Your Retirement Options and Pensions Freedom

On 6 April 2015 new pension rules came into force, giving you much greater flexibility over how you use your money purchase pension savings and the options you have in retirement.

What is a Personal Pension?

Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.

The Value of Retirement Planning

We all know it’s important to plan for retirement, but many of us are still not planning well enough. Despite all the media headlines and Government initiatives, many of us still have a ‘tomorrow will do’ attitude. This is worrying for one simple reason – we are going to live longer than most of us think. This article explains further.

Pensions & Divorce

With pensions being most people’s second-largest asset, they can become a major consideration in any divorce settlement.

Income Drawdown

Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide. However, it’s unlikely that they will continue to account for as high a proportion of retirement income products as they have in the past. This document will explain further.

Self Build Mortgages

The main difference between a self build mortgage and a house purchase mortgage is that with a self build mortgage money is released in stages as the build progresses rather than as a single amount. This short guide explains further.

Remortgages

Remortgaging means switching your mortgage to another deal with another lender without moving property.

Flexible Mortgages

A flexible mortgage is a product that can make the traditional British mortgage with its fixed and inflexible payment schedule over a fixed term, such as 25 years, look like a bit of a dinosaur. This short guide explains why a flexible arrangement may benefit you.

First Time Buyers

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.

Equity Release

Sometimes people want to release equity in their homes because they need cash for a particular purpose. This short guide looks at how certain types of mortgage will allow you to do exactly this.