Mortgage, Equity Release, and Protection news from your Solihull-based financial advisers and planners.
Do you own a house that is sitting empty? Whether it's awaiting sale, between tenants, undergoing renovation, or simply sitting vacant during probate… this is something we should talk about. Unoccupied properties are one of the fastest-growing areas of risk we're seeing right now. Many owners don't realise they may already have a gap [...]
Your mortgage questions answered: A friendly guide from your mortgage broker, in plain English. How much can I realistically borrow? Lenders typically offer 4–4.5x your annual income, but it's more nuanced than that. They'll look at your outgoings, debts, credit history, and income type. I'll do a thorough affordability assessment, so we know what's achievable [...]
The UK housing market is showing some fascinating twists as we move into 2026, with certain towns and regions standing out as real hotspots. While national prices aren’t skyrocketing, Rightmove’s latest figures reveal where buyers are snapping up homes fastest, and where your money might go further. Across the country, affordability is driving demand. [...]
In the UK, the connection between your health insurance and hospital choice depends heavily on whether you’re using the NHS, private insurance, or a mix. Here’s a clear breakdown: Private Health Insurance Coverage Insurance dictates which hospitals you can use: Most UK private health insurance plans cover treatment only at hospitals on the insurer’s [...]
The UK insurance market continues to evolve, shaped by technology, climate pressures and regulatory changes. While the fundamentals of protection haven’t changed, how insurers price and deliver cover for your home, car, business, and family are evolving quickly. Let’s dive in! More Personalised Pricing: Insurers continue to refine usage-based, data-driven pricing, particularly in car [...]
Have you heard of Later Life Lending? Also known as a lifetime mortgage, this product is designed for over-55s who need to free up cash from their property. The number one advantage is that you can stay in your own home but afford renovations, say for mobility, or take that dream holiday now you’ve [...]
Did you know that financial protection matters just as much as early detection of critical illness? It’s a shocking fact, but we see it all the time. We all know getting regular health checkups is important. A diagnosis like cancer or heart disease can turn your world upside down, but it doesn’t have to [...]
It’s a busy time for changes in the mortgage world. Are you up to date? We are seeing lots of exciting advancements for you! From help securing that first mortgage to those who are ready to remortgage this year. But don’t forget, professional advice is essential to get the most out of your policy. [...]
In the UK, most private health insurance policies renew annually, usually on the anniversary of your cover’s start date. But renewal isn’t just a formality. It’s a key opportunity to check that your policy still suits your needs, budget, and lifestyle. Do you need help with a review? Hit reply to this email, and [...]
You might have heard of equity release, but did you know it’s a practical and increasingly common way for parents or grandparents to help a first-time buyer get onto the property ladder? Particularly where savings alone aren’t enough. Which, in this market, is more and more likely. How does it work? Equity release allows [...]
