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Employer Covenants - a brief glance

An employer convenant is the document that outlines the employer's obligation to a Defined Benefit scheme. The employer covenant makes clear the responsibilities and accountability of the employer to the scheme. The employer underwrites the risk to t... Read >

Natural Breasts Vs Breast Implants

In today’s celebrity obsessed and body conscious world, everyone wants to have the perfect body - and every inch is under scrutiny. These days breast implants are pretty common place and most people will know someone who has had breast enhancement surg... Read >

The pension age set to rise to 66 within five years

Within as little as five years the pension age could be raised to 66. As life expectancy increases the plan for incremental rises in retirement age is no longer feasible. According to the Office for National Statistics the ratio of pensioners to wor... Read >

How do pensions work?

It might seem obvious, but understanding how pensions work will enable you to make the most of your retirement. The first thing to remember is that if you are working and paying National Insurance, then you will be eligible for a basic state pension. ... Read >

The Pros and Cons of an Individual Voluntary Arrangements

If you are considering an Individual Voluntary Arrangement then you should be aware of the pros and cons. Personal insolvency isn't something that you should enter into lightly and so you should always consider the implications of the positive results an... Read >

Insolvency Crisis: Credit card costs individuals thousands

Following the last ten years where the government has actively encouraged borrowing, we are facing an insolvency crisis. Many families and individuals have been using their credit cards to pay for day-to-day spending, which has resulted in huge debts. ... Read >

Mortgages Explained

Mortgage Plans are loans that an individual takes out specifically to buy house. If it is a new build, the construction expenses will be paid to the construction company by a finance company that is offering you the mortgage plan, if you are buying privat... Read >

Introduction to Mortgages

A mortgage is a loan that you take from a loan company like a bank or a mortgage broker or provider. This mortgage loan is ordinarily given to you against the house you wish to buy or against the assets of the company that you are arranging the mortgage f... Read >

Commercial Mortgages - What You Need to Know

A Commercial mortgage deal is the most common and chosen way to finance land or property for business due to their and often flexible financial solutions. What actually makes them different is that the mortgage lender has legal rights to the real estate ... Read >

A Guide to First Time Buyer Mortgages

It might be the most exciting point in an individual's life when they look to take on their very first UK mortgage deal. They will need to take time to think about everything that comes along with having a mortgage deal, although it is generally simpler f... Read >

A Guide to Buy to Let Mortgages

Buy to let Mortgage Deals have been a part of the UK loans market since the early 1990s. Many individuals have purchased home with the sole intent of renting them out to tenants. This has occurred mostly in the non-commercial sector in order to attract th... Read >

The Ins and Outs of Getting a Mortgage

The mortgage that is viable for the potential British homeowner is one that is based on their current financial situation and also what they predict their economic position will be in the future. Narrowing down the type of mortgage that will benefit an in... Read >

Top 10 Most Used Insolvency Terms

Personal Insolvency can be very confusing, especially if you are considering it and do not know which option is best for you. If your debts outweigh your assets (i.e.: value of your house) and making repayments is impossible, then you might be consid... Read >

New Employer Covenant Debt Regulations

Up until now, when a company made the employees participating in a defined benefit scheme unemployed, the action would result in a debt payable to the trustees by the company. The easements to the Employer Covenant Debt Regulations will mean that not all ... Read >

Pension Release Schemes Understood

Not all pension schemes are potential pension release schemes. This is worth remembering when considering pension release for your scheme. Your pension must be accessible and although most are early on, not all are. Most government pension schemes ... Read >