Help to Buy – ISA deadlines 

November 13, 2019

If you're looking to open a Help to Buy ISA, Enable’s IFAs in Bishop’s Stortford suggest not to wait until right up to the deadline. If you are looking to buy property a Help to Buy ISA is a type of tax-free savings account, but its key benefit is that the government add 25% on top of what you save (up to £3,000) when you buy your first home with the money you've saved. There are a few rul... more >

Re-mortgage options – Are you looking for a better deal?

November 11, 2019

If you want to change your current mortgage Enable’s IFAs of Bishop’s Stortford can help you look at your options. If you already have a mortgage on your home you can be looking to re-mortgage for a wide variety of reasons. You may be approaching the end of your current deal, or your deal is no longer right for you, you might want or need to try and cut some costs, or be looking to consolidate... more >

Greening your finances

November 7, 2019

Earlier in the year Enable’s experienced IFA's of Bishop's Stortford had noticed that several Danish pension funds were all set on greener investment goals. Several of their pension funds have been taking measures to reduce the climate impact of their investments, setting new targets and excluding more companies from their portfolios. The pension fund PenSam, which provides pensions for publi... more >

Auto-enrolment pensions success – 25% rise

November 5, 2019

Enable’s IFA's in Bishop's Stortford know that auto-enrolment pensions have brought savers attention to pensions. Ten million more people are now saving into pensions with big rises in private sector staff, the young and ethnic minorities. Less than half of private-sector workers had a pension in 2012. Now more than 85% do. This is being hailed as a success by regulators and financial experts. ... more >

Pension tax rules are complex

October 30, 2019

Enable’s IFA's in Bishop's Stortford agree with Helen Morrissey, pensions specialist at Royal London, that our current pension tax system can feel very complex. Saving for a pension is important and understanding the tax rules around pensions are equally important in financial planning. Recent CPI inflation figures have given a welcome boost of almost £18,000 to the Pension Lifetime allowanc... more >

The new lottery-style savings scheme 

October 28, 2019

The Government has recently created a new pilot PrizeSaver scheme. It works much like Premium Bonds only on a smaller scale where savers can win £5,000 from just £1. Enable’s IFA's can see that it is aimed at trying to reward savers with the chance of a monthly cash prize. If it proves a success the ‘PrizeSaver’ scheme will be expanded. Currently, PrizeSaver is only available through 15... more >

Win a 6ft Nordic Christmas Tree for Christmas

October 21, 2019

We are delighted to announce this year's Christmas competition to win a 6ft Nordic Christmas Tree delivered to your door before Christmas. T's and C's do apply, please see below. T's and C's for our Christmas Tree Competition for primary school children aged between 4-11 years old, they must have adult permission to enter this competition. One lucky winner will WIN a 6ft Nordic Christmas Tree -... more >

Have you considered a holiday let retirement boost?

October 17, 2019

Part of many peoples retirement plan has been to become a landlord. Enable’s IFAs have had many conversations about how the UK Government has made it harder for buy-to-let landlords. This means that people are looking to find other sources of income to help boost their retirement income. Some people have been turning to holiday lets to see if they can generate the income they want in retireme... more >

How to retire comfortably – make sure you save enough

October 15, 2019

Enable’s IFA's in Bishop's Stortford know that we all want to find ways to retire comfortably. But if you are worrying that you might run out of cash in your old age or that you are not saving enough for your retirement you are not alone? One recent study by the Pension and Lifetime Savings Association found that more than half of us (56%) are not confident that we will have enough put away t... more >

Spending in retirement

October 10, 2019

When we are wondering what we will be spending in retirement it makes sense to look at the whole picture. Enable's IFAs in Bishop's Stortford can help you look at what your retirement cash needs might be. For many, it is easy to think that once we have saved and invested enough to keep us going in our golden years, the job is done. But its only half done as it is vital to consider how to take this... more >