How one woman used TikTok to trade a hairpin for a house

woman holding house keyIf you cast your mind back to May 2020, you may have been deep in a quarantine project.

Perhaps you decided to do some DIY, learn how to knit, write the next great British novel, or binge all five seasons of Breaking Bad in a week. Continue reading

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How far will interest rates rise, and what could it mean for you?

man with calculator and laptop As you may already know, the UK has recently seen another interest rate increase. In February, the Bank of England (BoE) raised the base rate from 0.25% to 0.5%.

While the base rate still remains historically low, this change could still pose challenges to your personal finances.

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5 traditional recipes to celebrate Burns Night in Scotland

family in winter clothes saying “cheers” over the dinner table.

Whether you actively celebrate it or just note it at this time of year, 25 January is, of course, the celebration of Scotland’s foremost poet, Robert Burns.

Burns penned the classic poem ‘Auld Lang Syne’, sung traditionally on New Year’s Eve by people all around the UK, as well as other famous works like ‘A Red, Red Rose’.

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Could you use equity from your home to fund renovations?

Man using a circular saw to cut wood in his house

If you took the opportunity to do some DIY during one of the recent lockdowns, you’re not alone.

According to data from Yahoo, 5 million Brits redecorated rooms in their homes, 1.5 million built an outhouse, and over a million built home-gyms and extensions, spending an eye-watering £110 billion on home improvements.

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10 practical things you need to remember to do when moving home

family sitting on the floor and labelling boxes while smiling

If 2022 is the year you want to move into your dream home, it is likely your to-do list is already overflowing with tasks. Even if you have already secured a mortgage and signed your name on the dotted line, the weeks leading up to moving day will no doubt be busy too.

Before you kick off your shoes and relax into your new home, there are important jobs to tick off your list.

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Your complete 2021/22 end of tax year guide

The 2021/22 tax year ends on Monday 5 April 2022. This is the date when many allowances reset, and it could be your last opportunity to make use of some of them.

Keeping track of how you’ve used your allowances can reduce your tax liability and help you boost your wealth. Reviewing your finances ahead of the tax year end could reduce the amount of tax you pay and improve your financial security in the future.

This guide covers seven allowances and exemptions you should consider making use of to ensure you’re ready for the new tax year:

  1. ISA allowance
  2. Marriage Allowance
  3. Pension Annual Allowance
  4. Dividend Allowance
  5. Capital Gains Tax annual exempt allowance
  6. Inheritance Tax annual exemption
  7. Gifts from your income.

Download your complete 2021/22 end of tax year guide to learn more about these allowances and exemptions. If you’d like help preparing for the end of the tax year, please contact us.

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5 perks of protection cover that you may not realise you have

child holding one hand of each parent either side

Alongside the well-known benefits of products such as life insurance or income protection, you may not realise that you also have access to a range of other perks as part of your cover.

From being able to add your children under the same policy for free, to access to cheaper gym memberships, you might be able to save money with perks that you have available.

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Is it possible to make a listed home energy-efficient?

The UK government has set some ambitious targets to combat climate change, most notably to achieve net zero greenhouse gas emissions by 2050.

However, this pledge may contain a gaping oversight: the issue of energy-efficient housing. According to the National Housing Federation, the 25 million homes in England produce 58.5 million tonnes of CO2 each year.

Taking an average from these figures, that means the 2.6 million Scottish homes produce more than 6 million tonnes of CO2 between them each year.

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5 ways a mortgage broker can help you get accepted for a deal

2021 has been a tumultuous year for the housing market, seeing a flurry of activity among buyers and setting new records for average house prices.

Yet despite this growth, research from bridging finance lender KSEYE published in FTAdviser shows that one in three borrowers have been rejected for at least one mortgage application they’ve submitted in the past five years.

30% of those rejected were self-employed workers, with 44% saying that the reason they had been rejected was down to their irregular income.

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What is a heat pump, and is it worth getting one for your home?

a heat pump unit outside of a homeHeat pumps have become a big talking point over the past couple of months as a great option for heating your home. Continue reading

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