Michael Franks - Financial Adviser

07/05/2020

If anyone is looking to sell soon, I can thoroughly recommend James Anthony Keegan and his team who recently sold my house

Estate and Letting Agent in Northampton. Free Instant Online Valuation from James Anthony Estate Agents

05/04/2018

If you are currently paying the minimum contribution into your workplace pension, you should be aware this will rise from 1% to 3% this month, then again from 3% to 5% in April 2019. Your employers minimum contribution will rise to 2% this month, and to 3% in April 2019.

13/11/2017

If you are a member of your auto enrolment pension scheme at work, make sure you are ready for the minimum contributions to rise from 1% to 3% in April 2018, then again in April 2019 they rise to 5%. Your employer will see an increase in the minimum contributions too, rising from 1% to 2% in 2018 and 3% in 2019, meaning a minimum of 8% contribution going into your pensions after April 2019.

07/11/2017

Great to hear from Sir Clive Woodward on his sporting and business achievements at the Personal Finance Society festival today.

12/09/2017

If your mortgage is currently on the standard variable rate, take a look at this article to see if it makes sense for you to switch to a fixed rate, or get in touch with me and I can look at the various options for you.

http://www.moneysavingexpert.com/mortgages/fixed-discount-mortgage-guide

06/07/2017

This week I have helped a first time buyer who was turned down by her bank for a mortgage as the income was slightly too low to borrow what was needed, but I looked into it, and due to a confirmed pay rise within the next 3 months, I have had the mortgage approved and offered a few days later by the same lender that initially declined, a very happy client.

I have also helped a couple moving house who were turned down by their current lender who is also their bank, as they use the overdraft facility too regularly, I have got them approved by another lender with a deal that saves the clients £313 over the course of the 2 year fixed rate period.

Talk to an independent broker to see what options are available, rather than restrict yourself to what is on offer from one particular lender.

P.S.. I am a mortgage broker, so you can talk to me if you like!

13/06/2017

A good article explaining the main advantages of using a mortgage broker.

https://moneyfacts.co.uk/guides/mortgages/why-use-a-mortgage-broker180511/