Cheaper mortgage interest payments

  1. FIX THE RATE FOR A LONGER PERIOD

If you haven’t fixed your mortgage rate, MOVE IT NOW…. Banks and building societies start pulling their best deals as rate hikes loom.

Some three million people are paying their lender’s standard variable rate (SVR) — the rate to which a mortgage reverts at the end of a fixed deal — which currently averages 4.76 per cent.

Fixing your loan gives you the peace of mind that for two, five or even ten years, your repayments won’t change.

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Find a property that meets your retirement needs

Finding a Property That Fits Your Retirement Plans

Whether you’re pondering over what type of property should lie in your future or you’re hoping to help a friend or relative narrow their search, there’s a surprising amount to consider when it comes to finding an appropriate retirement property. Estate agents Knight Frank recently highlighted the growing importance of purpose-built serviced retirement housing and communities but you don’t need to settle on such a structured option if it doesn’t fit with your personality, plans or personal circumstances.

However, if you do intend to move from the family home into a bungalow, smaller house, flat or apartment, you may find you need to take a rather determined approach to downsizing. Last year HomeOwners Alliance estimated that half a million over 55s were stuck in property limbo due to a shortage of suitable housing. Then there are other essentials to consider like location, facilities and maintenance. Here’s how to get your search off to the best start.

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Get a Great Price on your New Car

Getting a Great Price on Your New Car

This is a “Sponsored post.

One of the biggest purchases we make, except for a new home, is a new car.  Lots of people don’t realise that even if you are buying a new car there are still savings to be made.  Before you start you should make sure you’ve worked out what you can afford and have done plenty of research into the car you’re planning to buy – including the list price.  Whether you’re paying cash, part exchanging or organising a finance plan, car dealers’ prices aren’t fixed.  Have a read of our guide to find out our top tips for getting a great price for your new car.

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