The ‘bank of mum and dad’. A free loan from your parents to help you buy a house or some other major financial outlay? Not so apparently. According to some new research, in many cases there’s no such thing as a free lunch, son. More than a quarter of parents in Britain say they would …Read More

There has been a lot of publicity surrounding an insurer apparently refusing to pay out on a critical illness policy because a poor chap suffered a cardiac arrest and not a heart attack. Without getting in to the ins and outs of this particular case, it does illustrate the importance of knowing what you are …Read More

Comparison websites for insurance – we’ve all seen them. Often backed by expensive advertising campaigns, like the annoying opera singer or the cute meerkats, they have grown in popularity massively in recent years. Indeed, research says 85% of consumers who can access the internet have used a comparison website at least once. But there is …Read More

One of the major criticisms and indeed concerns about critical illness insurance has always been the limitations on which medical conditions the policies cover and what level of payout they will pay, depending on the illness. Legal and General seems to be responding to these concerns by launching Critical Illness Extra, a new option which …Read More

Three quarters of millennial parents (born in the eighties and early nineties), don’t have any life cover, it is estimated. That means young parents in their twenties and thirties are bringing up children without any form of insurance protection in case anything goes wrong. It’s hardly surprising, given that it is also estimated that only …Read More

I was asked the other day how much it would cost to sit down and talk through some mortgage and insurance concerns. The person was quite taken aback when I answered that a consultation with me was absolutely free and they went on to ask ‘what’s the catch?’ Well, there isn’t a catch and no, …Read More

For most of us, being in a position to pay our mortgage every month is an achievement in itself. But at some point there may come a time when you can make that payment easily and could afford a little more. After all, mortgage rates are pretty low at the moment, making mortgages as affordable …Read More

There’s a lot of noise at the moment about credit scores and what to do if yours is low. It’s understandable, as a poor credit score can seriously damage your chances of getting a mortgage, taking out a credit card or buying a car through financing. In short, a credit score is a rating people, …Read More

Not so very many years ago, if you took out a mortgage, chances are it was for 25 years. Who knows why that figure was first chosen, but 25 years was “the norm”. Now, all that has changed and in the last decade or so, mortgage periods have grown and it has become common to …Read More

I’ve been sharing my top tips on sorting out your insurance. Just in case you missed them, here’s my six best pieces of advice in one shot! Insurance can be complicated and it’s easy to get the wrong policy. If you need insurance, whether its life insurance, income protection, critical illness insurance, or insurance for …Read More