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HELP TO BUY ISA’S

For first–time buyers this account could be worth a free £3,000 from the government, everyone over the age of 16 who wants to buy a house before 1st December 2030 should apply, but they cannot be opened after the 30th November 2019
 
–BUY NOW WHILE STOCKS LAST–

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Independent Financial Advice, why go anywhere else?

 Independent Financial Advice, why go anywhere else?
In these days of Pension change, low bank deposit rates and mortgage payment increases financial advice has never been so important. Financial products constantly change so it is prudent to have your finances regularly checked; especially if your original advice was not independent.
Many, if not most, advisers are “restricted” in what they can advise on or whom they can recommend. Financial Foresight has always been and continues to be INDEPENDENT financial advisers (IFA’s). We advise on and arrange mortgages, life and health insurance, pensions and investments across the whole market.
Financial Foresight is Northern…

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Pension Planning Tips

 
Pension Planning Tips!If you are aged between your 20s and 30s you should consider planning for their retirement.
Regardless of the decade, we have outlined some key areas to focus on when you decide to plan for your retirement lifestyle. The aim of this is to give guidance on how you can make sure your retirement is one of comfort, ease and financial security. 
Failing to plan for your retirement can have severe implications for not only you, but also your own family. Living off a limited expenditure from one week to the next is not exactly a desirable lifestyle. With…

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Everything you need to know about Investing

Everything you need to know about Investing
If you’re considering ‘The best way to save your money for a rainy day’ then the likelihood is that you need financial guidance.
If you live from month– to– month with your hard earned cash burning a hole in your pocket; then it’s time to save for the future. Or, begin a rainy day fund.
However, saving is not second nature to most of us and often we need financial advice to determine whether saving or investing our money would be better suited to our financial circumstances.
First and foremost, you need to pay off any debt…

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Managing your money!

 ”Money is like gasoline during a road trip. You don’t want to run out of gas on your trip, but you’re not doing a tour of gas stations” – Tim O’Reilly

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MORTGAGE PLANNING FOR BEGINNERS

 MORTGAGE PLANNING FOR BEGINNERS
When it comes to mortgages, it can be overwhelming to make sense of all the different loans on the market. Especially when you consider how expensive properties can be,
how much you may need to borrow and how much you need to pay back. That’s why we believe it is vital to have expert advise at hand when you begin to plan for your mortgages.
It is essential to make smart financial decisions when it comes to finding the best mortgage for you, so let us help you today!
 
Here at Financial Foresight we aim to provide valuable guidance on the latest…

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Why you should consider Life Insurance?

 “You don’t buy life insurance because YOU are going to die, but because those you love are going to LIVE.”
Source: https://www.pinterest.co.uk/pin/393853929888763203/

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Calling all those Self–Employed – have you adequate cover to protect yourself each year?

Calling all those Self–Employed – have you adequate cover to protect yourself each year?
If you have time off work due illness or injury, then it’s important for everyone to have a source of income within the home for you and the wider family, but this is vital for those who are Self – Employed. 
 
1.     
What does Income Protection Insurance cover?
 
Income Protection insurance covers most illnesses that leave you unable to work. However, all policies are different, so it is vital you speak with one of our specialist advisers to get the best cover tailored to your need. There will also be…

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Seeking Professional Advice

 ”If you think hiring a professional is expensive, wait until you hire someone who isn’t”
 
 
Source – Red Adair – American Firefighter.

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What is an Agreement in Principle?

When it comes to property hunting, there’s no better feeling than finding the house of your dreams. Especially as a first–time buyer! However, before you can make an offer on a house, it’s best to have an Agreement in Principle (AIP).
What is an Agreement in Principle?
Also known as a ‘Decision in Principle’
(DIP), an Agreement in Principle is a certificate or statement from a lender that confirms they would, ‘in principle’, lend a prospective borrower a certain amount of money based on the information provided.
 
An Agreement in Principle can be submitted at any point during the house hunting process. However, most…

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