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A number of things are already clear about changes to mortgage underwriting and processing as a consequence of the 23 March 2020 “lock down”.
Read MoreMost investors’ true investment horizons are far longer than the next few months. “Please fasten your seatbelt as we are encountering some turbulence,” is the unpleasant voice of the pilot’s warning during your flight (even if flying is becoming a distant memory). No matter how uncomfortable and violent the turbulence, no passenger seriously thinks of […]
Read MoreIntroduction Recent events determine that the subject of this month’s blog differs markedly from our usual content. Above all else is the need to listen to medical advice and so minimise the risk of becoming infected by the virus. Here at Michael Forward Financial Services Ltd, we are continuing to provide the usual level of […]
Read MoreIn this month’s blog, I look at insurance protection and emphasise the key role which such plans play in effective financial planning. Protection plans are normally issued by life assurance companies and typically do not provide a benefit at the end of the plan term. They are designed to pay out either a lump sum […]
Read MoreWhen Linda was buying her house her mortgage adviser recommended taking out a life insurance policy that included critical illness cover. When within a few years, completely out of the blue, Linda was diagnosed with bowel cancer, she was very thankful that she’d acted on this advice. “In August last year, I was diagnosed with […]
Read MoreThe overwhelming majority of equity release arrangements are lifetime mortgages. This blog looks at what they are and how they work. I also consider the features of modern plans and look at how they have developed to meet the changing needs of customers.
Read MoreThe UK population paid £5.2bn in inheritance tax in the last tax year. That figure has been increasing rapidly over the last seven years: it’s almost double the £2.7bn received by the Treasury in 2011. Why Inheritance Tax is Increasing Rising house prices will be playing their part in that increase, but we believe many […]
Read MoreIn the first three blogs of 2019 I took something of a detour to look at topics as diverse as joint ownership of property, Lasting Powers of Attorney and tax planning for the new tax year. In this blog, I return to more well-trodden ground – and look at developments in the equity release market […]
Read MoreThe Financial tax year has come to a close, which means that we now need to look forward to the 2019 financial tax year and adjust to the changes that can affect all of us. But what are the changes that have been made? Find out here.
Read MoreIn this blog, I look at Powers of Attorney – what they are, the various types and the uses to which they are put. I also look at the alternative, the application process and the timing of applications to take account of the impact of the Mental Capacity Act 2005.
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