Mortgages are the largest single transaction in most people’s lives. Buying a property can be a stressful and time- consuming experience, and nowadays the financing of a mortgage is much more than just selecting the lowest interest rate. Fees, charges, terms, flexibility & penalties amongst others all need to be considered.

Making your will is one of the most important things you will ever do. Any of us could die tomorrow or sooner. And if we did, what would happen to our loved ones? Having worked so hard to provide for them, it would be a double tragedy if they were to inherit less than their due.

We are known in Britain as being a nation of homeowners and in recent years for many people their homes have become a valuable asset. However, it is more than just the value of bricks and mortar-it represents both security and a haven.