The UK Personal Finance Show ~ Pensions, Investment, Savings and Insurance.

One of the most asked questions by people looking to get a mortgage is how much can I borrow? We look at how lenders assess a mortgage application and cover the things that impact on how much you can borrow.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understandin...

If you need professional help with your finances we look at the things to consider when choosing a financial adviser. We look at how an adviser can help you and where you can find one. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to chang...

We look at taxation basics and cover tax bands, tax free savings, pensions and inheritance tax.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be gua...

ISA season is almost upon us again. This week we look at the benefits of ISA’s and the different types of tax free savings options available. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and compl...

People are living longer and our chances of requiring long-term care is increasing. We look at how you are assessed for care costs, how to plan for it and tips to reduce what you need to contribute towards it. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding an...

All you need to know about getting a better credit rating and increasing your odds on obtaining credit at the best terms available to you. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and complete...

In this week's show we look at the options available to reduce your debt after Christmas. We cover areas such as remortgaging, further advances, personal loans and credit card balance transfers. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subjec...

January is traditionally one of the busiest months of the year for people separating and starting divorce proceedings. We cover some of the things to look at financially if you are in this position. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be su...

Christmas can often be a very expensive time of the year which is why we are starting off 2021 with tips on how you can reduce your outgoings. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and comp...

Your first port of call should be getting your finances in good shape before lenders review them and assess your ability to make repayments on your loan. Some top tips for standing yourself in good stead include checking your credit score and getting some good advice. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information w...

As people become more environmentally aware we look at the relatively new concept of “Green” mortgages Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be gu...

This episode looks at why you should make a will and how go to make one. We also look at what happens if you die without a will. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and complete...

We look at pre-paid funeral plans and discuss the pros and cons of them, who does them and things to watch out for when considering one. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completene...

When someone passes away it is never easy. In this episode we share some of the things to do in the days and weeks after someone dies. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and co...

Scammers never tire from stealing money. Recently there has been an increase in scams taking advantage of the COVID-19 crisis. We look at ways you can spot the warning signs. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without...

Since pension freedoms were introduced people now have much more options with their pension pot at retirement. Here we cover areas like withdrawing money from your pension, tax implications and we also discuss some of the options you have with your pension pots.   Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information...

Every winter, freezing temperatures catch people out. Prevention is better than cure and now is the time to take a few simple steps to reduce the risk of facing the trauma of frozen or burst pipes this winter. We look at steps you can take to protect your home over the coming months.   Disclaimer It is important to take professional advice before making any decision relating to your pers...

Many people don’t know what a financial adviser does. This episode explains some of the areas and things that financial advisers can help you with that you might not know about.   Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subjec...

We cover the importance of having life insurance on an ex-spouse or partner. This is an often overlooked area especially when children are involved. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy an...

A common question people have is should they invest in a pension or an individual savings account (ISA). This episode explores the differences between pensions and ISA’s. It also looks at the pros and cons of each savings vehicle. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based...

Buying a new home can be a daunting prospect. This episode covers 10 steps to buying a property and when to speak to your mortgage advisor and solicitor.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the...

We look at areas such as protecting your family, budgeting for new arrivals and options for children's savings.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the informati...

An often overlooked area of financial planning is income protection. Here we look at what it is and why you should consider it. We also look at what benefits you get from the state and what options are available for the self-employed.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based...

In this episode Phil looks at how redundancy can impact on your financial plans and what you should be reviewing if you have been made redundant. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and c...

Here Phil covers the main options when you look to draw the benefits from your pension. We cover annuities, drawdown and final salary pension schemes. We also discuss if you should you take your tax free lump sum and options to phase your retirement.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this p...