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I’ve got £3,000 and want to save it for 2 years. Where shall I put my money?
It’s great that you know how long you want to lock this money away for. You can take advantage of fixed-term saving accounts that offer higher interest payments than an easy-access account. Here's a…
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I’ve got £3,000 and want to save it for 2 years. Where shall I put my money?
It’s great that you know how long you want to lock this money away for. You can take advantage of fixed-term saving accounts that offer higher interest payments than an easy-access account. Here's a…
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Do I have to pay the asking price of a property or can I barter?
Once you have found your ideal home don’t be scared to make an “offer”. The asking price is just a guide and in certain areas it may be a buyers’ market with many properties…
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Do I have to pay the asking price of a property or can I barter?
Once you have found your ideal home don’t be scared to make an “offer”. The asking price is just a guide and in certain areas it may be a buyers’ market with many properties…
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How old do I have to be before I can access my pension?
For Defined Contribution pensions – which gives you a pot of money at retirement – 55 is the golden ticket. For Benefit (aka Final Salary) Pensions it’s usually older, around 65. But no one can force…
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What fees will I have to pay when I buy a house?
Unfortunately, it's not only the deposit you have to save for there are also fees and some may surprise you. These include: Stamp duty… as in tax paid to the government depending on the value of the…
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How can I improve my chances of getting a mortgage?
Check your credit file to ensure that it is correct and complete. It should contain at least six years address history and your name, current address and date of birth should be correct. If you…
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How to start a personal budget that works for me?
This can be done in 4 simple steps: 1. Write down all your necessary monthly expenses, think: rent/mortage, home bills, commute to work, nursery school fees … And, add these up. 2. Subtract the total…
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Do I have to pay tax on any interest I earn?
The government consider interest as a form of income and they will tax you in the same way as your salary BUT everyone has a personal saving allowance (PSA) which means we can…
ASK MOXI
When you need help with your finances you can come to us.We’re talking pensions, mortgages, investments and savings.Ask your question and one of our experts will provide a trusted answer.