In this episode, Craig is joined by regular guest and Equity Release Specialist, Mark Thomson, to discuss the rising trend for people over the age of 55 using equity release to buy new homes. What’s the new trend? A year or two ago we never came across anybody that knew it was even possible to […]
Craig is joined on The Mortgages, Money and More Podcast by regular guest, Jason Murgatroyd to discuss cryptocurrency and the benefits and risks of investing in this growing area. What is cryptocurrency? Bitcoin is a digital currency. It’s the same kind of concept as pounds, dollars etc., but it is purely a digital asset. Its […]
Financial Advice Fees Explained Our guest this week is Jason Murgatroyd, Financial Adviser from CS Retirement Solutions and we’re talking about financial advice fees. Are there rules around what financial experts can charge? Fee structures have evolved over the years and things are certainly much better since the bad old days of endowments, where some […]
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Looking back on 2020 – our business 2020 has been a tough year for many, but for CS – it has been a great year. We started 2020 as a mortgage and protection business and we ended the year with 20 advisers; including four financial advisors, which means the pensions and investments arm of the […]
Divorce – Things to Consider for Long Term Financial Stability Divorce is a difficult time for anybody and it’s a time where knowing the law and ensuring you are doing the right thing can make the process that little bit easier. You can enter a divorce journey without any expertise, but it’s not something […]
Investments – Making the Most of Your Money Welcome back to the Mortgage Money podcast. Today we’re talking about investments. With Jason Murgatroyd and Shamraze Ahmed. What are Investments? Generally speaking, we all have money somewhere where maybe put it in the bank, or building society. As a guide any money that you find you’ve […]
Interest Only Mortgages – everything you need to know In this episode we speak to Jason Murgatroyd about Interest Only Mortgages. Many are coming to the end of an interest only deal and do not know what their options are. What does it mean when an Interest Only Mortgage reaches maturity? Thankfully, lenders have been […]
What is an ISA? ISA, standing for individual savings account is essentially a tax wrapper, so think of it like a jacket for your account. If your money is sat in an account, with whatever the underlying investments may be, an ISA can surround this money like a tax efficient jacket. With this jacket, anything […]
What is Equity Release? Equity release is the process that allows homeowners to take out the equity in their property in order to assist with income or capital needs. If you are looking into equity release as an option to release some cash, there are two main options you need to consider. A lifetime mortgage […]
Retirement is an exciting time; the start of a new chapter in life. Whilst we will have worked, saved and prepared for this moment for a long time, many of us will find we don’t quite have enough money to fund all the things we planned to do. Luckily, there are an increasing number of […]
Whichever side of the Brexit debate you have been on, Friday 31 January 2020 undoubtedly marks a momentous point in the country’s history. For at the stroke of 11pm, the UK will cease to be a member of the EU: the divorce will finally have been sealed. It’s clearly been a long and rocky road […]
The sooner you start saving, the healthier your pension pot is likely to be when you need to draw on it. But what happens to your pension planning if your working hours reduce, or stop? First things first If you join a company you may be enrolled into their workplace pension scheme which, in most […]
Getting a clear, concise view of your investment portfolio can be difficult and time-consuming. That’s why we use a secure, online system known as a platform. A platform gives you secure, online access to your investment funds with a transparent, easy -to-understand charging structure. So rather than holding your ISAs, pensions and other investments in […]
As you approach retirement, you probably want to know when you can afford to stop working. Having worked hard throughout your career you deserve to enjoy your retirement without having to worry about your finances. It may be worth reviewing your pension contributions to make sure you are taking advantage of the incentives offered by […]
When it comes to building your investment portfolio, you might have been warned about avoiding putting all your eggs in one basket. It’s wise to spread your money across a range of different investments. That way, if the value of one of them falls, it should have a limited effect on the overall performance of […]
Understanding inflation and its impact on your portfolio is important because rising prices can reduce the value of the money you get back from your investments. What is inflation? Inflation is a term used to describe a rise in prices. In the UK, it is measured by the Consumer Prices Index including owner-occupiers’ housing costs […]
Why you should consider modernising your pension As well as giving you greater freedom over how you access your savings, there are several other benefits when modernising your pension: Take full control of your pension savings Choose when and how to draw an income to suit your retirement planning Keep your options open for drawing […]
Retirement is an exciting time; the start of a new chapter in life. Whilst we will have worked, saved and prepared for this moment for a long time, many of us will find we don’t quite have enough money to fund all the things we planned to do. Luckily, there are an increasing number of […]
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We offer personalised financial planning to both private and business clients, providing advice and making recommendations that suit individual circumstances.
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