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FINANCIAL ADVISER BLOG

How to Repay Your Mortgage Early

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 second part is the interest charged on the loan. Both the capital and the interest need to be repaid but this can be done in different ways. With repayment mortgages, repayments are intended to pay off both the interest and the capital borrowed. In principle making overpaym

Five Things to Know About Annuities

Annuity is a term that until recently everyone had heard of but few of us not of retirement age knew what it meant. The March 2014 changed that. Suddenly annuities became big news and exciting stories about the possibility of Ferrari driving pensioners were splashed across the newspapers. This article is a quick look at the changes to annuities and how they will affect you, so the first thing to do is to explain specifically what annuities are, and how they have changed. An annuity is an insurance policy that people saving for their retirement can buy at retirement and it will guarantee a fixed annual payment for life, so it essentially acts as a private payment. Here are the five changes yo

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