We’re regularly asked the following questions and thought it may help you to know that we can assist you in navigating and preparing for life’s changes:
The main effect would be on the rate of interest you pay on your mortgage, if you are on a variable rate or your fixed rate is coming to an end. As we’ve all been warned that interest rates will rise before the end of the year, there is still time to get in touch with us, and see if there is a fixed rate mortgage deal to suit you.
You’ll be pleased to know that there are simple, affordable solutions to ensure that your bills would be covered and your family would be left financially secure, if you were to fall ill or worse. It is always better to get this cover in place as soon as possible as the younger and healthier you are, the less the cost will be for the duration of the policy.
That’s right, it can often be the case that the charges are higher on older contracts but you do need to be aware that some older pension plans can also include valuable benefits, such as a guaranteed annuity rates or a higher level of tax free cash at retirement. So basically, it pays to know what you already have and how much it’s costing you, before doing anything. Our team can easily find out what type of pension plans you have and the benefits and charges of each.