Monthly Archives: October 2018


A good Budget for beer drinkers and high earners

This was a Budget that was good for beer drinkers, but not necessarily if your favourite tipple is a glass of wine. Here are some of the key tax changes from the chancellor’s red book: Duty on beer, cider and spirits remains frozen Chancellor Philip Hammond announced duty rates on beer, most cider and spirits [...]

October 30th, 2018|Finance|

Chancellor to reform Help to Buy for first-time buyers

The Government’s flagship scheme to help home buyers is set for a revamp, according to the Budget. The Help to Buy Equity Loan scheme was launched in April 2013, providing a government loan worth up to 20% that supports a 5% borrower deposit on a mortgage for a new build property. That scheme ends in [...]

October 30th, 2018|Mortgages|

The end for pension cold calling?

There is not much more annoying than answering your phone to a cold call, especially if it could leave you open to pension fraud. Scammers often use cold calls to try to get vulnerable or unwary people to transfer their pension savings into unregulated and niche investments offering high and unlikely returns. It is always [...]

October 30th, 2018|Pensions|

What life insurance is best for your joint mortgage?

When you take out a mortgage we would always recommend you take out appropriate life insurance too, so that you know your monthly mortgage payments are covered if things go awry. If you’re buying on your own, a single life insurance plan will probably do the trick, but if you’re going into joint property ownership, [...]

October 30th, 2018|Insurance|

The Orchard Practice Fantasy Football League 2018/19 – Gameweek 9

Please find the latest league table below following gameweek 9 for the 2018/19 season.

October 24th, 2018|Fantasy Football|

Savers in the dark about their pension

Are you among the 30.4 million working-age people who don’t know if their pension pot will be big enough to afford a comfortable lifestyle in retirement? According to a report by the Pension and Lifetime Savings Association (PLSA), some of the blame for this worrying statistic could be down to simply not knowing how much [...]

October 20th, 2018|Pensions|

Risk vs reward

Despite the recent mortgage interest rate rise, savers will still struggle to enjoy any kind of growth on money they have on deposit, leading some to consider a riskier investment. If you're considering investing in the stock market, an important – and very personal issue – is how you feel about the prospect of putting [...]

October 16th, 2018|Investments|