Life after your Fixed Rate mortgage. Why plan ahead of your fixed rate ending?
Posted by JSCFinancial on Wednesday 14th of June 2023
Life after your Fixed Rate mortgage.
Why plan ahead of your fixed rate ending?
The earlier you plan your remortgage, the more mortgage options you have! And in the current economic climate, it really does pay to know your options. An expert adviser can find the deal for you.
If you’re due to remortgage in the next year or so, take a look at our handy list of does and don’ts that will help you plan ahead with confidence.
- DO give yourself time to weigh up your options. Leaving anything to the last minute can be incredibly stressful –...
Worried about mortgage lenders withdrawing their products and deals?
Posted by JSCFinancial on Wednesday 14th of June 2023
Worried about mortgage lenders withdrawing their products and deals?
The mortgage market is going through another unpredictable time with mortgage lenders withdrawing mortgage deals and increasing rates in a reaction to the recent news that inflation is slowing at a less- -than-expected rate.
Do you need to remortgage now?
If you’re due to remortgage now, don’t panic! The good news is that help is at hand.
Despite the recent withdrawal of some mortgage products and rates, we still have access to thousands of mortgage rates and can sear...
Regular Investing
Posted by JSCFinancial on Monday 5th of June 2023
5 ways saving little and often could help you grow your wealth
When it comes to investing your money, making small regular investments can provide more benefits than investing a lump sum. Through regular investing, you can invest a small amount into the markets every month. Investing little and often is a great habit to develop and instil in younger family members, too. Instead of saving up a chunk of money to invest in one lump sum, investing this way can make a significant difference to your overall levels of wealth over the longer ...
The Value of Investment Advice
Posted by JSCFinancial on Monday 5th of June 2023
The Value of Investment Advice
Let’s be honest. Seeking advice on how to look after your money may not be as fun as the immediate thrill of spending it, but it could be a rewarding decision in the long run.
Benefits of financial advice
If you’re interested in investing for the future, a carefully thought out financial plan can make a difference. You might think professional financial advice is only necessary when it comes to complex investments or pension planning or for those with lots of money. But even a seemingly straightforward...
The Importance of Reviewing Your Protection
Posted by JSCFinancial on Monday 5th of June 2023
Protection insurance is an essential part of life, providing a safety net in the event of unexpected events, such as accidents or illnesses.
If you do not review your protection cover on a regular basis, you could end up paying too much for a policy that no longer suits your needs or not having the cover you need for your circumstances.
It’s important to review your protection regularly to ensure that you have the coverage you need to protect yourself and your family at the most affordable rates.
There are many reasons as to why you might...
Is it time to check your contents insurance?
Posted by JSCFinancial on Monday 5th of June 2023
Is it time to check your contents insurance?
Whether you are looking to buy brand-new items or saving a little cash with pre-loved items, starting a family can be expensive.
There are the everyday costs, whether it is the cost of disposable nappies or the cost of running the washing machine for reusable nappies. Then there are the big-ticket items like prams, cots, and car seats.
With all the excitement of a new baby reviewing your contents insurance is probably the furthest thing from your mind. But all the new furniture, electrica...
Start of the tax year checklist
Posted by JSCFinancial on Thursday 6th of April 2023
The new tax year on 6 April 2023 is a great time to review your finances.
The new tax year means annual allowances are reset and ready to be reused – to help you make the most of your money. This year more than ever, with interest rates and inflation on the rise, it’s a great time to review your pensions and investments.
Note: The following figures apply to the 2023/2024 tax year, which starts on 6 April 2023 and ends on 5 April 2024.
ISAs
The maximum you can invest across your ISAs is £20,000 (if it’s a cash ISA, stocks and shares ISA or ...
3 important reasons for staying invested through market downturns
Posted by JSCFinancial on Wednesday 29th of March 2023
It’s been a difficult year for investors so far. Inflation and political uncertainty have led to market volatility.
Market volatility can be scary, especially if the value of your investments drops, but it’s important not to let fear guide your decision about whether to stay invested in your portfolio. Here are three reassuring reasons for staying invested in the stock market during uncertain times.
1. The best financial decisions are not based on emotion
Emotions can play a big role in your financial decision-making if you aren’t vig...
The Cost of Moving Home
Posted by JSCFinancial on Monday 20th of March 2023
Buying a home comes with extra costs and fees you need to be aware of – from securing your mortgage to booking the removal van.
Whether you’re a first-time buyer, downsizing or moving to your dream family home, it’s an exciting – and busy – time. It also comes with costs that could take you by surprise, so here’s a look at the ones you’re likely to come across and how we can help you through the journey.
Advice fee
We can help when you’re applying for your mortgage in principle, putting you in a strong position once an offer is accepted. ...
Finding Your First Home
Posted by JSCFinancial on Monday 20th of March 2023
Searching for your first home can be an overwhelming experience, but when it’s the biggest purchase of your life, you need to ensure that it’s right for you. There are so many things to consider, so to help you with one of the biggest decisions in your life, we have drawn up some helpful tips and guidance when finding your first home.
Start with an open mind
There is the danger of becoming too fixated on certain locations or certain properties. It’s important to be open when searching for your first home, ensuring that you’re considering a...
