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Quote of the Day

“Work hard in silence, let success make the noise”Source: Pinterest.co.uk

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Whole Life Insurance vs Term Life Insurance

It goes without saying that Life Insurance is an important policy worth having. In fact, some mortgage lenders require you to have life insurance when purchasing property. But with different policies available, offering different benefits, it can be overwhelming to know whether to opt for whole life insurance or term life insurance to best suit your needs. 
Here at Financial Foresight we have years of experience advising individuals on various life insurance policies. Below we have provided an overview of two popular types of policies to help you get a better understanding of what might work for you. 
Whole Life Insurance


Whole Life Insurance tends…

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Quote of the day

Life is like looking for your phone. Most of the time, its in your hand. Source: https://www.ourmindfullife.com/funny-life-quotes 

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What are mortgage rates?

When purchasing a property, a homeowner can opt for either a fixed rate mortgage or variable interest rate mortgage. Either of which will impact how much your mortgage payments will cost, alongside what the terms and conditions of your mortgage lender are.
If you’re a first time buyer or looking to move home, it can be overwhelming to get your head around the different payment plans. Here at Financial Foresight we can offer advice and guidance to help you decide which mortgage rates are best suited to your personal needs.
1. Fixed Rate
Mortgages with fixed rates means your payments costs are locked down…

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Quote of the day

“Great minds discuss ideas, average minds discuss events, small minds discuss people” – Eleanor Roosevelt. Source: PRIMIS Mortgage Network 

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Life insurance is easier and more affordable than you think

Keeping on top of your finances can often feel like a full–time job in its own right; worrying not just about your own incomings and outgoings, but also whether the protection and policies you have are the most suitable for your needs.Price comparison sites do a good job at helping people who know what they need to buy – but that’s a very small fraction of the population. The rest are left in the dark about what protection they need. It’s this perceived complexity that means it sits forever on our to–do lists – a rainy day job that never…

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Quote of the day

“Be careful with your words, once they are said, they can be only forgiven, not forgotten. Source: QuotesGram (Pintrest.com)

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HMS Gannett – DEEDS NOT WORDS

“Deeds not words” is a variation of the quoted motto, “you are judged by your deeds”.
This is part of the UK National Historic fleet currently in Chatham Historic Dockyard.

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How to choose the right mortgage?

How to choose the right mortgage?There are a few options to consider when you’re choosing a mortgage,
including:  Fixed rate or tracker mortgage
If you choose a fixed rate mortgage the interest rate stays the same for a set period, which can make it easier to budget. With a tracker mortgage, your interest rate will go up or down depending on the Bank of England base rate – so you’ll benefit if there’s a fall in the rate, but you’ll pay more if it rises.  
 
Some lenders offer special rates for new customers, so it’s worth getting in touch with our expert mortgage advisers.
 
Interest only mortgage
An interest-only mortgage will…

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Two–fifths of homeowners have no life cover

Two–fifths of homeowners have no life cover 
“For many of us, life insurance isn’t expensive and will likely cost a fraction of what a typical household spends on their home entertainment subscriptions. It’s also the case that if you take out a policy when you’re younger, you’ll probably benefit from cheaper premiums as insurers view you as being less likely to develop any serious illnesses.”  
 


Just 59 per cent of homeowners with dependents have life insurance cover,
research from MoneySupermarket has found. 
The survey of 2,000 people conducted by OnePoll revealed myths around costs and payouts were the main reasons people did not take out a plan. 
Some 46 per…

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