The latest from Tim
How an Earlier Rise in the State Pension Age Could Affect You
Following a news report that the age at which people can claim their state pension could increase to 68 by the end of the 2030s, we explore how this earlier-than-expected…
Is it Better to Pay Off Your Mortgage or Save?
With savings rates finally paying some semblance of a decent return, deciding whether it’s better to pay off more of your mortgage or put your spare funds into a savings…
How Would a House Price Crash Affect You?
Sliding property values and wider economic woes have seen whispers of a house price crash in the UK start to grow. Here, we explore whether a correction in prices could…
Higher Mortgage Interest Rates: What Can You Do?
Mortgage interest rates have been rising and hundreds of deals have disappeared since the mini-budget. So what can existing mortgage borrowers and those hoping to get on the property ladder…
50 Year Mortgages: A Gamechanger for First-Time Buyers or Gimmick?
The government is exploring whether ultra-long, fixed-rate mortgages could make buying a first home more affordable, while a new lender is granted permission to offer 50-year fixed-rate mortgage deals. But…
Mini Budget 2022: How Will it and the Reversals Affect You?
The mini-budget 2022 turned out to be anything but small, and some policy reversals have since occured. Stamp duty cuts and National Insurance are now some of the last policies…
No Credit Check Loans: Can I Get One?
It’s unlikely that you’ll be able to get a loan with no credit check from a regulated lender, and the Financial Conduct Authority (FCA) has told lenders to stop advertising…
Can You Get a Bridging Loan With Bad Credit?
It might be possible to get a bridging loan with bad credit if you have a strong exit strategy for repaying the loan and can offer the lender the security…
A Guide to Bridging Loan Rates and Costs
Bridging loan costs can quickly stack up, with various fees being payable alongside the bridging loan rate that will determine your monthly repayments. To keep the cost of a bridging…
How Long Does it Take to Get a Bridging Loan?
Getting a bridging loan can take between 72 hours and two weeks to complete, or perhaps even longer. It is rare, but some bridging loans can be arranged in just…
Bridging Loan Criteria: Are You Eligible for Bridging Finance?
Each lender will have its own individual bridging loan eligibility criteria and requirements that must be met if you’re to successfully apply for bridging finance. The security you’re offering and…
Are Bridging Loans Regulated?
Bridging loans can be regulated or unregulated, depending on the type of property you need the loan for. A regulated bridging loan is required if you’re borrowing against a residential…
Alternatives to Bridging Loans
There are a few alternatives to bridging loans that might bridge the gap between buying and selling a property, or act as a stopgap to fund other projects. What you…
Does Life Insurance Cover Funeral Costs?
Taking out life insurance to cover funeral costs could help make life a little easier for loved ones at a difficult time. By making sure your beneficiaries receive a life…
Do I Need Life Insurance?
Taking out life insurance can reassure you that your loved ones will be looked after financially if you die during the policy term. Payouts might cover your mortgage or make…