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

We look at the recent Spring Budget to see how it impacts from a financial planning perspective. Areas covered include cost-of-living measures, personal tax, savings, pensions and property tax.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at the various tax allowances and reliefs available for the tax year and Phil shares some financial planning tips to help reduce your tax bill. Some of the areas covered on this podcast include ISA’s, pensions/retirement planning, capital gains tax and inheritance tax.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Phil goes through some of the things that he has learned over the years from various coaches, speakers and books. He discusses techniques to help you improve your wealth and mindset to succeed with your finances.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

On this podcast we look at helping you prepare for the lifestyle you want in retirement. We discuss areas such as how much money will you realistically need to live on, at what age do you want to retire and retirement bucket lists.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Financial Adviser, Andrew Scouller, joins John this week to look at the recent Autumn Statement. We look at how this impacts people from a financial planning viewpoint and Andrew covers the key changes that are coming.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We are joined on this podcast episode by Adam Walkom who discusses his new book which is out this week. The book takes the reader through the financial planning process and in this episode we also touch on how financial planning can help you reach your short, medium and longer term goals.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Annual management fees, platform fees, initial financial adviser fees, ongoing financial adviser fees, exit fees, performance fees and bid-offer spreads…just some of the costs and charges that we touch on during the podcast this week.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at how you can make small improvements to your finances. We also look at how you can incorporate “marginal gains” when it comes to financial learning, your retirement plans and savings.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we are joined by Sam Rayner and Max Nordigan from Chrono Hunter. They set their business up with the goal of providing a safe place for watch lovers to buy and sell watches whilst ensuring the best possible price by comparing multiple offers from a trusted network of the finest luxury retailers across the country.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we chat Claims Management Companies. We look at what they do along with the pros and cons of using them should you have an issue with a financial product or service.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We are joined this week by Clare Humphreys from Will to Win. Clare helps people realise their true potential and achieve more. On this podcast we discuss limiting beliefs, habitual behaviours and changing the paradigm.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Financial adviser, Andrew Scouller, joins John this week to discuss the various degrees of risk people can take with their investments. Andrew also discusses the various portfolio structures for different risk categories.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Having a good credit score can help you get credit and it can also help you get credit on better terms. This week Phil shares ten tips to improve your credit score.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we are joined by Fiona Macintosh who provides coaching and training in the areas of wellbeing, motivation and leadership. Fiona talks about resilience, thinking and motivation factors.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Guest expert Kathryn Knowles from Cura joins us this week to look at life insurance for the over 60s. We look at the reasons why someone would need cover, look at the options available and discuss the options for applying for cover.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

According to a study last year by LV, 56% of working adults would feel more financially resilient if they had insurance that pays an income if they couldn’t work due to illness or injury. The same study also found that 1 in 4 workers don't have Income Protection but would like to have it. This week we look at income protection insurance and the features and benefits of this sort of plan. Ep 155 - Income Protection Awareness Week

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

In this episode we look at the ways that you can pay for financial advice, how much it will cost and some of the benefits of taking regulated financial advice.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Pound cost averaging is effectively drip feeding an investment rather than investing everything in one go. It can take away some of the worry around long-term investing. On this podcast we look at the advantages and disadvantages of this approach.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Phil and John discuss the options if you are thinking about accessing your pension pot. They also look at the options for your pension when you want to take the benefits from it and cover annuities and drawdown.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at what is meant by the term cash is king. We also discuss what inflation means for your savings and cover the pros and cons of having your money in cash.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Tom Stokes is an Investment Director with Aviva Investors and he joins us this week on the podcast where we discuss investment markets, inflation, artificial intelligence and China.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Lisa Schoneville from Blok Property Management joins us this week to look at serviced accommodation. If you are considering investing in property or looking at different ways to boost your investment returns this podcast is for you.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Andrew Scouller is standing in for Phil this week as he is on holiday. John and Andrew look at with-profits investments and they discuss the advantages and disadvantages of this type of fund.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This type of mortgage can be useful for parents or family members who want to help someone else buy a home without taking ownership of the property. Mortgage adviser, Laura Stephen, joins John this week to look at Joint Borrower Sole Proprietor Mortgages. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at the difference between savings and investments. We discuss risk versus reward and also at the various asset classes where people can invest.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Leaving an inheritance can be a complicated and sensitive area of financial planning. It’s an emotive topic which requires careful navigation and planning, but it’s a conversation worth starting sooner rather than later.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Ross Anderson from Jones Whyte Solicitors joins us to go through some options for protecting your estate. In this episode we look at probate costs, sideways disinheritance, care costs and options to protect your assets.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Laura Stephen from Phil Anderson Financial Services joins us this week to look at women in financial services. We discuss the opportunities for women in financial planning, the gender pay gap and explore the challenges faced by women when it comes to balancing career ambitions with family responsibilities.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at what life insurance is, the different types of cover available and factors that influence the costs. We look at where you can get quotes for life cover, reasons you should consider taking out cover and the benefits of doing your plan in trust. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Tony Lister from estate agent Hamish joins us to look at whether now is a good time to buy a home.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

On this podcast Phil shares lots of tips and ideas for generating extra money.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at the options for those with no deposit to put down. We discuss the Skipton Building Society Track Record Mortgage and the criteria to qualify for this option. We also look at other ways to buy a property when you have no deposit to put down.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

David Liddell from Liddell Property Investments joins us this week to look at investing in residential property. We look at the benefits of investing in property and also discuss property sourcing, portfolio building, joint ventures and adding value to property.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we discuss budgeting, financial protection, emergency funds, savings and building assets. We look at where to get started and cover the basics for managing your money.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We are joined this week by Mark Gask who has galleries in Scotland and Estonia. We look at the popularity of investing in art and look at the do’s and don’ts. Mark also shares his knowledge of how to get started in investing in art.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

John is again joined by Andrew Scouller and this week they look at National Savings and Investments. In this episode we look at premium bonds, Green Savings Bonds, Income Bonds and the other options available through NS&I.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Phil is on holiday this week so John is joined by his colleague Andrew Scouller to look at Capital Investment Bonds. Andrew explains what they are, who they can benefit, and the reasons to consider this type of investment.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Guest expert Paul Cherry from Chersun joins us this week to look at buying property overseas. Paul is based in Spain and shares some great tips if you are looking to purchase a property overseas. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

What is an NFT? How do NFT’s work? What sort of NFT’s do you get? Is investing in a NFT a good idea? Are NFT’s expensive and is it easy to get scammed? These are some of the questions asked on this week's podcast where we look at non-fungible tokens (NFT’s).

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Chancellor of the Exchequer, Jeremy Hunt, delivered his first Spring Budget on 15 March declaring it was “A Budget for Growth.” We look at the key points from a financial planning perspective and look at the changes to pensions which were announced.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

It is estimated that almost 1 in 3 people have been impacted by gazumping and gazundering when buying and selling property in the last 10 years. This week we look at what each is and ways you can try not to be gazumped or gazundered when moving home.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

ChatGPT is a natural language processing tool driven by AI technology that allows you to have human-like conversations and much more with a chatbot. The language model can answer questions, and assist you with tasks such as composing emails, social media posts and Phil even had it write him a press release. We look to see if it can help you with financial advice.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We are joined this week by Dr Reuben Wilcock from Blackfinch Group to look at Venture Capital Trusts and Enterprise Investment Schemes. We discuss how these investments work and also look at the tax advantages with this type of investment. We cover the various benefits and also the risks involved.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

In this episode we look at why trusts are not just for the rich and famous. We look at some of the benefits of trusts including tax mitigation, speed of settling, flexibility and privacy benefits. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at what happens to your pension when you die. We look at tax implications, nomination of beneficiary forms and why it is important to keep things updated.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Business coach, Stuart Mason, joins us this week to look at why learning is so important when you are looking to earn more. On this podcast we cover vision boards, goals and Stuart gives us a run down of his favourite books. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

As the end of the tax year approaches, now is the perfect time to ensure you have your financial affairs in order and to double check you’ve taken advantage of all the tax-efficient allowances available to you. Some areas we look at this week include pensions, ISA’s, gifting for IHT purposes, CGT allowance and dividend allowance.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Kym Laxy from Mortgage Advice Bureau Elgin joins us to look at mortgage options for those with blips in their credit history.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at the different types of credit cards available and how they work. We cover cards for purchases, balance transfers, repairing your credit rating, reward cards and cashback cards. We cover the benefits of credit cards and also look at potential pitfalls.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Phil and John look at the differences between active and passive investing. During this podcast they look at the differences between the two and the pros and cons of each approach.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

What could be the best investment for you? This week Andrew Scouller steps in for Phil and he looks at property and pensions. Areas covered include taxation, tax reliefs, costs and past performance.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at whole of life insurance and the differences between this and term cover. We look at reasons why you would consider this type of plan and discuss inheritance tax planning and paying for your funeral.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

John and Phil look back at some of the podcasts that they recorded in 2022. They look at the most popular topics covered including Buy to Let and Financial Planning for Beginners.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Government figures showed 500,000 people withdrew £3.6billion from their pension pots between March and xMay 2022. Is it a good idea to draw money from your pension pots? What are the tax implications? What are the pros and cons of doing this? - Just some of the questions we look at on this week’s podcast. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

As the New Year approaches we look at getting your finances ready for 2023. We discuss goal setting, budgeting, New Year resolutions, wills, using your allowances and key dates for the year ahead. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Phil and John look at the recent budget and go through the various changes to income tax, capital gains tax and pensions.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Healthy eating is important and doesn’t need to be expensive. On this podcast we look at ideas to help you eat well and keep costs down.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Independent Financial Advisor, Cheryl Horne, covers for Phil this week as John & Cheryl sit down with Neil from Creditspring to discuss how using credit can help you manage your personal finances.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at investing in whisky. Alistair Moncrieff from Whisky Partners joins us and explains how to invest in casks of whisky. Alistair also speaks about the risks, tax situation, the angels' share, what to look for in a reputable dealer and some of his plans to disrupt the market going forward. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Dead cat bounce, pound cost averaging, bull markets, bear markets, bed & ISA, gearing and liquid assets - just some of the terms that we look at in this week's podcast.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Geoff Woodger from The Utility Warehouse joins us this week to look at how he can save you money on your energy bills. Geoff also discusses telecoms and broadband.  During this episode Phil shares some tips to help you conserve energy and keep your bills down.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week John and Phi look at the options for “porting” an existing mortgage when you move home. We look at what happens if you borrow more or borrow less and we also look at the advantages that can be found in transferring a mortgage from one property to another.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Interest rates are on the rise and the cost of living has increased. Mortgage lenders have tightened their criteria and a lot of mortgage deals have been withdrawn from the market. We look at recent changes to stamp duty, the state of the property market and also look at the importance people's goals and aspirations are in deciding if now is a good time to buy a home.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Independent Financial adviser Andrew Scouller joins John on the podcast this week to look at the recent mini-budget. The podcast covers income tax changes, dividend tax, stamp duty changes and how these changes can impact on your financial plans.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Phil is off on holiday this week so John is joined by financial adviser Andrew Scouller in his absence to look at pensions for the self-employed. Andrew looks at why having a pension is so important if you are self-employed, how much you should be paying in and explains how the tax relief works on your contributions.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Charlotte is the CEO and founder of Netwealth. She joins us on the podcast this week to speak about her passion for disrupting the status quo in wealth management. We also look at financial wellness, charges in wealth management and the areas Netwealth specialise in.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Many of us dream of receiving a windfall. On this podcast we look at inheritances, receiving a bonus at work and winning the lottery. We look at capital gains tax, inheritance tax and Phil shares his top 5 tips upon receiving a windfall. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Colin Pennycook from Pension Income Planning Ltd joins us this week to look at Defined Benefit Pensions. We look at the certainty these give people along with protection from inflation. Colin also takes us through some of the reasons why someone would consider transferring out of a DB pension.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

A change in circumstances can have a huge impact on your finances. On this podcast we look at the importance of reviewing employer benefits, your pensions/retirement plans, and your mortgage when you change job.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

On this podcast we look at reviewing your finances during a cost of living crisis. Areas that we cover include pensions, life insurance, mortgages and budgeting.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at some of the best bits from the first 100 episodes of the UK Personal Finance Show podcast with Phil Anderson. We discuss our most popular shows and look ahead to some of the future topics that we plan to look at.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at the latest scams that are doing the rounds. We cover WhatsApp scams, email scams, identity theft, and Covid vaccination scams.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at the benefits of diversifying your investments and spreading risk. Andrew Scouller joins us to look at different asset classes and what he does to help people diversify their portfolios.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Phil and John look at how the mortgage market has changed this year due to rising interest rates, high inflation and the cost of living crisis. If you are looking to review a mortgage soon or move home in the near future then this podcast will interest 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 completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at how much life insurance people need. We consider covering debts, protecting dependents and cover to pay funeral/burial costs.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Recording and storing your financial details is such an important thing. We take a look at our “what I own and where it’s kept” document. We cover what is in this and the benefits of good financial record keeping. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at what inflation is, how it impacts on you and what you can do to make your money work harder to beat or keep pace with inflation. We look at how it impacts your pension, investments and what it means if you have a mortgage.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at what the stock market is and why people invest in it. We discuss stock brokers, fund managers and the pros and cons of stock market investing. We look at where you can find a stock broker and the routes you can go down if you use 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 completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

In a time that will be filled with shock and sadness, it may also be a time of unexpected financial strain. This week we look at benefits and entitlements if you suffer a miscarriage, stillbirth or neonatal death. We also look at where you can turn for emotional support.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We are once again joined this week by Clare Moffat from Royal London where we look at financial planning for women. We discuss pension gaps due to taking time off to have children and we also cover the menopause and its impact on a woman’s financial situation.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We are joined this week by guest expert Clare Moffat from Royal London. We look at how much you can pay into a pension and discuss the benefits of good financial planning when it comes to pensions for higher rate taxpayers.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

 This week we look at investing for children. We look at ways to fund private education, university fees, wedding costs and property deposits. On this podcast we cover Junior ISA's, child trust funds, personal pensions, premium bonds and trusts.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Alex Drummond from Drummond Finance joins us this week to look at commercial lending. We look at various areas including commercial mortgages, asset finance and invoice financing.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Guest expert Tom Buffham from Brewin Dolphin joins us on the podcast this week as we look at responsible investing. Some of the things we look at include sustainable investing, environmental issues and we also discuss “greenwashing.” 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We are joined this week by guest expert Cameron McLean to look at new build mortgages. We look at the advantages of buying a new property and also discuss some of the things to watch out for.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at what critical illness cover is and the benefits of having a policy in place to cover this. We look at how much cover you should have along with looking at provider claims history and how to compare the cover offered by the various insurers. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

With the current cost of living crisis more people are struggling to pay their mortgage. This week we look at what to do if you are finding it hard to pay your mortgage. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Phil and John are joined this week by James Irving-Lewis who is a life insurance expert at Phil Anderson Financial Services. We look at tax-efficient ways to set up your life insurance that can save you as much as 50% on your monthly premiums.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we cover the basics of financial planning and look at budgeting, life insurance, income protection, emergency funds, wills, Power of Attorney, financial goal setting, and retirement planning. If you don’t know where to start with planning for your financial future then this podcast is for 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 completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Phil and John look at twenty quotes from people such as Jim Rohn, Warren Buffet and Steve Jobs. If you are looking for a bit of motivation then this podcast is for 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 completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at financial planning for students and discuss budgeting, grants, student loans, student bank accounts and student discounts. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

High inflation, Brexit, Covid and the war in Ukraine have led to many people being nervous with their money. This week we look at various investment options including capital guaranteed products, structured deposits, cautious funds, gold and premium bonds.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

We look at what Capital Gains Tax (CGT) is, allowances you have, and the rates at which tax is paid. We also look at ways a financial planner can help you plan for CGT.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

John and Phil are joined by guest expert Jessica Keniwell from Accord mortgages to look at 5 ways to cut your mortgage payments. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

On the podcast this week Phil and John look at various questions you should know about your financial situation. This episode covers a host of things including financial goals, disposable income, your retirement plans and also asks if your family would know what to do if you were to die. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

This week we look at buildings and contents insurance. During this podcast we look at why price isn’t the most important factor when taking out cover and we also look at added extras such as home emergency cover, legal expenses and personal possessions away from the home. 

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

With ISA season upon us again, Phil and John look at whether you should invest in a cash ISA, stocks and shares ISA, or a combination of both.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

On this podcast episode we look at things to consider when getting married. Phil and John look at wills, prenuptial agreements, the marriage allowance, spousal exemption and post nuptial agreements.

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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Rising house prices have made it difficult for many first-time buyers to buy a home. On this podcast we look at ways you can help your children out from gifts to raising money against your own property. We also look at joint borrower, sole proprietor mortgages and also cover guarantor 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 guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.