2019-03-19 13:33
£4000 could buy you a car, a family holiday or perhaps a kitchen or bathroom renovation. But it’s not every day that we find that money spare. S Read More
Blog Directory > Finance Blogs > SoSmart Money - SoSmart Money finance Blog >
2019-03-11 12:19
Many people move home in their 50s, but how easy is it to get a mortgage as an older borrower?
Once your children have flown the nest it’s Read More
2019-03-04 11:16
Spring is traditionally the time when the property market comes to life with buyers and sellers hoping to make a new start.
Wi Read More
2019-02-25 18:57
More than 780,000 new mortgages were approved in 2018 [BSA, Jan 2019).
This may sound like a lot but this is just a percentage of actual app Read More
2019-02-17 18:56
Wouldn’t you love to be able to pay off your mortgage early and free up your debt? Imagine that feeling of being completely mortgage-free Read More
2019-02-10 17:24
Compared to many insurance policies, life insurance is actually pretty affordable. However there are still steps you can take to try and keep the p Read More
2019-02-04 14:27
Most of us are highly unlikely to bump into a celebrity on the school run or popping out to buy a pint of milk and a newspaper. Although that doe Read More
2019-01-27 22:10
Sky high property prices and the cost of living make buying a home a daunting prospect for many homebuyers. In order to save every penny, more and Read More
2019-01-22 11:54
Ready to buy your first home? Buying property is one of the biggest financial commitments you’ll ever have to make so make sure you’v Read More
2019-01-13 22:00
If your current mortgage deal is about to end then it’s definitely worth checking the latest offers to see if you can move onto a better rate Read More
2019-01-09 09:10
For a lot of us UK homeowners, saving money on our monthly outgoings is a top priority. With rising living costs, stagnant salaries and the uncer Read More
2019-01-08 11:30
If you’re classed as an employee, it’s likely you’ll have a sick pay scheme in your employment contract. Employers are required b Read More
2019-01-07 11:30
It’s a new year, if you’re thinking of setting yourself a resolution to purchase a property this year then set some financial goals. Ge Read More
2019-01-06 21:56
If you’ve taken out a life insurance policy, you’ll have done so because you’re looking to offer financial protection for your family after y Read More
2018-12-18 15:07
The economy and future of Britain is currently hanging on the Brexit deal amidst concerns of uncertainty. With speculation over the outcome, survey Read More
2018-12-16 19:56
If you have a lot of outstanding debt, you may have looked at different ways of paying it off. One way could be to refinance your mortgage in order Read More
2018-12-11 15:18
Getting a mortgage over 55 and into retirement can be as daunting as first getting on the property ladder. With increased property values and large Read More
2018-12-10 20:46
If you’ve decided that your new year’s resolution is to save for a deposit then you’ll need to work out how to go about it. As a first-ti Read More
2018-12-02 20:58
If you’d like your children to inherit some of your wealth, then you may be faced with the penalty of inheritance tax, however if you are savvy Read More
2018-11-28 17:00
If you’re looking to purchase but worried about a CCJ, then you may be under the assumption that no lender will make you an offer. However, g Read More
2018-11-26 21:04
If the demands of maintaining a large house and garden are proving to be a challenge then you may consider downsizing to a smaller property. If you Read More
2018-11-22 16:28
Saving for a deposit is a worry for a lot of first time buyers. Even with government assistance like help to buy, you still need a 5% deposit. The Read More
2018-11-22 11:24
The average age of UK first-time buyers is 30 years old, and nowadays many people aren’t settling down until later on in life. Stepping on to the Read More
2018-11-19 18:52
Whilst online estate agents are relatively new kids on the block compared to their high street counterparts, more and more people are choosing to u Read More
2018-11-11 21:12
The number of mortgage approvals has fallen to a seven-month low, but what does this mean for the housing market?
According to UK Finance, m Read More
2018-11-08 14:41
Owning your first home for 25-34 year olds has decreased in the past 25 years due to rising house prices and the cost of living. Fewer young adults Read More
2018-11-04 21:53
Despite the fact that the Bank of England base rate rose again earlier this year, mortgage rates are still highly competitive with many homeowners Read More
2018-10-30 14:42
On Monday the 29th October, Chancellor, Philip Hammond revealed the 2018 budget. All this ahead of the final Brexit negotiations and following from Read More
2018-10-30 14:33
With property prices having risen at a record rate over the last ten years, many first time buyers are left feeling that their goal of owning a hom Read More
2018-10-22 20:53
Having bad credit may be a worry when it comes to looking for a mortgage. Anyone who has been through the process of getting a mortgage will know Read More
2018-10-17 19:10
Critical illness insurance is designed to pay out a tax-free lump sum if you are diagnosed with a critical illness. It’s not considered essential Read More
2018-10-17 11:31
Saving money is all about changing your habits. If you’re spending more than you earn, then you can change your finances without necessarily cutt Read More
2018-10-08 09:45
It can be a challenge to sell your home in the dreary winter months, when everything looks a bit drab and grey. However, not everyone can wait un Read More
2018-10-07 20:58
Being completely mortgage free at a relatively young age may seem like a pipe dream, particularly when typical mortgage terms last for around 25 to Read More
2018-10-07 11:10
If you’re looking to better understand your mortgage, or you’re confused by a mortgage term, then check out our handy glossary and break throug Read More
2018-10-05 10:43
After the news of the base rate rise, lenders have jumped on the opportunity to draw customers in with competitive benefits such as cashback mortga Read More
2018-10-04 10:23
Credit report
We’ve all heard it a hundred times before, but why is it so important to have a healthy credit score? And why is it vi Read More
2018-10-03 10:05
It’s 2018, if you have any kind of lifestyle problem, from organisational to personal, then there’s probably an app for it, even to improve yo Read More
2018-10-02 09:32
So you’ve found your dream home and want to apply for a mortgage. It’s at this point that most house-hunters hit their first major hurdle – g Read More
2018-10-01 13:03
Data from the Your Move England & Wales House Price Index shows which Read More
2018-10-01 08:00
I must admit: I’ve often wondered what having a million pounds would feel like.
Whether in the wallet or on the bank statement – Read More
2018-10-01 08:00
Equity Release is a term that refers to ways in which you are able to use your home as an asset to generate money. To avoid the stress of a home mo Read More
2018-09-30 19:53
There is more to choosing a loan than getting a quick injection of cash – picking the right type of loan could make your borrowing much cheap Read More
2018-09-25 13:03
When you’re living a busy lifestyle, it can be easy to neglect your health and wellbeing. However, there are loads of health hacks and tips y Read More
2018-09-24 21:04
The Help to Buy scheme was a government initiative introduced in 2013 to assist thousands of buyers to purchase their dream home. Many first-time b Read More
2018-09-16 19:17
Switching your mortgage to a different lender has the potential to save you thousands over the term of the deal – however it’s also importa Read More
2018-09-14 07:52
If you’re looking to increase the value of your property, remortgagin Read More
2018-09-12 14:40
Whether you’re looking for a builder to refurbish your kitchen, add an extension or remodel a room, then Read More
2018-09-09 20:34
As a first-time buyer, there is plenty of guidance to be found online to help you take your first steps onto the property ladder. But what about wh Read More
2018-09-02 20:36
If you have a mortgage do you know what your current interest rate is? Many homeowners don’t even realise that they are paying their lender’s s Read More
2018-08-27 20:09
Are you on the lookout for a better interest rate on your mortgage? If the time has come to remortgage you may be tempted to stick with the same Read More
2018-08-19 19:11
If you are a homeowner with enough equity in your property, a secured loan could give you access to a lump sum of money which can be used for any p Read More
2018-08-19 15:36
It’s not surprising that many people in the UK aspire to be property developers. The market for flipping properties may seem like a path to a qui Read More
2018-08-18 15:28
If you’re looking to make a large purchase, you may be wondering whether it is best to use a credit card or take out a personal loan. Life is unp Read More
2018-08-14 13:38
You might think you have found a trusted bank or mortgage lender that is looking out for your best interests but there still may be things that the Read More
2018-08-12 19:59
If you’re looking for a mortgage, then you may have come across the term offset mortgage. But what does this mean and will it be right for you? Read More
2018-08-12 09:26
There is no hiding the fact that moving home can be a very stressful time, so anything that you can prepare in advance ma Read More
2018-08-07 08:00
To obtain a mortgage, most banks and building societies ask you to make a deposit, which is a specific percentage of the amount you wish to borrow Read More
2018-08-06 08:00
The current minimum wage in the UK for over 21’s is £7.05, but with the rising cost of house prices, what are the prospects for these aspiring l Read More
2018-08-05 19:04
Worries about not being accepted for a mortgage keeping you awake at night? Here are some top tips to increase your chances of a successful appli Read More
2018-08-02 11:43
The much speculated interest rate rise has been announced and as widely anticipated the Bank of England have raised the base rate from 0.5% to 0.75 Read More
2018-07-30 19:00
Feel like you are paying out too much on your mortgage every month – here a few tips to help reduce your mortgage payments, saving you money Read More
2018-07-30 10:34
Buying your first home is an exciting prospect, but the application and saving can be stressful for first-time buyers. If you’re looking to apply Read More
2018-07-25 08:44
In 2017 there were a reported 4.8 million self-employed people in the UK – an increase from the 3.3 million in 2001*. With regulations for lender Read More
2018-07-24 08:40
You may have heard some life insurance myths that simply Read More
2018-07-22 18:22
We all have those restless nights when we struggle to get to sleep, but when this happens on a regular basis it can be much more of a problem. Wh Read More
2018-07-19 08:30
As the Bank of England rate rise looms, the next meeting of the Monetary Policy Committee in August could mean the predicted rate rise is not far a Read More
2018-07-18 15:21
Buying a home or finding a new mortgage can be a daunting and lengthy process. However, there are positive news stories circulating in the mortgage Read More
2018-07-18 08:10
For a lot of us UK homeowners, saving money on our monthly outgoings is a top priority. With rising living costs, stagnant salaries and the uncer Read More
2018-07-17 02:45
Getting on the property ladder can seem like a huge hurdle when you have to save for a large deposit from scratch. However, there are lots of tips Read More
2018-07-16 14:04
If you’re confused about credit, what it is, what it means for you, or how to improve your credit rating then look no further – here is a helpf Read More
2018-07-15 19:32
The Prime Minister recently announced a huge financial boost for the NHS by increasing its budget to £20bn by 2023. Whilst this sounds like grea Read More
2018-07-09 15:07
You might be thinking you need to remortgage to save money on repayments, release equity from your property or to pay your mortgage off quicker. Wh Read More
2018-07-08 14:19
For many homeowners, taking out a fixed-rate mortgage deal can often seem like the most sensible option.
A fixed-rate mortgage can be a grea Read More
2018-07-03 13:56
With increasing house prices, larger deposits needed for a mortgage and high Loan to Value’s (LTVs) being unappealing to lenders, single person p Read More
2018-07-03 11:40
With schemes such as help to buy, and the abolishment of stamp duty this year for some first-time buyers, help is out there for some who dream of t Read More
2018-06-26 09:10
Buying a home is a lengthy and sometimes frustrating process, so being declined for a mortgage can therefore make all that effort and time seem Read More
2018-06-24 19:46
With pensions not what they used to be, people are starting to think of other ways of investing their money and as you can imagine property is top Read More
2018-06-20 10:48
We all know that exercise is good for you, but what is so good about running?
Did you know that over 40,000 people ran the London Marathon l Read More
2018-06-19 10:46
If you’re diet has taken a bit of a turn for the worse lately, then summer is an ideal time to kick-start your healthy eating again. We’ve pu Read More
2018-06-18 21:03
Whether you’re doing your home up to sell, or you’ve just bought a home and are looking to redecorate, many of us would like to keep up with th Read More
2018-06-18 10:46
Whilst pre-planning for your own funeral may seem a little morbid, it not only takes away some of the pressure from your bereaved family, but it al Read More
2018-06-14 10:41
A number of people don’t have a life insurance policy through their own choice, but what if you’ve tried to get a policy and been denied? Read More
2018-06-13 10:03
It seems that these days if you’re looking for a bargain weekend break, AirBnB is your go to site for finding a cheap and cheerful place to stay Read More
2018-06-12 10:02
Discovering that you have a critical illness can be devastating.
Not only will the physical and emotional impact be overwhelming for both you Read More
2018-06-11 19:59
Having experience the hottest weather in May since records began, experts are predicting that the sunny spell with last, with the UK basking in the Read More
2018-06-11 10:01
From sitting in rush hour traffic jams, or packed like sardines onto a crowded train after a number of delays, it’s no wonder that most of us are Read More
2018-06-08 09:44
Spring has officially sprung, we’ve had the hottest day of the year so far and it’s making us all feel motivated. If you have a ‘’Spring’ Read More
2018-05-21 09:36
We all know the feeling of annoyance when you look in your inbox to find junk mail from websites you’ve never heard of before, or seeing the unkn Read More
2018-04-16 08:38
Don’t let your bad credit history deter you from your dream of owning a home. The truth is if you have a bad credit history it can mean highe Read More
2018-04-16 08:38
Winter in the UK seemed to last forever this year, and with Spring looking to be just as dreary NHS England data has recorded that A&E waiting Read More
2018-04-16 08:38
Remortgaging is where you take out a new mortgage on the property you own, it can replace your existing mortgage or allow you to borrow money. The Read More
2018-04-16 08:38
buying your first-time home can be an exciting but daunting prospect. With house prices rising and money being tight all around it can seem like ge Read More
2018-04-16 08:38
Life Insurance is designed to cover you and your loved ones in case anything unfortunate should happen. People take out life insurance to pay off d Read More
2018-04-15 20:38
The home buying process can be a lengthy one so in order to give yourself a head start it’s a good idea to try and sort out everything you need f Read More
2018-04-08 19:39
In a recent blog, we talked about Accident, Sickness and Unemployment Insurance, or Read More
2018-04-02 20:04
Accident, Sickness and Unemployment Insurance, often shortened to ASU, is designed to offer your financial protection in the event you are unable t Read More
2018-03-27 14:51
The Easter weekend can be a difficult time for anyone that is trying to be healthy, exercise or lose weight. But that doesn’t mean you can’t jo Read More
2018-03-27 12:14
The Easter holidays are almost here and when someone mentions Easter the kids are undoubtedly going to think about chocolate! But Easter should be Read More
2018-03-26 14:24
For many the possibility of an impending rate rise as early as May this year means your monthly mortgage costs could rise. With the hint from the B Read More
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