Gardner Financial Management - Blog

    The pace of news about Brexit is rapid and so any form of communication can quickly become out of date, but we have drafted the information below from data we receive from the fund manager groups that we respect and recommend to our clients. One of the key questions you might be asking yourself is “Should I stay invested?”. The key points we would like to answer to this question are; Uncertainty – we all dislike uncertainty and any negative impact this has on our lives.  Since the referendum the UK have experienced both.  Times like these can lead investors to seek protection...

This month we’re focusing on lending to professionals – a niche area for us at GFM There are lenders that can offer a maximum 40-year term and lending of up to 5.5 x income at up to 80% loan to value  and 4.5 x income above 90% loan to value. Not all lenders recognise the future earning potential of professionals. Here is a real life case that Hinckley and Rugby were able to help with. THE REQUEST: A junior doctor had requested a £140,000 residential mortgage at 85% LTV. She received banding one income on top of her basic salary in her role within an...

DOES IT MAKE SENSE TO COMBINE YOUR PENSION POTS? The days when you began your  career with one employer and stayed there until the day you retired are long gone. It’s estimated that you could  now have an average of between 6 and 8 different jobs during your career. This can mean that over the years you could end up with multiple pension pots. In certain circumstances, it could make good financial sense to consolidate your pensions into one new plan. This means you can manage all your retirement savings in one place, reducing the paperwork and administration. You might be able...

  Well the champagne corks may not be popping, but it really is important that as we all start a new financial year that we ensure that we are maximising our tax free allowances. Most allowances got better and if you maximised every allowable allowance and tax relief you could earn up to £43,250 tax free in this new tax year*  A few of these allowances are a little obscure, but as a summary the main ones that the majority of people could utilise are: The amount you can earn tax-free as an employee increased to £12,500 The dividend allowance remains at...

There’s no denying that whatever your viewpoint is on Brexit, the uncertainty around when the UK will leave the EU, and the terms under which it may happen, is causing property market jitters. EU leaders voted in the early hours of this morning to extend the UK’s Brexit deadline again, this time until 31 October. What might a no-deal Brexit mean for house prices? While MPs have repeatedly voted against the UK leaving the EU without a deal, the results are not legally binding. A no-deal Brexit remains the default position if an agreement cannot be reached between the UK and EU. Many business...

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 Automated Advice The straightforward and affordable way to invest We are all aware of the need to invest in our financial futures and we are becoming increasingly comfortable with buying products online. If you are looking for a straightforward and affordable way to invest into an ISA or a General Investment Account, then using Automated Advice is the answer. Automated Advice provides an easy to use online process to ensure your investments match your personal requirements.   A simple and straightforward way to invest This quick and easy online process allows you to invest with no initial fees. Answer a few questions about your attitude...