05 Jun Pensions: Public versus Private – nobody wins This article appeared in the Sun on Sunday on the 2nd of June 2013 Sometimes we hear how people in the public sector make more than th... Continue reading
2008: When banks independently all decided to make a similar decision This week five years ago is when independent mortgage advisors were in the middle of getting some harsh news, some lenders were pulling... Continue reading
Taxation of debt forgiveness – is it a liability in waiting? The writing-off of a debt, for example, by a bank, is not a disposal for Capital Gains Tax purposes. We have already queried this with ... Continue reading
State pensions – how they work and what’s available There are two State Pension Systems, the Social Insurance System and the Social Assistance System, so you should normally qualify under... Continue reading
What is ‘Permanent Health Insurance’? Permanent Health Insurance is an insurance which may be optional or required in relation to a housing loan. PHI can be arranged as an ... Continue reading
Mortgage Protection explained Housing loan lenders will usually insist on borrower's having a Mortgage Protection assurance policy as a form of collateral security.... Continue reading
Dear Banks, leave me alone… How to speak to them In the process of negotiating with banks many of our customers feel various things, like intimidation, fear, confusion and anger. In tr... Continue reading