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Independent advice on savings and investments, Edinburgh, Fife & UK

Structured deposits

Thursday, 11 February 2016

It is tougher than ever to find a savings account paying a decent rate of interest. Even long term fixed savings accounts are paying as little as 2.5%-3% per year, and that is in exchange for locking ...


Edinburgh IFAs - independent financial advice

Save income tax the high risk way

Thursday, 11 February 2016

Getting significant tax relief on contributions is one of the big attractions of a pension, but there are a few other investment vehicles that offer potentially even greater tax benefits. In particula ...


The impact of unsecured loans on mortgage borrowing

Car and sofa loans could stop you getting a mortgage

Thursday, 11 February 2016

We help a lot of clients get a mortgage on their first home, sometimes when their high street bank has already turned them down. First time buyers often have other loans and credit facilities, and the ...


Independent mortgage advice from a Edinburgh, Fife & UK IFA.

Pros and cons of buy to let

Thursday, 11 February 2016

If you have savings, and are frustrated by low interest rates available at your bank, it could be worth considering a buy-to-let property. A good chunk of the mortgages we arrange are buy-to-let, and ...


Independent financial and debt advice, Edinburgh, Fife & UK

Getting help with problem debts

Thursday, 11 February 2016

If you are having problems making the monthly payments on your cards, mortgage, loans or utility bills then the worst thing you can do is to ignore the problem and hope it goes away. It won’t – it ...


Edinburgh independent pension advice

How much to save into a pension

Wednesday, 10 February 2016

We manage (as of January 2016) around £14m of our clients’ money in the investment markets, and most of this is held in pensions. But in general it is sadly the case that people are not saving enou ...


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