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EPC changes: What Do Landlords Need To Understand?

landlord with her property covered by an EPC

The Government recently announced changes to Energy Performance Certificate (EPC) regulations. The decision to remove the deadlines has raised questions about its future impact and the influence this has on landlords.

EPC regulation changes

EPC regulations require landlords to obtain an EPC rating when selling or renting a property.
The certificate rates a property from most efficient to least efficient, in the aim of guiding potential buyers and renters on the potential costs and overall energy efficiency of the property.

Despite the changes, properties still require an EPC rating although there is no longer a requirement for new tenancies to have a rating of C or above.

What does it mean for landlords?

Following the proposal reversal, landlords are no longer legally required to take any further action to improve their energy efficiency rating across their portfolio.

The Government is still recommending upgrades where possible, in support of its Net Zero target, however these remain recommendations until further notice.

It’s important to consider the demands of the market, with opportunities available to create a suitable property for tenants who want a more energy-efficient home.

Staying informed and prepared

While the discussions regarding EPC regulations continue, it’s essential for you to stay informed and prepare for potential changes. Consider reviewing your properties for energy-efficient opportunities, making improvements where feasible. This could be an excellent selling point to attract eco-conscious tenants.

Stay updated on any changes in regulations, as they may impact your obligations and opportunities. Be prepared for potential market shifts.

A general election could see EPC regulations make a potential return, so keeping your energy efficiency at a high level could set you apart in a competitive rental market.

For more information, contact us now and we can support you and discuss the options available to you.

smart meter can assist with increasing EPC rating

High Inflation: How Does It Affect Me?

As inflation remains high, it’s the perfect time to take a closer look at how it could impact you. Whether you are behind on payments, looking to stretch your finances or coming to the end of your mortgage term, there are options available to help you.

What is inflation?

Put simply, inflation is the increase in price over time, acting as a measure of value of a currency. Tracked by several indicators, such as the Consumer Price Index (CPI) which tracks the average cost of everyday items, inflation is well above the Bank of England target of 2%, a target which has been in place since 2012.
Soaring food and energy bills have driven inflation, with oil and gas demand increasing as a result of Covid and the war between Ukraine and Russia.

How does it affect me and my mortgage?

To combat high inflation, the Bank of England raise interest rates to encourage saving. This makes borrowing more expensive and higher monthly payments for those with mortgages.

If you are on a variable rate mortgage, this level of inflation and high interest rates will be increasing your monthly payments, with your cash no longer stretching as far as it previously had. However, many homeowners are on fixed-rate mortgages.

As a result, monthly payments will not change for the duration of that mortgage product.

Is your fixed-rate mortgage product coming to an end?

It’s important to remain cautious around interest rates, even if they do start to come down. Variations in rates can make it hard to navigate the complexities of the mortgage market. It’s important that you start planning your mortgage options at least six months before the end of the fixed rate period.

Consulting with your mortgage adviser to determine which option suits your current financial goals and circumstances, can enable you to make informed decisions during these challenging times.

For more information, contact us and wecan support you and discuss the options available to you.

How to save money this winter

Following the new energy price cap setting, the amount suppliers can charge customers this winter will reduce, however, your bills may not change over the winter months. However, with the cost of living continuing to stay high there are other ways you may be able to save money this winter. To help you start the new year off right, here are some tips to help you save.

Keep it warm-ish…

Whether you are renting or have your own home, most of the energy we use goes on heating, especially during the winter months. Turning your thermostat down by one degree and switching your heating off when the house is empty, could help you save around £125 per year.

However, it is important to keep your home warm with a recommended room temperature of at least 18C. If you are older, disabled or ill, you may require a warmer temperature. If your house is too cold it could encourage damp and mould, which could lead to respiratory illnesses, infections or allergies.

Winter Showers -The warm kind!

Installing a water-efficient showerhead or reducing the length of showers to four minutes could help you save around £130 per year.

Some water suppliers have a variety of free resources to help you save water, so it’s worth taking a look to see if your water supplier can support you.

Check your Radiators

Radiators are another way you can save money, if used correctly. Turning down radiator valves in rooms you may use the least, could help you save £50 per year. Keeping doors closed will also help trap the heat in the room, allowing you to reduce the radiator temperature.

Lose the draughts and damp

Another effective method in helping you save money, is through draught-proofing doors, windows, floors and chimneys. This method is one of the cheapest and most effective ways to save energy and could help you save up to £155 per year.

Consider installing draft-proofing strips around doors and windows, a letter-box cover, sealant to close floorboard and skirting board gaps and a chimney draft excluder on unused chimneys.

When making these changes, do not block extractor fans, wall vents and airbricks, typically found in your kitchen and bathroom, as these are necessary for ventilation.

It is important to note that savings will vary for different households, and there may be refinancing options available for large scale changes.

If you want to look at your refinancing options to support energy efficiancy, contact us and we can support you and discuss the options available to you.

Life Insurance: The gift that keeps on giving

family enjoying christmas thinking about life insurance as a gift

There is no better feeling than giving your loved ones a gift, especially over the festive season. Is there any greater gift than protecting your family’s future? Why not put a little extra thought into your gifts this year and give you and your loved ones peace of mind?

The gift that keeps giving

All year we work hard to provide our loved ones with everything they need; a roof over their head, food on the table and all the little things throughout the year.

Life insurance ensures that you can still contribute to the lives of those you love, should the worst happen to you. Life insurance is important to you because your family is important to you.
Spending your hard-earned money on life insurance might not be as exciting, but it could prove to be valuable in the future.

Whether it is replacing lost income, securing your child’s education or making sure your partner is supported, life insurance plans can offer an essential lifeline when needed most.

How much will it cost me?

Life insurance plans are based on a variety of criteria including lifestyle, health, age and the amount you want to cover. These policies often require regular premium payments over an extended period of time, as life insurance is a long-term commitment.

According to the website iaminsured, the average cost is around £38 per month with
some plans starting from as little as £5 per month. This is a small price to pay which allows your family and loved ones to have financial security for the future.

Preparing for the future

If you have a partner or children, life insurance can provide you with the peace of mind that they will be able to cope financially without you. Think of it as a way to prepare for the future and the unexpected possibilities that might happen.

So, whether you have planned ahead or are still thinking of what to get your loved ones this year, don’t be a scrooge, take a moment to consider giving yourself and those you love a gift to show how much you care.

For more information, contact us now and we can discuss the options available to you.

Mum and child enjoying comfortable hugs

Home improvements: An insight into loft, garage and cellar conversions

Garage, loft, and cellar conversions are popular home improvement projects that can significantly enhance a property’s value. These transformations not only maximise the existing space but also satisfy the ever-growing demand for multi-purpose living areas.

Increased Living Space

One of the most apparent benefits of these conversions is the addition of valuable living space. With property prices high, making the most of every square foot is essential. Converting garages, lofts, or cellars into usable spaces, such as bedrooms, home offices, or entertainment areas, can significantly boost a property’s appeal and value.

Adaptability to Changing Needs

As families grow or lifestyles change, the demand for adaptable living space becomes crucial. Conversions
offer flexibility to create rooms tailored to the homeowner’s specific requirements. A loft turned into an extra bedroom, or a cellar transform

Energy Efficiency

Many garage, loft, and cellar conversions involve upgrading insulation and implementing energy-efficient features, aligning with the increasing focus on sustainable housing.
Homebuyers are often drawn to properties with lower running costs, making energy-efficient conversions more appealing and potentially increasing the property’s overall value, as well as improving the EPC rating.

Enhanced Aesthetics and Functionality

Conversions offer the opportunity to create bespoke spaces with unique designs and features. A well-designed conversion can elevate a property’s aesthetics and functionality, making it stand out in the competitive housing market.

In prime urban areas, where space is at a premium, a well-executed conversion can be a key selling point, leading to higher demand and increased house value. There are a variety of ways you can fund these projects, with remortgaging being just one of these options.

How to set about funding the project

There are a few ways to use the capital within your home, but each option has its specific pro’s and con’s. A lot will depend on how long you have had your current mortgage deal, and how close you are to renewing your fixed rate, but we look at all options when we discuss cases for home improvements.

If you’d like to discuss the options available to you, contact us today!

Smoking: Why you need Critical Illness Cover

Throughout the years there have been multiple facts and figures published, highlighting the impact of smoking on your health. It’s no secret that your smoking status will significantly influence your chances of suffering from certain conditions, which is why critical illness cover (CIC) is so important.

Is CIC worth it?

Smoking can increase the risk of suffering from cancers, heart attacks, strokes, heart diseases and more. Critical Illness Cover is designed to pay a lump sum if you get a serious illness, injury or can’t work.
Many CIC policies are partnered with life insurance, however you are able to get separate cover allowing you to decide how much cover you need and for how long.

Consider getting CIC if you and your family heavily depend on your income, you don’t have enough savings to cover you should you become seriously ill or disabled, or you don’t have an employee package to cover time off work. You may not need CIC if you have no financial commitments or have a partner who can cover living costs and commitments, should you become seriously ill.

How does it work?

You will typically be asked to complete a health questionnaire during the application process, alongside a review of your medical records.

It’s essential to state all existing health conditions when you apply. These details will then be considered to determine how much you need to pay.

Once active, you can make one claim if you’re diagnosed with a specific illness. This tax-free lump sum can be used for anything you like, whether you want to pay off the mortgage, cover lost income or health-related costs.

What should I watch out for?

There are scenarios where a policy won’t pay out at all. Most policies will exclude claims where an illness is a result of self-harm, alcohol and/or drug abuse or taking part in extreme sports.

Time limits may also be in place, such as not being able to claim within the first 90 days or if you die within a month of being diagnosed with a critical illness.

If you want to know more or find the best deal, contact us to take you through the details of the policies available and help you choose the right one.

Could falling fixed rates help prospective buyers?

In July, both two and five-year fixed-rate deals dropped by 0.02% for the first time since May. Although the forecast for further changes is uncertain, the initial drop in rates is promising and could lead to a more favourable environment to help prospective buyers if rates continue to fall in 2023.

How does this impact me?

Despite a small fall in rates, it’s a promising sign for the future with further rates potentially falling. With reduced borrowing costs, the barriers to homeownership diminish, allowing aspiring buyers to afford a home loan and lock in lower monthly mortgage payments.

Falling rates can also be advantageous for existing homeowners looking to upgrade to a more desirable property. Current homeowners are able to sell their homes more easily, as potential buyers look to enter the market with affordable financing.

The main benefit of lower rates is the opportunity to refinance existing mortgages. If you’re on a fixed-rate mortgage, you may choose to refinance your loan and secure a cheaper rate to reduce monthly payments or shorten the term. Despite the current rates falling by only a small amount, the results can be significant with an increase to long-term savings and financial flexibility.

However, it is important to speak with your adviser before making any decision, as it may be that to exit your current fixed rate product incurs Early Repayment Charges (ERCs) which would make switching not worth it.

Approach with caution

Being cautious around interest rates, even if they come down further, is crucial. If interest rates are on a downward trend they can shoot back up again without warning, especially during a period of economic instability.

Homeowners could continue to face higher monthly repayments until we see a significant decline in interest rates, continuing to limit the ability to save or invest in other areas.

Fluctuations in rates could lead to uncertainty for both current and potential mortgage holders. To navigate the complexities of the mortgage market, you should remain cautious, seeking professional financial advice. A thorough understanding of how the interest rates impact mortgages will allow you to make informed decisions during changing economic conditions.

For more information, contact us and we can support you and discuss the options available to you.

Using life insurance to keep you healthy.

New research highlights an ‘alarming link’ between the rising costs of living and declining health across the UK population. The protection industry can have a positive influence, providing the tools to help you manage your health in 2023.

Cost-of-living pressure

The cost-of-living pressure could trigger a global health crisis, with the current economic environment having a considerable impact on the health and wellbeing of the nation. Reports found that 45% of UK adults believe it has become too expensive to stay healthy, with 12% experiencing increased medical expenses. Research also found that 73% of 16–24-year-olds are stressed about the rising cost of staying healthy.

Protection: How it can keep you healthy

Most comprehensive protection plans can help you and your family stay healthy, despite cost-of-living pressure. Most insurance providers throughout the UK offer a variety of services, from nutrition to fitness and everything in between, helping to achieve a healthier lifestyle and reduce the risk of illness.

Additional added-value benefits, such as second medical opinions, health checks and gym membership
discounts, can keep you healthy throughout the current economic crisis.

Protection plans can also improve your mental health, so it’s crucial to make the most of the support available to you. Many people don’t utilise their cover, so it’s worth checking the added-value benefits available to you whether you already have a plan or if you are looking for one.

Time to take action

It’s never too late to protect you and your family. The earlier you start looking at the options available to you, the sooner you can work towards building a healthy lifestyle and fight back against the cost-of-living. There’s nothing more important than your physical and mental health, so what are you waiting for?

For more information, contact us so we can support you and discuss the options available to you.

IVA: The serious impact on your credit report.

While an IVA can provide much-needed debt relief and help avoid bankruptcy, it can have a significant impact on your credit file. It’s important to understand the impact it may have on you.

What is an IVA?

An Individual Voluntary Arrangement (IVA) is a legally binding agreement between an individual and their creditors. It is a formal bankruptcy solution, allowing you to repay debts over a fixed period of time.

When entering into an IVA, it is recorded on your credit file by credit reference agencies. This means that lenders and other financial institutions will be able to see that you’re on an IVA when conducting a credit check. The IVA will be listed on your credit file for a period of six years, even if the IVA itself is completed sooner.

How can it impact me?

The presence of an IVA is likely to make it more difficult to obtain credit during the term of the IVA and for some time afterwards. Lenders may view you as a higher risk borrower due to the history of financial difficulty and, as a result, may be less willing to extend credit or offer favourable terms.

It’s important to note that an IVA is considered a serious form of insolvency and is therefore a red flag to lenders. The exact impact on the credit score will vary depending on individual circumstances and the credit scoring model used by each credit reference agency.

However, the impact of an IVA on your credit is not permanent. Once the IVA is completed and all obligations are fulfilled, it will be marked as satisfied on the credit file. While the IVA will still be visible for the six-year period, its impact may reduce over time as you demonstrate responsible financial behaviour.

Further considerations

Having an IVA may also affect any future income or assets. For example, if you move house during an IVA, any money you make as profit from the sale of your property might have to be paid into the IVA.

If your income goes up while you have an IVA, you have to declare it to your insolvency consultant.

We offer a free credit report appraisal service with no obligation HERE and are happy to carry out a full financial appraisal if you are thinking about taking an IVA. Contact us for a free, no obligation and confidential chat about your situation.

Focus on Equity release: Lifetime mortgages

Equity release has become increasingly popular in recent years. It allows homeowners, aged 55 and older, to access the equity tied up in their property without having to sell it. This can be done in several ways, but the most common ones are through a lifetime mortgage or a home reversion plan.

What’s the difference?

A lifetime mortgage is a loan secured against your home that allows you to borrow a lump sum or receive regular payments. The loan is repaid from the sale of your property when you pass away or move into long-term care.

On the other hand, a home reversion plan involves selling a portion of your property in exchange for a lump sum or regular payments, while retaining the right to live in your home rent-free for the rest of your life. Although our advisers are unable to advise on home reversion plans, they are there to support you on lifetime mortgages.

How will it impact my family?

While lifetime mortgages can provide a welcome source of income for retirees, who may have limited pension savings, it is important to consider its impact on your family. Here are some things to keep in mind:

  • Inheritance : Lifetime mortgages can reduce the amount of inheritance you can leave to your loved ones. This is because the lifetime mortgage will need to be repaid from the sale of your property, which may leave less money for your beneficiaries.
  • No need to relocate: You can stay in your home while still accessing the equity tied up in the property. This means you don’t need to downsize or move to a different location to release cash.
  • Financial support to family: Lifetime mortgages can enable you to provide financial support to your family, whether it’s helping with university fees, paying for a wedding or gifting a deposit for a house purchase.

Lifetime mortgages can be a useful tool for extra income, but it may not be right for everyone. It may affect your entitlement to state benefits and may reduce the value of your property. For more information, contact us here adviser who can support you and provide the best outcome for your situation.

Property Chain: Reducing the impact it has on you

Buying and selling property can be a complex and stressful process. One of the most challenging parts of buying or selling a property is the property chain. A property chain is where a group of home buyers and sellers are dependent on one another when purchasing a house – for example the owner(s) of the house you want to buy might need to find a house to buy themselves. It’s important to understand the challenges within a property chain, helping prepare yourself to reduce the risks.

Understanding the property chain

The property chain can cause a lot of issues for buyers and sellers, and it is essential to understand these issues in order to navigate the buying and selling process successfully.

One of the most significant issues with a property chain is that it can cause delays. If one person encounters a problem, such as a surveyor finding an issue with a property, it can cause a domino effect that delays the entire chain.

Another issue with a property chain is that it can be fragile. If one person pulls out of the chain, it can cause the entire chain to collapse, which can be incredibly frustrating for everyone involved. This can be especially problematic if you are close to completing the purchase of your new home and have already made plans to move in.

What can I do to reduce the impact?

Fortunately, there are several things that you can do to reduce the impact if these issues arise. Firstly, it is important to work with an experienced mortgage adviser who can help you navigate
the buying and selling process. Providing you with guidance on how to reduce the risk of delays and help you find properties less likely to be involved in a long chain.

Another thing that you can do is to be as prepared as possible. Having your mortgage in place, and all of your paperwork ready to go can help to speed up the buying process and reduce the risk of delays.

Good communication between all parties is also a must and helps to reduce the risk of misunderstanding.

The property chain is a necessary part of the buying and selling process, but it can be complex and cause a lot of issues. By doing all you can to prepare as much as possible using the tips above can help make the buying and selling process as smooth as possible.

How can Mortgages 4 U Help?

At Mortgages 4 U, we don’t just arrange your mortgage. We will follow each case through until you get the keys. That means we will keep tabs on the agents, solicitors and lender all to de-mystify the process, pushing things along all the way through and trying to explain what is happening in language you can understand.

We can also arrange solicitors, insurance, surveys and all the bells and whistles along the way to make sure you are looked after all the way through the process. Contact us HERE for more information on how we can help

Base rate rise: How does it affect my mortgage?

In May 2023, the Bank of England announced an increase to its base rate by 0.25%, rising to 4.5% in the latest rise since December 2021. Inevitably, this will affect everyone throughout the UK. So what does it mean and how does it affect your mortgage?

What does this mean?

Approximately 2.2 million people in the UK are on variable rate mortgages, either on a base rate tracker, discounted-rate deal or a standard variable rate (SVR). For those on a tracker, directly following the base rate, payments will soon reflect the full rise. SVR’s change at the lender’s discretion, although most will go up.

Over 6 million mortgages are on fixed-rate loans. For those on a fixed-rate mortgage, the base rate increase won’t affect their deals until they come to the end of their product term.
For some that might be in a few years’ time, for others this could be in the coming months or weeks.

How will it affect my mortgage?

We are well into 2023 and as the squeeze on cost-of-living continues, it may seem like your finances are restricted. If you are one of the 6 million UK homeowners on a fixed-rate mortgage, you won’t have to consider a change until the end of your deal so there is plenty of time to plan ahead. The base rate rise could lead to everyday items becoming cheaper, helping you save a few pennies.

What about new mortgages?

It’s been a challenge for many searching for new fixed-rate mortgages, whether for their first property or replacing a deal. Despite lenders gradually reducing the cost of their fixed-rates, there are best-buy deals available that are cheaper. You may be tempted to wait for rates to fall, but trying to predict interest rates could cause problems.

House prices fall: Is it the right time to buy?

Knowing when to buy a house can be challenging, especially during a cost-of-living crisis. Although household budgets remain under pressure from high inflation, confidence is returning to the property market as house prices fell 3.1% on an annual basis in March.

Falling house prices

March 2023 registered the biggest fall since July 2009, with the average house price in the UK now £257,122. With house prices falling, underlying factors such as the UK’s current issue of building new homes are preventing large price falls.

Although prices have started to fall, average house prices remain high and affordability will continue to feel challenging for many buyers.

When should I buy?

Buying a house is a major investment decision that requires careful consideration and planning. You may be wondering when the right time to buy a house is, particularly in light of the current economic environment. Sellers are becoming more realistic and open to negotiation, having to compromise in order to sell their property.

So, when is the right time to buy? Unfortunately, there is no easy answer, as it will depend on a range of factors, including your personal circumstances and financial situation. It’s best to keep an eye on economic conditions.

If interest rates are expected to rise, it may be beneficial to act quickly and secure a fixed rate mortgage. However, if interest rates are expected to fall, a variable rate mortgage could be cheaper in the short term.

Here to help

Whether you’re a first-time buyer, looking to refinance, or are unclear of your options, our advisers are here to help you find the best deal. Grab us HERE

1st time landlords : Be part of the next generation

Around 140,000 landlords retired in 2022, predominantly these were older investors, who were part of the early buy-to-let mortgages launched in 1996. They leave behind a gap which is at risk of not being filled. What does this mean for the next generation of landlords?

Currently, there are around one million landlords above the age of 65, with an average of 96,000 landlords turning 65 each year in the UK. With many retiring, there is an opportunity for new landlords to enter the buy-to-let market.

Being a first-time landlord in the UK can seem like a daunting task, but there are many positives to owning a rental property:

  1. Steady Income Stream
    As a landlord, you’ll receive monthly rental income from your tenants, which can provide you with a reliable source of income. This income can be
    particularly helpful if you’re looking to supplement your primary income or build wealth over time.
  2. Property Appreciation
    Property values have been steadily increasing in recent years, and this trend is expected to continue. As a landlord, you’ll be able to benefit by potentially selling your property for a profit down the line. Additionally, property appreciation can increase the value of your rental property and allow you to charge higher rent prices.
  3. Control over your Investment
    Owning a rental property can give you more control over your investment compared to other options, such as stocks or bonds. You can make decisions about how to manage your property, including setting rent prices, selecting tenants, and developing the property.

From generating a steady income stream to enjoying potential property appreciation, owning a rental property can be a smart investment decision.

If you are in a strong financial position to afford or consider entering the buy-to-let market, becoming a landlord could be a successful investment to make.

However, there are risks involved and it’s important to understand the challenges you may face.

For information on Buy to Let Mortgages, head over to our Buy to Let page for more information, or contact us here

Life Cover: Plan for the future NOW

Life is unpredictable, but preparing for the unexpected can provide peace of mind and financial security for you and your loved ones. Whether you are considering life cover or re-evaluating your finances, it’s always important to plan for the future.

Cost-of-living pressure

With inflation remaining high, and continuing to affect household budgets, dealing with price rises could be difficult especially for those on fixed incomes.
While not all types of insurance are indispensable, it’s important to think carefully and consider your future financial security.

Why is life insurance important?

If you were to have no life insurance in place what position could this leave
your family in, should the unthinkable happen? It’s more important than ever to have protection. The policy pay out can cover expenses such as funeral costs, outstanding debts and can provide ongoing financial support for dependants, after the loss of a primary income earner.

Always plan for the future

Planning for the future goes beyond life cover. It requires long-term goals and taking the right steps to achieve them. By taking steps to prepare for the unexpected you can provide financial security for you and your loved ones, giving peace of mind knowing those closest to you will be taken care of if you’re not there to provide for them.

Although it may be challenging to afford insurance, with the uncertainties of life, it’s always important to plan ahead and provide a safety net. It’s essential to act now, if you are able to, as you could face higher premiums when starting a life policy at a later date.

Advisers are there to provide guidance on the most suitable protection plans for you. Updating your life cover to reflect changes in circumstances will also give you the most appropriate level of cover.

To get in touch with us to review or discuss your protection needs, contact us here and an adviser will call you back as soon as possible

Income: Your most valuable asset

lady arranging income protection

Income is undoubtedly your most valuable asset, and protecting it is crucial for both present and future financial security. It’s the source of paying for daily expenses, investing for the future, and building a secure financial foundation.

The importance of income protection

Income protection is vital for future financial security. Unpredictable events such as illness, disability, or unexpected accidents can happen at any time and without income protection, they can significantly impact your financial situation. Income protection helps ensure that you can meet financial obligations and maintain your lifestyle, even in the absence of a regular income source.
Income protection insurance provides a regular income stream in case of unexpected
events that lead to a loss of income. This type of insurance can cover a range of events, including accidents, illnesses, and disabilities that prevent an individual from working.

Financial security & peace of mind

Creating an emergency fund is also another essential step to protect income, ensuring future financial security. Typically, an emergency fund contains three to six months of living expenses, providing a cushion during challenging times. Having an emergency fund in place can help prevent the use of credit cards or loans during unexpected events,
protecting your credit scores and financial well-being. Having a ‘plan b’ in place can offer peace of mind, knowing that you are financially protected in case you are unable to work due to an injury, illness or disability.

When should I start?

It’s essential to start planning early for income protection. By planning early, you can take advantage to build a secure financial foundation. The earlier you start planning for income protection, the more time you have to build a safety net that can build protection against unexpected events.
Starting early and reviewing your income protection can help you build a secure foundation, acting as a safety net against unexpected events and ensuring a more secure financial future.

For more information, head over to our contact page or drop us an email at paul@mortgages4u.uk

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