Read the latest news from the Verve Financial team.

Why prospective buyers shouldn’t bet on house prices falling

Taking your first step onto the property ladder is an important milestone in most people’s lives, but the strong housing market growth in recent years has made this difficult. For many young people, it has been increasingly hard to purchase…

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Guide – Your retirement choices: how to generate an income in later life

Since Pension Freedoms were introduced in 2015, retirees have had more choice when they access their pension. However, it also means you have more responsibility for generating an income later in life and it’s important to understand what your options…

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5 useful tips if you want to secure a self-employed mortgage

In recent months, strong demand for houses has resulted in a housing boom. If you’re thinking of buying a property then one of the first steps will be to find a mortgage, which can be particularly challenging if you work…

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Cutting through the jargon: bull and bear markets explained

One of the biggest impacts of the coronavirus pandemic in 2020 was the significant economic downturn in the first quarter, as markets struggled with the shock of the initial lockdown. If you’ve been paying attention to headlines in recent months,…

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How effective use of ISAs can help you to retire early

If you want to retire early, it’s important to plan your finances carefully. Since you are likely to need your savings to support you for a longer period, it’s key to make sure that you have enough. One of the…

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Why prioritising saving over protection can hurt your long-term financial wellbeing

When planning for the unexpected, one of the best ways to absorb financial shocks is to have protection in place. However, recent studies have found that many Brits would prefer to save rather than find appropriate cover. If the pandemic…

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The dangers of DIY investing and the value of seeking financial advice

In recent months, there has been a surge of people getting involved in investing, typically with little financial experience. While there are many good reasons to invest, doing so without being able to make informed decisions can have serious consequences.

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What a 95% loan-to-value mortgage could mean for you

In recent years, rising house prices have made it difficult for many young people to get onto the property ladder. According to figures from the Office for National Statistics, published in the Guardian, one in three millennials…

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Michelle qualifies as a VouchedFor Top Rated adviser

Today, Saturday 10th April, VouchedFor have released their Top Rated guide and we’re ecstatic to announce that Michelle has qualified. This award is a huge honour as the Top Rated guide was created to help identify the very best financial…

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Guide: 10 ways to make the most of your garden in 2021

After a year of lockdown measures, our gardens and outdoor spaces have become far more important. In fact, more than half of people say they get a good deal of pleasure from their garden. With spring arriving, now is the…

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Relief for savers as “tax day” sees government announce no significant tax reforms

Late last year, the government announced that a range of documents and consultations on future tax policies would be released after the Budget. Dubbed “tax day”, these announcements came later than usual this year to allow for greater scrutiny after…

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What would a replacement for Stamp Duty look like?

In 2020, Chancellor Rishi Sunak announced a Stamp Duty holiday in an effort to buoy the flagging housing market. The holiday’s success has led to calls for the tax to be abolished, or at least replaced, to give a further…

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