‘Secret Accounts’ slow the probate process

The importance of leaving your affairs in order. According to the first Bereavement Index from probate software specialist Exizent#, many people fail to put their financial affairs in order before they die, leaving behind a ‘financial mess’ and a stressful experience for those tasked with administering their estate. The Index revealed that one in seven […]  Continue reading

Mortgage Guarantee Scheme reassures lenders

Launched in April 2021, the government guarantee scheme for 95% loan to value (LTV) mortgages has been welcome news for prospective homebuyers with a 5% deposit. The scheme offers a government ‘guarantee’ on 95% LTV mortgages to encourage cautious lenders to bring back these deals. The guarantee applies to the portion of the loan over […]  Continue reading

We’re still here to help!

Despite the ongoing restrictions, now extended to 19 July 2021, our business is continuing to operate fully to ensure that we can provide help and assistance to our clients. We’re open Mon to Fri, 9am til 5pm, and we can be contacted on 0808 1234 321 or using info@logic-wp.com. For clients who wish to meet […]  Continue reading

Retirement finances: Let us help you take control

Two pieces of research have again highlighted consumer confusion and concerns around pension provision and thereby the necessity for people to take control of their retirement planning. STATE PENSION OVERESTIMATED Firstly, a survey by Which?6 found that three in ten people overestimate their future state pension income, some by almost £50,000 over the course of […]  Continue reading

Planning to retire in 2021?

Whether you had always been planning to retire this year, or COVID-19 has forced your hand, it’s never too late to get organised. We believe that retirement is something to be looked forward to after a lifetime of hard work – so don’t let it be overshadowed by financial concerns. We can help you quantify […]  Continue reading

Sorting out your mortgage during divorce

Divorce can be an incredibly stressful time for couples and the financial impact it can have only adds to the pressure. The number of couples getting divorced surged by almost a fifth in 20195. Although data for 2020 has not yet been released, after the strains of the last year or so, unfortunately it would […]  Continue reading

When does the stamp duty holiday in England and Northern Ireland end?

Looking to avoid stamp duty ? House hunters are taking advantage of lockdown rules to travel hundreds of miles to view homes, according to estate agents. This is because many buyers are keen to take advantage of the stamp duty holiday which is due to end on 31 March 2021. If you’re looking to buy […]  Continue reading

Mortgage market is more robust than many thought

Observers of the UK house buying market could be forgiven for thinking that 2020 could be one of its worst years, but the country’s mortgage market is more robust than many thought.  Continue reading

House prices hit record highs

Investing in bricks and mortar has always been attractive, even during economic downturns. We all need somewhere to live, and in October house prices hit record highs.  Continue reading

Residential property review

Our monthly property review is intended to provide background to recent developments in the residential property market as well as to give an indication of how some key issues could impact in the future.   Continue reading

Where next for the housing market?

Interest rates are rock bottom, inflation is lagging economic targets and forecasts, but house prices are rising again. Can this continue, and where next for the housing market?  Continue reading

How we buy houses has changed

How we buy houses has changed in recent decades. Finding the right mortgage for that dream home or investing in property is increasingly difficult, especially with recent challenges.  Continue reading

Last chance for Help to Buy ISA

First-time buyers of the future need to be quick if they want to benefit from a £3,000 bonus towards purchasing a property. The last chance for Help to Buy ISA applications is Saturday 30th November 2019.  Continue reading

Cover those mortgage payments

Your home is part of your overall wealth portfolio. If you’re about to buy or do not own your property outright, you should take steps to ensure that you can always cover those mortgage payments.  Continue reading

Interest-only mortgage? Start planning now…

An interest-only mortgage helps to keep monthly costs down, but can cause problems when the term ends. Start planning now to have all financial bases covered.  Continue reading

Logic celebrates International Women’s Day

Logic celebrates International Women’s Day   These days, women can achieve anything men can – in sport, business, socially and during retirement. It wasn’t always that way. International Women’s Day celebrates the progress made, but calls for continued action to achieve gender parity in all aspects of life. International Women’s Day has been marked for over […]  Continue reading

Do I have enough life cover ?

Do I have enough life cover ?  How well are you and your loved ones protected ? Many people take out a life policy, perhaps when they take out a mortgage, put it away in a drawer and don’t think any more about it. This can be a mistake, as the level of cover you took […]  Continue reading

Where will you live in Retirement?

WHERE WILL YOU LIVE IN RETIREMENT ? Later-life housing is a growing market, with around 60% of projected growth in households over the next two decades set to be among those aged 65 and over# Moving home at any age is almost always a stressful and emotionally-challenging time, and arguably the longer you leave it, […]  Continue reading

Independent Financial Advice – How can we help you

Independent Financial Advice – How can we help you ? If you haven’t used the services of an Independent Financial Adviser (IFA) before, here are some more details of who we are, what we do and the kind of help we can give you.  Based in Heywood, Greater Manchester, Logic Wealth Planning was set up […]  Continue reading

Six Major Tax Changes effective from 6Apr 2017

Six Major Tax Changes effective from 6Apr 2017 The arrival of the new tax year on April 6th 2017 brought a whole range of changes Here we summarise them for you –   Personal Allowance goes up  The personal allowance – the amount you can earn before paying income tax – will rise with the […]  Continue reading