Right-Advice MC Ltd

As parents we often worry about what will happen to our children if we die when they’re young. But do we do anything about it? If your children are still dependent on you, you need to make sure you have plans in place so they’re looked after if you’re not around to do it yourself. If you and your partner die without making guardianship arrangements, lots of your friends and family could come forward to look after your children. But unless you’ve left specific instructions, th

Protect what matters before it matters One lesson this pandemic has taught all of us is that you can never be too prepared for when things go wrong. Of course, events like global pandemics are incredibly difficult to predict, and I’m sure that if we could go back six months many of us would take out insurance policies to protect our income and health in these difficult times. Protection for when the unthinkable happens Just 9% of Brits have any form of income protection, and

Arrange your free non obligation 'Protection Review' and you could get an Amazon.co.uk Gift Card worth up to £100* (T&C’s apply**) Our 'Protection Review and Recommendation' is a free service with no obligation to proceed. Complete an online quote in minutes or speak to one of our advisers... Life insurance and critical illness cover, do you understand the jargon or are you confused by the industry terms? Protection is a term used when talking about critical illness cover and

You’ve found the home of your dreams and it’s within your budget, whether you’re a first-time buyer or a home mover it feels like a dream come true! But have you prepared for the additional costs of purchasing your new home? There are a number of hidden costs associated with buying a property that you may not know about until you start your mortgage application, so we’ve put together an overview of a number of costs you might need to be prepared for. Stamp duty Stamp duty is

In a time where taking that first step onto the property ladder may seem harder than ever, recent research has highlighted that the financial benefits of owning a home still remain for those that are fortunate enough to break the rental cycle. Private renters could expect to pay an average of £451,600 over the next 30 years, taking into account a 2% increase in rent per year. Compare this to a homeowner with a 25-year repayment mortgage, who would pay £317,900 if interest rat

Having protection in place is incredibly important. It doesn’t bear thinking about but what if the unthinkable were to happen to you? If you were off work for a long period of time because of an accident or critical illness would you be able to cope financially? And if the worst were to happen, how would your loved ones manage without you? A staggering 43 per cent of households with a mortgage have no life insurance in place and an estimated eight million renting households c

There are a staggering 4.5 million privately rented households in the UK, according to figures from the Office of National Statistics. And, although tenants’ homes are at risk if they’re unable to pay for their rent due to accident, illness or death of the main breadwinner, protection remains a rarity among renters. A study from Aviva has found that the vast majority of renting households do not have any form of protection insurance – life insurance, critical illness cover, o

If your mortgage is on a standard variable rate then you may be missing out on an opportunity to save money on your mortgage payments. So why not shop around for your mortgage as you would with your other monthly outgoings, it might even be the biggest saving you make. Data from Virgin Money has stated that as many as 70% of homeowners could reduce their monthly outgoings by transferring from a standard variable rate product to a fixed rate mortgage*. This is due to the attra

When first-time buyers are taking their opening steps into homeownership, protection may not be at the top of their mind. But discussing cover with an adviser is an important step in the mortgage process. This is the ideal time to ensure all possible circumstances are covered, to protect against worst-case scenarios. Essential cover Some protection is mandatory for lenders, such as building insurance. Other insurance is common sense, such as including contents insurance as pa

Despite prevailing assumptions about homeownership, three quarters of millennials from around the world still intend to buy their first home in the next five years. A study of over 100,000 young people from nine different countries revealed that millennials still have a generally positive attitude towards buying a home, even in the face of high house prices. But how does the UK compare? Out of the nine countries surveyed by HSBC, the UK came eighth with 74% of millennial non-