Opportunity: If you are in a position to switch your mortgage there are significant savings to be made. Should you be on a variable rate (as opposed to a tracker or fixed rate) and your loan to value has fallen below 80%, due to increases in property prices and a reduction in the amount borrowed, then the […]Read More
Given that the European Central Bank base rate continues to remain at 0.0%, returns from bank deposit accounts are now at an all-time low. This trend is likely to continue for the foreseeable future meaning the real value of your savings held on deposit is gradually being eroded. Due to the risks and uncertainty in […]Read More
‘In this world nothing can be said to be certain, except death and taxes.’ Benjamin Franklin (1706-90).
Looking to Reduce your Tax Bill? Act Now. We are now entering that phase of the year when our personal taxes are paid. We have two significant tax deadlines approaching. If you are self-employed, you will have your preliminary tax bill and if you are an employee, you have the opportunity to effect an AVC […]Read More
What are Additional Voluntary Contributions? Additional Voluntary Contributions or AVC’s are extra savings that you can make towards your pension Top 4 reasons to make AVCs 1) Enhance your retirement benefits Increase your expected tax-free lump sum at retirement. This is potentially 25% of your retirement fund, if you are a member of DC company […]Read More
As part of our financial service, we wish to ensure that your records with us are accurate. There may be savings if you are no longer regarded as a “smoker”. A strict definition of what a non-smoker is applies. If you qualify, you can significantly reduce the monthly cost of your Mortgage Protection, Life Assurance […]Read More
Markets have performed extremely well over the last 8 years. The longer the market run lasted, the greater the probability that a correction would occur. In that context, while not necessarily welcome, such a correction was anticipated. In this article we discuss what has recently happened and what actions are recommended. In summary, what is […]Read More