News Listings.

How large a mortgage deposit do you need?

Saturday, 20 February 2016

Mortgages are available with as little as a 5% deposit, but interest rates vary significantly depending on the size of deposit. In addition, new build properties and flats may require larger deposit ...


Independent mortgage advice, Fife, Edinburgh and the UK.

Changes to rules on buy to let mortgage interest tax relief

Sunday, 14 February 2016

If you are a landlord then you may be confused by the new HMRC rules on mortgage interest tax relief, introduced in the July 2015 budget. The chancellor said that higher rate taxpayers would be limite ...


Independent financial advice from Edinburgh, Fife and UK IFAs

The lifelong cost of early retirement

Sunday, 14 February 2016

Meet Stuart. Stuart is a real life recent client of ours, but we have changed his name for obvious reasons. Stuart is a mid-level manager at one of the big high street banks that were bailed out durin ...


Financial advice on cashing in pensions, Edinburgh, Fife & UK IFAs

Cashing in part of a pension

Saturday, 13 February 2016

What is a UFPLS? It sounds like a typical piece of financial industry acrynym-overload, but it sits at the heart of the new freedoms that George Osborne has granted us all. It stands for Uncrystallis ...


Edinburgh, Fife & UK IFAs

5 golden rules for investing

Friday, 12 February 2016

We know how difficult and nerve-wracking investing can be, but it doesn’t need to be. Following 5 simple rules can help. 1) Think about how much volatility you will be comfortable with in your inve ...


Edinburgh, Fife & UK IFAs

Gold is not an investment

Friday, 12 February 2016

We believe that any fund that invests in only one sector, or industry, is a bad idea for two reasons: Lack of potential for diversification Investing in equities, or any asset class, is best done by ...


Independent financial advice. Regulated by the Financial Conduct Authority (FCA no. 603653). Company no. SC450460