Blog

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…

Read More

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

Read More

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.

Read More

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…

Read More

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…

Read More

Quote of the Day

“ a penny saved is a penny earned”
– Benjamin Franklin
 
 
 
Source https://blog.blueleaf.com/14-quotes-about-financial-planning-to-keep-clients-engaged/

Read More

What is a Buy–to–let Mortgage

 What is a Buy–to–let mortgage?
A Buy–to–let mortgage are for landlords who want to buy a property to rent it out. The rules around Buy–to–let mortgages are similar to those around regular mortgages, but there are some key difference. Call in today to speak with one of our expert mortgage advisers, so we can help you decide if a buy–to–let mortgage is for you.
1.     
Who can get a buy–to–let mortgage?
Anyone who wishes to, invest in houses or flats, if you already own a home, whether this be outright or with an outstanding mortgage. You will need a good credit score and be…

Read More

Quote of the Day

 ”Life insurance it’s better to be five years too early, than five minutes to late” – Found by FFNI
Source: https://www.pinterest.co.uk/pin/786441153653170271/

Read More

What is Private Medical Insurance?

What is Private Medical Insurance?
Private Medical insurance (PMI)
is an insurance policy which covers the cost of private healthcare. It works in a similar way to any other type of insurance.
–       
You will pay monthly or annual premiums
–       
The provider will pay out some or all of the cost of the treatment you receive.
–       
You can take out policy to cover, yourself, your family, or even your employees
Types of cover?
There are three main types of PMI;
1.     
Basic – this will usually pay for treatment and any related costs while you are an inpatient.
2.     
Medium – this will usually cover outpatient care as…

Read More
IF YOU WOULD LIKE US TO WORK FOR YOU CLICK HERE TO FIND YOUR NEAREST OFFICE.