How to secure a competitive interest rate to cut your mortgage costs

We hope you’ve had a fantastic start to 2024.

January has brought some exciting developments for us: We are delighted to announce the appointment of Pat Brogan to our advice team.? We’ve known Pat for many years and he brings immense experience of helping people make the most of their money. To support our continued growth, we also welcome Sam Bright to our client relationship team. Together with Pat and Sam, we look forward to developing our presence in northern Scotland, including the Shetland Islands.

At the beginning of a new year, it’s common to consider your goals. Whether you’re reviewing progress towards existing targets or want to set a new goal, your financial plan may play an important role. A financial review could help align your finances with your aspirations for 2024 and beyond, and it’s something we can help with.

While it might seem far away, the new tax year is just around the corner. On 6 April 2024, many tax allowances will reset. If you’d like to talk to us about which allowances are appropriate for you, please get in touch to arrange a meeting.

We hope you find this month’s articles interesting. They include:??

• “Stealth taxes” will push more than 3 million workers into a higher Income Tax bracket by 2029
• How to secure a competitive interest rate to cut your mortgage costs
• Retirement planning: Should you consider a phased retirement?
• And more…

If you have any questions about your financial plan for the year ahead, please contact us.

From Nadeen, Paul and the team at Spectrum