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Mortgage Calculators

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2.Mortgage Planning

Myths

1. The lowest interest rate means the best mortgage.

2. You need a perfect credit score to get a mortgage.

3. Renting is always cheaper than buying a home.

4. Your credit history will disappear after 2 years on your credit history report.

Facts

1. Other factors - like loan term, hidden fees and flexibility can impact overall cost of a mortgage.

2. A strong credit score helps, but lenders also consider your income, savings and deposit.

3. In many cases Mortgage repayments can be lower than rent and owning a property builds long terms equity.

4. Bad credit history stays on your report for 5 years, however some banks may look at your mortgage application sooner than that.

3.Life Assurance & Serious Illness Cover

Myths

1. Life insurance is only necessary if you have a family.

2. Serious illness cover only helps wit medical bills.

3. Employer-provided life and illness cover is enough.

Facts

1. Even if you’re single, lifde insurance can cover outstanding debts, funeral costs or provide for your loved ones.

2. A payout from a serious illness cover can be used for anything - mortgage payments, living expenses or specialist treatments

3. Workplace policies often provide limited coverage. A personal policy ensure full financial security.

Protection Calculator

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4.Retirement Planning

Myths

1. The State Pension will be enough for retirement

2. You can start saving for a retirement later.

3. Property investment alone can fund your retirement.

Facts

1. The State Pension is limited. A personal pension or additional savings are needed for a comfortable lifestyle.

2. The earlier you start, the less you need to contribute each month, thanks to the power of compound interest.

3. Property can be part of your plan, but a well-diversified retirement strategy provides greater stability.

Need Expert Advice?

Many believe Financial Advisors are only for the wealthy, too expensive or unnecessary if managing finances alone. In reality, advisors help people at all income levels with budgeting, investments, retirement, insurance and overall financial planning.

They provide expert strategies to maximise wealth, manage risks and prevent costly mistakes. While no advisors can guarantee market-beating returns, they offer long-term guidance tailored to your goals.

Most importantly, you remain in control of your financial decisions. It’s never too late to seek professional advice - so secure your financial future today!

Planning your future can be complex. If you need guidance on your financial planning, mortgages, life assurance or retirement, get in touch with us today!