It’s Movember, are you protected?

It’s Movember, are you protected? It’s November already and it seems as if we Brits have entered autopilot preparing for the chaos that December brings in the run up to Christmas. But November is a big month for men as many attempt to grow moustaches on their upper lip reminiscent of the 80’s in order…

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Are you aware of the HMO changes?

Are you aware of the HMO changes? Houses of Multiple Occupancy are often lucrative ventures for British landlords. They can have the potential to bring in yields that can’t be matched by standard buy-to-lets. But you may already be aware that since October 1st new rules and regulations have effected HMOs, as well as property…

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The revival of the prefabricated home

What we associate with prefabricated homes has come a long way in recent years. Previously thought of as cheap post war buildings, they were built en-mas lacking character and individuality. Yet modern day prefabricated homes are now recognised for their unique and modern design, energy efficiency and advanced technology. Prefabricated homes are becoming widely accessible…

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Does the millennial generation still plan homeownership?

Despite prevailing assumptions about homeownership, three quarters of millennials from around the world still intend to buy their first home in the next five years. A study of over 100,000 young people from nine different countries revealed that millennials still have a generally positive attitude towards buying a home, even in the face of high…

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Remortgaging a big hit in 2017

Low interest rates coupled with the possibility to reducing monthly mortgage repayments has prompted a remortgage surge in early 2017. Activity climbed to represent 21% of the total valuations market in March, from 15% year-on-year. These figures also show that March remortgage activity was at its highest level for five years. A good start to…

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Dropping in on the Spencers

After being introduced at the start of 2017, AIG’s Spencer Family has been helping advisers show clients real-life protection scenarios. The fictional family spans four generations and has already been used to show how the different types of protection can help a diverse range of people and circumstances. Not only has it helped advisers explain…

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How to prepare for April’s tax changes

As one of the Government’s more impactful alterations to the buy to let sector, April’s changes to tax relief for landlords will affect a number people after its inception. To be phased in over the next four tax years, the changes will mean a reduction of buy to let mortgage interest tax relief to 20%…

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Supporting the Self-Employed Revolution

New figures suggest that Britain is on the cusp of a self-employed “revolution”. According to a new report from lender Aldermore, just over four million British workers will become selfemployed at some point in the future. One in ten also intend to make the transition in the next six months, but a quarter said they…

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What protection do first-time buyers need?

When first-time buyers are taking their opening steps into homeownership, protection may not be at the top of their mind. But discussing cover with an adviser is an important step in the mortgage process. This is the ideal time to ensure all possible circumstances are covered, to protect against worst-case scenarios. Essential cover Some protection…

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Could you be saving money on your mortgage?

If your mortgage is on a standard variable rate then you may be missing out on an opportunity to save money on your mortgage payments. So why not shop around for your mortgage as you would with your other monthly outgoings, it might even be the biggest saving you make. Data from Virgin Money has…

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