Blog

Quote of the Day

 “What do you call a person who is happy on Monday? –
Retired.
Source:https://www.pinterest.co.uk/pin/
AZvnTbMQfpqYYvThmtYN9a0T3D4rCvnETMuFLaHJoLyJn8k8B3mePGQ/

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UK Banks set out details of COVID–19 Mortgage Holidays

UK Banks set out details of COVID–19 Mortgage Holidays
Britain’s banks have revealed how they are going to implement Rishi Sunak’s promise of “payment holidays” of up to three months. In guidance issued after the chancellor pledged mortgage support for households affected by the coronavirus, UK Finance, the trade body for the major banks,
set out how households can apply.
Lenders will help customers decide which is the best way for the individual, but an automatic payment holiday may not always be the most suitable approach and may not be required by all customers,” said UK Finance.
The holidays will not constitute free money. The banks…

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Why Save into a Pension?

 Why Save into a Pension?
Pensions might seem complicated,
but the basic idea is a simple one. It’s worth understanding the benefits of saving into a pension scheme, because your State Pension – while providing a foundation – may not be enough to live on. Call into one of our branches today to receive expert pension advice!
Did you know?
The maximum State Pension is a lot less than the amount most people say they hope to retire on – for 2020–21
it’s £175.20 a week, or £9,110.40 a year. Millions of people aren’t saving nearly enough to give them the standard of living they…

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Quote of the Day

 
“ A budget is telling your money where to go instead of wondering where it went” – Dave Ramsey
Source:
https://www.pinterest.co.uk/pin/331999803761810538/

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Life Insurance Options

Life Insurance Options
There are many different types of life insurance: some protect a mortgage and some protect all your dependants, while others provide a way to mitigate inheritance tax. So far here we’re focusing solely on life insurance taken out to provide money for your family if you or your partner were to die. This is something every parent, partner, or person with any other type of dependant needs to consider. Speak to one of our expert Life Insurance advisers today!

What you need to know!
1.       
Level term life insurance pays out a set amount if you die within a fixed term
This is…

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Quote of the Day

“Fun is like life insurance; the older you get, the more it costs”. – Kin IIubbard
Source:
http://quotepixel.com/picture/life/kin_hubbard/fun_is_like_life_insurance_the_older_you_get

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Financial Foresight Guide Dog Sponsorship

Financial Foresight have sponsored a Guide dog and named him “SWEEP” here he is


After COVID–19 is beaten Sweep will be visiting our Ballyclare office.

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Mortgage deal ending? What are your Options?

1.    
What is a Product Transfer?
If you are approaching the end of your fixed rate, and are about to go on to your lenders Standard Variable Rate (SVR) your lender may offer you a Product Transfer.
This will depend on a range of factors but some of the key ones are:
–       
Your Equity in the property
–       
The mortgage balance that you have paid off
–       
The value of the building
2.    
Reason to consider a Product Transfer
There are a number of reasons to consider a Product Transfer, this may be because these are:
–       
Faster to arrange than a full mortgage
–       
Property does not need to be…

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Have you thought about Equity Release?

Have you thought about Equity Release?
 
Are you over 55 and looking some extra cash? If this is the case Equity Release may be the answer.
 
What is Equity Release?
 
Equity Release is a way of supporting yourself later in life, by unlocking tax–free cash from the value of your home, without having to move out. You might want to renovate your old kitchen or bathroom to what you’ve always wanted, or even take yourself away on a trip of a life time.
 
What type of Equity Release plan are there?
 
There are two main types of equity release;
 
1.    
Lifetime Mortgage – this is the…

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