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Omni Financial Limited is Registered in England and Wales under reference 05501958. Registered Office: 1 Townsend Road, Harpenden, Hertfordshire. AL5 4BQ.


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Omni Financial Ltd

Unit D2, The Courtyard

Alban Park

St Albans




Tel:  01727 223 251

Fax: 01727 853 811



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November 24, 2015

Christmas comes but once a year and for all the fun it brings it can be a significant drain on the family finances.  With that in mind, it’s worth looking at opportunities to see where savings can be made.  While it may still be too early to put up the decorations, some of the best Christmas bargains require a bit of advance planning.


Food and Drink

Think about having a non-traditional Christmas.  Christmas dinne...

October 5, 2015


Saving for a rainy day is what lets you buy an umbrella to keep you dry until the rain passes.  Alternatively you may be saving with a specific goal in mind, for example to buy a house.  Like many aspects of life, your saving needs and habits may change as time goes by. 


If you are on the younger side, you may be looking at paying for your wedding, putting together a deposit on a house or planning for the...

August 31, 2015

There is one topic that no one likes to think about - death. And yet, it is something that we must prepare ourselves for in order to take care of our loved ones and ensure family protection.


Making plans for the end of life is a vital task and one that, if not dealt with by each of us, falls to our families and next of kin to arrange.


There are two main tasks that everyone with dependents must undertake in order to protect the...

July 20, 2015

The first Conservative budget since 1996 was eagerly awaited by some and dreaded by others. Freed from the restraining hands of the Lib Dems, George Osborne was free to produce the budget he wanted. In the Chancellor’s sights were benefits, tax credits and student grants, while he also indicated a slightly less draconian approach to austerity. 


Good news on the economy


From the outset, Osborne was keen to promote the governmen...

July 13, 2015

George Osborne was last seen holding the famous red briefcase in March.  On that occasion he was delivering a coalition budget.


The new “emergency budget” is a fully-fledged Conservative budget. Some people may be tempted to ask “Why do we need a new budget so quickly?”



That aside, there are actually a number of questions this budget has to answer.


What happens if spending cuts don't work?

The Conservatives plan to combin...

May 18, 2015

As with any major reform to savings, pensions and investments, the recent government changes to annuities has been accompanied by a flurry of newspaper headlines, ranging from the alarming to the surreal.

Deciding how you will fund your retirement is one of the biggest financial decisions you will ever make and one that cannot be taken lightly, but often the information overload that happens courtesy of the media can leave save...

April 27, 2015


For decades now, successive governments have aimed to encourage saving.  Arguably it is very much in their interests to do so.  People with savings, pretty much by definition, are less likely to run into financial difficulties.  This means that they are also less likely to need state benefits.  In recent years, governments have made particular efforts to encourage saving for retirement (“We're all in!”).  While pensions have...

February 23, 2015

In the next few months with a general election on the horizon, millions of voters and savers will be eagerly waiting for news of what provision there will be for them in their retirement.


The state pension, which is currently capped at a maximum of £113.10 per week, has been amended, adapted, altered and changed by successive governments over the last half century or so. The result can be that state pensions confusing, contrad...

February 13, 2015

The government is eager to prevent a pensions crisis and views Auto Enrolment in a workplace pension scheme as a key part of its strategy to avoid this situation.  Employers who miss their deadline can expect to face steep fines which could potentially cripple a small business.


From The Largest Companies To The Smallest


Auto Enrolment started in October 2012 with companies which had 250 or more members of staff.  Since th...

January 29, 2015


Given that a mortgage is usually a long-term commitment, sometimes a significant one, paying it off can be a major financial (and personal) milestone.  For some people it may even be worth considering taking steps to repay a mortgage early.


The practicalities of overpaying a mortgage

There are essentially two parts to a mortgage.  The first part is the capital – the money borrowers need when they are buying a home.  The s...

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Auto Enrolment - Reaping the benefits of workplace pension savings

January 11, 2016

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October 12, 2015

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