Workers and kids have been going Back to School in England and Wales this month. Facebook has been filled to the brim with photos of little people in front of doors and fireplaces, dressed up in their new uniforms (which will be crumpled and covered in mud or paint by the end of the week!)
It is important for every company to know their auto-enrolment duties from 1st October 2017. Firms recruiting staff for the first time after this date will need to enrol them into a workplace pension automatically to be compliant with the new laws.
There are new mortgage regulations coming into force from September 30th 2017. These will make it harder for landlords with four or more buy-to let properties to secure their mortgages.
The changes will involve greater scrutiny over incomings and outgoings. The exact nature of which is still to be stated. These changes are on top of more stringent rental calculations already brought in earlier this year.
Mortgage offers can be held for up to six months we are strongly advising clients to start their applications sooner.
On top of tighter lending Bank of England chief economist Andy Haldane has stated that leaving a rate hike until too late could lead to steeper rate rises in the future and that he may vote to raise interest rates in the second half of the year. This month three additional members out of the eight voted for an interest rate rise. A fixed rate could stop you being affected by this.
Call us today for help and advice with your mortgage.
Wilmslow estate planning is not something that many people take into consideration, and this is very unfortunate considering how devastating it would be to leave your estate behind without any instructions to your friends and family. Wilmslow Financial Advisers can help you with this process and make sure that your estate planning is dealt with properly.
Estate planning is highly beneficial, and there are a number of reasons why you should go ahead with the process – whether it be for commercial or personal assets. Throughout this article, we’ll tell you exactly what estate planning is, how a Wilmslow Financial Adviser can help you, and we’ll also save you from making a big common mistake.
West Kirby estate planning is extremely important if you want to protect the assets you have now and make sure that they are properly distributed to your bloodline family members when you are no longer around. Having no planning in place, may mean your family pays unwanted inheritance/capital gains tax and your assets may even pass to someone in your family you had never intended under the laws of intestacy.
If you have been thinking about your finances recently then hopefully you have also been thinking about what will happen to your estate when you’re gone – understandably, this most likely isn’t something that you’ll actually want to think about, but many people overlook it, and it can cause a lot of difficulty in the long-term.