Independent Financial Advice

increase the value of your home

Are you aware of home equity release risks?

Did you know that you could use the value of your home to get your hands on extra cash? The process, known as home equity release, unlocks money tied up in property to provide homeowners with a cash lump sum or monthly income. It’s thought that people over the age of 50 have a total

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tax meeting

Tempted by tax avoidance?

As we cope with rising living costs and more of us start up our own businesses or invest in properties, the tax man is never far behind. But when it comes to tax avoidance schemes, are there any that are actually above board or are they best left alone? The difference between tax avoidance and

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help to buy

Buying or renting? The pros and cons

With the cost of buying a house rising faster than salaries and rent, it can be confusing trying to decide which option is best for you. We weigh up the pros and cons of buying versus renting. Counting up the costs Whether you are renting or buying, you are still entering into a legal agreement

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loan sharks

What is an Offshore Savings Account?

Many people think that offshore savings accounts are just for the super rich who want to limit their tax liabilities. However, this isn’t the case and while some accounts have minimum deposits, they can be opened by any UK resident. How exactly do they operate and how can they benefit a UK saver? With an

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Saving for a house deposit piggy bank

Saving a deposit for a house?

Whether it’s a first home or a house move, saving for a deposit is an important part of buying a property. With the mortgage market still fairly unstable, the best deals are reserved for those with large deposits. How do you budget and plan effectively to help you save more? According to the Halifax House

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