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Thinks we don’t want to talk about 101 – Savings Plans I had an interesting conversation yesterday with an unhappy Saver, not mine I hasten to add. The gent in question had been saving regularly for 15 years. He was justifiably upset that after 15 years he was about to get less back at maturity than he had put into his savings plan over the whole term. It raises two questions: Our understanding of the

Mortgage Best Buys – 11th May 2011 Current 2 year best buys, based on a 65% Loan To Value. FIXED RATES TMW (The Mortgage Works) – 2.75% fixed until 31/07/13 – total fees of £1,036 (in valuation) Woolwich – 3.08% with a 20 month Fixed rate – total fees of £948.93 L&G – Leeds Building Soc with a 4.69% fixed until 31/05/2013 – total fees of £559 (inc valuation) Newcastle Building Soc with a 4.64%

Things we don’t want to talk about: 101 – Funeral Plan Advice A client of Dales Independent Financial Advisers recently asked for some advice on a funeral plan. It made me think about my own experience a few years ago on the death of my Farther in Law, what is available, what are the benefits and who needs to consider such a plan. First things first: just how much does it cost to die in

Market leading Capped Rate Mortgage Launched In these uncertain times, most people don’t seem to know which type of the mortgage deal is the best to select. With Bank of England interest rate so low most people assume that interest rates will, sooner or later increase. However, the issue with a fixed rate product is that if the rate does not increase or only increases a little and then remains static. If you had chosen

Stamp Duty The finance bill 2010, will introduce a temporary relief from Stamp Duty for first time buyers up to the value of £250,000. To clarify: all parties to the purchase must be first time buyers, and it must be as a main residence. A first time buyer has also been defined as someone who has never purchased a property before anywhere in the world. The finance bill also introduces a new rate band of