Life can be unpredictable, with events such as illnesses, unexpected job loss and debt repayments to name a few. Insurance can help you through tough times and help you get back on your feet. Life Insurance and Critical Illness Cover are both types of insurance…

It is more than likely that at some point during your lifetime, there will be an unforeseen event which could lead you to struggle in repaying loans or even your mortgage. Payment Protection Insurance guarantees that these expenditures continue to be paid so both you…

If you’re struggling to afford your first home, then Help to Buy could be the financial lifeline you need. Help to Buy is made up of three different schemes: the Equity Loan, the ISA, and Shared Ownership. These have allowed a huge number of people…

If you’re a first-time buyer, then you’ll already know that it’s not easy to get on the property ladder in the current housing market. The value of deposits is increasing with property prices, and mortgage providers have all sorts of stringent requirements you’ll need to…

A buy-to-let mortgage is a specialised type of mortgage agreement designed for prospective landlords who want to buy a property and rent it out to tenants, but can’t afford to buy it outright using their own capital or savings. As with a traditional mortgage, a…

Almost all loans have an interest rate: the percentage charged on top of the amount you owe, which acts as a payment for using the lender’s service. Mortgages are no different: interest is charged as a percentage of the loan amount (known as the ‘capital’…

This week (9 May), a new study has recommended that people from the age of 25 in Britain be given a £10,000 Citizen’s Inheritance to ease inter-generational financial unfairness. The study, titled A New Generational Contract, is the result of a two-year analysis of the…

There are many types of mortgage available in today’s market and knowing which one you need to apply for is essential if you want to get the right deal for you. Though all types of mortgage function in a similar way, factors like interest rates,…

When you take out a mortgage on a home, you’re making a financial commitment that can last for a long time. However, even if you put a lot of work into finding a great mortgage deal, it might not always be the best one for…