News and insight

Fixed rate mortgage guide

by Cheyne Wilcocks MSc, DipPFS, Cert CII(MP & ER) | 30th December 2019 | Insight

Fixed rate mortgages offer a period of household budget stability. This guide looks at some of the things you need to be aware of before taking the plunge.

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Guide to available help to buy your home

by Cheyne Wilcocks MSc, DipPFS, Cert CII(MP & ER) | 5th December 2019 | Insight

With the relentless rise in property prices buying a home is becoming more and more of a challenge. But help is available, just need to know where to look.

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Guide to debt consolidation

by Cheyne Wilcocks MSc, DipPFS, Cert CII(MP & ER) | 5th November 2019 | Insight

Consolidating all your debt into your mortgage can be viable proposition. However, there are things you need to be aware of and take into consideration before taking such action.

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Leasehold vs freehold, know the differences

by Cheyne Wilcocks MSc, DipPFS, Cert CII(MP & ER) | 1st November 2019 | Insight

A look at the main differences between a leasehold property and a freehold property and why it is important you are very clear which category your proposed property purchase falls into.

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Offset mortgages in view

by Cheyne Wilcocks MSc, DipPFS | 29th July 2019 | Insight

A look at offset mortgages - in a nutshell, whilst you have borrowings greater than your savings you will only ever pay interest on the borrowings once your savings have been offset.

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Living protection in view

by Cheyne Wilcocks MSc, DipPFS | 22nd July 2019 | Insight

A look at the two main options available when considering protection when living, critical illness cover and income protection and how their differences may influence your priorities when considering such cover.

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Relief on its way for mortgage prisoners

by Cheyne Wilcocks MSc, DipPFS | 29th March 2019 | What the papers say

Financial Conduct Authority (FCA) published a consultation paper proposing changes in their affordability rules to help consumers trapped in mortgage deals.

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UK prices and earnings confirm divergence

by Cheyne Wilcocks MSc, DipPFS | 26th February 2019 | What the papers say

A clear divergence between the Consumer Price Index (CPI) and Average Weekly Earnings (AWE) has emerged.

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Income protection solution for the self-employed

by Cheyne Wilcocks MSc, DipPFS | 16th February 2019 | Insight

What happens if you are unable to work because you are seriously ill or suffered an accident or disability? Who is going to pay the bills and general living expenses?

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Bank of England holds base rate

by Cheyne Wilcocks MSc, DipPFS | 12th February 2019 | What the papers say

Following the Bank of England's Monetary Policy Committee (MPC) meeting, on Thursday 7th February, they unanimously decided to keep the base rate at 0.75%.

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