you could be forgiven for wondering what’s in store for you.

Until relatively recently, interest rates have been at near-historic lows for over a decade. In the last two years, though, they’ve rocketed. Higher interest rates, coupled with the cost-of-living crisis and high inflation levels not seen in almost 40 years, has created uncertainty for those whose fixed-rate deal is about to end.

Homeowners are keen to keep their repayments manageable and one option you may be considering is...

With interest rates higher than they have been for 15 years, you may be worried about the impact this will have on your monthly mortgage payments once your current mortgage deal expires.

There is no doubt it can feel overwhelming for homeowners at a time when it’s hard to turn on the news without hearing about increased interest rates, increased living costs and ever-changing mortgage rates. If you don’t know which way to turn and you’ve left remortgaging until the last minute - don’t panic!

Before you hit the panic button, talk to your mo...

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 determine mortgage rate pricing.

Lots of factors determine mortgage pricing – not just ...

Downsizing could mean lower overheads as well as the extra cash from the sale of your home. But there are factors to consider before you make the decision.

From reducing household bills to boosting retirement savings, there are plenty of reasons why people choose to downsize and move to a smaller property.

It’s important to consider interim costs, however, like whether you decide to rent in the area you’re thinking of moving to, as the search could take some time. There are also fees to pay when selling your home including stamp duty, surv...

Since the government introduced pension auto-enrolment in 2012, millions more workers have started saving for their retirement. Now, the government has confirmed plans to extend auto-enrolment to encourage a savings boost. The changes could have implications for both employees and business owners.

Following a review of auto-enrolment the government has revealed key reforms forecast to increase pension contributions by £2 billion a year.

Key auto-enrolment changes to be aware of

The minimum age of auto-enrolment will fall from 22 to 18
Youn...

If you’re a homeowner, your mortgage payments are likely to take up a large part of your income each month.

You’ve made sure that your loved-ones will have financial protection to cover the mortgage you leave behind if you were to die with life insurance but what about if you became seriously ill or injured, and unable to work? Would you be able to keep up your mortgage repayments?

Statistically, you’re much more likely to be diagnosed with a critical illness than die during your working life. For example, a man aged 40 is 4.1 times more l...

If you’re a homeowner, your mortgage payments are likely to take up a large part of your income each month. But if you became seriously ill or injured, and unable to work, would you be able to keep up your mortgage repayments? As buying a home is likely to be your biggest investment, it pays to protect yourself, so you’re covered should a life changing event occur.

We know the little things in life can be life-changing. It could be a phone call from the doctor with serious news about your health, or a stepladder that wobbled once too often ...