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Are you on the best mortgage rate?

 
Are you on the best mortgage rate?When purchasing a property, a homeowner can opt for either a fixed rate mortgage or variable interest rate mortgage. Either of which will impact how much your mortgage payments will cost, alongside what the terms and conditions of your mortgage lender are. 
If you’re a first–time buyer or looking to move home, it can be overwhelming to get your head around the different payment plans of each mortgage. Here at Financial Foresight we can offer expert advice and guidance to help you decide on which mortgage rates are best suited to your personal needs.
1. Fixed Rate
Mortgages…

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Quote of the Day

 “If you can’t explain it simply, you don’t understand it well enough.” – Albert Einstein

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Buying a home – what do I need to know?

Buying a home – what do I need to know? 
Whether you live with family and friends or rent, owning your own home can be a big step – often the biggest purchase many make in their lifetimes, and a set goal which many save towards and strive for.
When considering your home purchase, there will be lots of different professionals involved – estate agents, surveyors, mortgage brokers, bankers and solicitors may be some of the people who you will deal with over the course of the purchase.
  It is easy to forget that all of these people will need paid, along…

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Quote of the Day 2

 “Don’t find customers for your products, find products for your customers.”
– Seth Godin, author and entrepreneur.

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Should I save or invest my money?

 Should I save or invest my money?
It’s always a sensible idea to think of your future finances, but the trouble for most people is deciding between whether to save their money or to invest it.
Saving typically involves putting money aside to pay for something specific, such as a house deposit, holiday or to have in the event of an emergency, like a car crash.
Savings are typically held in banks, building societies or even your personal piggy bank at home.
Investing on the other side is the process of buying stocks, property or shares in the hope that they will increase in value…

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Quote of the Day

 “Success is the ability to go from failure to failure without losing your enthusiasm.” – Winston Churchill

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Why Save into a Pension?

Why Save into a Pension?
Pensions might seem complicated, but the basic idea is a simple one. It’s worth understanding the benefits of saving into a pension scheme, because your State Pension – while providing a foundation – may not be enough to live on. Call into one of our branches today to receive expert pension advice!
Did you know?
The maximum State Pension is a lot less than the amount most people say they hope to retire on – for 2024/25 it’s just £221.20 per week. Millions of people aren’t saving nearly enough to give them the standard of living they hope…

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Quote of the day 2

“The first step is to take one” – Black & Reid (Stationary book)

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Tax Year Beginning

Tax year beginning.
The ISA Deadline for the tax year 2023/24 has ended, meaning there is no better time to begin planning for the tax year 2024/25.
What is an ISA?
ISA stands for Individual Saving Account; it is a savings account in which you can deposit up to £20,000 each year with no tax penalty on withdrawals or capital gains. Some ISA accounts also offer benefits to those saving for retirement or buying their first home.
Call us today on 028 9332 2822 for a coffee and an initial consultation, on us, to see if we can help you make your money work…

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Quote of the day

 “Whether you think you can or think you can’t, you are right” – Henry Ford

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