Service personnel and their families can find it difficult to access commercial products and services because of the time spent outside of the UK.

The Ministry of Defence (MOD) has been working with the financial sector to improve the ability of armed forces personnel to access financial products.

Credit ratings

Credit reference agencies hold factual data, provided to them by a wide range of companies, including banks, credit card providers and mobile phone providers. As long as you keep your address information up to date, your credit ...

The average homeowner moving from a specific mortgage deal onto their mortgage provider’s Standard Variable Rate (SVR) could save more than £2,500 a year in interest payments simply by remortgaging.

SVR is the type of mortgage you’re most likely to revert to at the end of an introductory, fixed rate, discount or tracker deal. The rate you pay on SVR is set by your mortgage lender and doesn’t track the Bank of England Base Rate, which means you might not benefit from interest rate cuts and you could be exposed to interest rate rises. SVRs do...

Writing a policy in Trust could be perceived as something that only the wealthy require, but the reality is Trusts can play an important part in financial planning for people from all walks of life.

When it comes to planning your family’s financial future it makes sense to take all steps possible to help protect their current, and future, standard of living. As part of this, it’s important to make sure any policies you have in place will pay out to those they are intended to benefit, and this could mean writing the policy in trust.

Put s...

Warren Buffett, sometimes known as the sage of Omaha, once claimed he preferred to “to buy a wonderful company at a fair price”. What he meant by this is when it comes to picking investments, he looks for quality businesses that, for some reason or another, are undervalued by the rest of the market.

Buffet learnt his trade as a student and later an employee of Benjamin Graham, widely considered the godfather of this style of ‘value investing’ and author of one of the most authoritative books on security analysis.

Value investors take a bot...

When he was younger one of my son’s favourite questions was; “if you could have any super power, what would it be?” He loved the idea of being a Superhero.

I think, deep down, we all like the idea of being a Superhero. Being able to do things others can’t; amazing things to help those around you.

Now I can’t grant you any super powers (sorry) but I can help you do something amazing to help those you love. Best of all there’s no need to be bitten by a radioactive spider, hit by a strange space mist, or hail from a different planet.

And the...

Six years on from the launch of Automatic Enrolment in workplace pensions figures show there are close to 10million UK workers saving for retirement. But a recent Office for National Statistics (ONS) survey revealed 13% of people believe they don’t know enough about pensions to save into one. So, do you know if you are saving in to a workplace pension, how much you are saving or how much you need to save?

The ONS survey reveals 91% of eligible employees are now contributing to a pension but only 63% have realised they are doing so. If you are...

Have you ever considered what would happen to your family if you were to suffer from illness or injury and were unable to work? How would you all cope on a significantly reduced income? Would you have to move to a cheaper property? With the average expenditure of UK households running at £554.20 per week in 2017 could you cut back your monthly household expenses enough and what would that new lifestyle feel like?

Recent research has found that, on average, families would only be able to pay for help for 18 days before their savings ran out ...

Make becoming a Superhero a reality, without having to be bitten by a radioactive spider. Speak to one of our professional financial advisers to find out how.
#Superhero

We all like the idea of being a Superhero and having the ability to help those around us. We could give you the power to protect those you love through our life insurance plans. Find out more by speaking to one of our team of professional financial advisers.
#Superhero