Financial planning – What are the key Leasehold Property issues?

February 12, 2018

If you are looking to buy property Enable’s IFA’s in Bishop’s Stortford can try and help you find the right financial solutions. Financial planning is one thing but there is always a lot to think about when buying any property. Things can be particularly complicated with leasehold tenure. What is a leasehold? With a leasehold purchase there are four additional factors that you need to... more >

2018 Easter Egg competition T’s and C’s

February 9, 2018

2018 Easter Egg competition T’s and C’s... 1. Competition entries must be handed in at one of the participating companies listed below, or to Enable Independents office by post or by a person.  One entry per named minor. The named minor must be under the age of 11 on 22nd of March 2018. Applicants must live within a 15 miles radius of Bishop’s Stortford Participating Companies includ... more >

Keep on top of your pension payments

Pensions are top of many peoples financial planning agendas and Enable’s IFA’s in Bishop’s Stortford know it is never too late to start saving. Workers in their 50s still have time to build up a bit of a nest egg as it is likely that many will be working until their late 60s. Every £1 saved into a pension will give you a bit more in retirement. And you can always put in more than the minimu... more >

Financial planning – Rent-a-room tax relief

February 7, 2018

Enable’s IFAs in Bishop’s Stortford always recommend that you are aware of any tax advantages in financial planning, such as the rent-a-room tax relief. It is interesting to see that the government is looking for responses from anyone with evidence on rent-a-room relief. This follows on from the announcement to better target it towards longer-term lettings in the 2017 Autumn Budget. So how ... more >

Intense mortgage competition in the market place is good for first time buyers

February 2, 2018

Recently the Bank of England reported that in the final three months of 2017, the difference between the central bank’s base interest rate and the average mortgage rates charged to borrowers “narrowed significantly”. Enable’s experienced IFA’s in Bishop’s Stortford know this means borrowers, especially first time buyers are beginning to benefit from intense competition on the high stre... more >

ISA allowance: Moneywise Stocks and Shares ISAS

January 30, 2018

Enables’ Independent Financial Advisors clients in Bishop’s Stortford will know that cash ISAs have not been delivering.  But that does not mean all ISAs don’t, a recent users, poll reveal that Stocks and Shares ISAS have been the most used ISA in this tax year. Moneywise asked which, if any, ISAs have you used in the 2017/18 tax year and nearly a third (32%) of responder... more >

State pension problems? How much do you need to save for retirement?

January 29, 2018

Enable’s IFAs in Bishop’s Stortford have the same concerns as many of you that the state pension might not be there for ever. Many plan for the state pension to part of their retirement package but some Government advisers think the National Insurance Fund, which pays state pensions and other social benefits, might run out of money during the 2030’s. Pension’s technical director at Ret... more >

Pay down debt this New Year by consolidating your credit

January 15, 2018

Enable’s IFA’s in Bishop’s Stortford always recommend a New Year review of your finances, good personal financial management and planning is vital to long term financial planning.  With “Blue Monday” already upon us there are lots of small things you can build into your day to day financial management to keep down or manage any debt. How to manage your debt If you regularly use yo... more >

20% of landlords plan to reduce property portfolios in 2018

January 14, 2018

Enable’s IFA’s in Bishop’s Stortford know that many portfolios include some property but conditions for landlords have become more challenging in recent times. Data from the National Landlords Association’s (NLA) suggests that some 20% of landlords in the UK’s private rented sector are planning to reduce the number of homes they rent out in the next 12 months. The NLA also revealed th... more >

Retirement – How to avoid pension freedom pitfalls

January 13, 2018

It seems an age ago since pension freedoms relating to retirement were big news. But Enable’s IFA’s in Bishop’s Stortford  still believe it is good news to put savers in control of when and how to spend their hard-earned cash that's why it's important to avoid pension freedom pitfalls, because with all that choice there are a few more pitfalls to navigate. If you are approaching 55 it is wi... more >