Choosing between mortgage overpayments and investing isn't just about mathematics, it's about balancing guaranteed returns against growth potential while considering your personal risk tolerance and financial goals.
The UK Budget 2025 leaves stamp duty unchanged for first-time buyers but introduces significant changes to savings limits, launches a consultation on replacing Lifetime ISAs, and provides cost of living support measures that could free up more money for deposit saving.
Strategic debt refinancing requires careful analysis of break-even points, debt types, and personal financial goals to determine when restructuring makes genuine financial sense.
Equity release lets UK homeowners aged 55 and over unlock tax-free cash from their property without selling, but it’s essential to understand the risks, protections, and alternatives before deciding.
