Autumn Statement 2023 – Key Points
Jeremy Hunt delivered his much anticipated Autumn Statement on 22 November 2023. Introducing national insurance cuts, and changes to pensions and investments, the chancellor is focused on long term economic growth, while inflation remains high. Our Key Takeaways from the Autumn Statement: National Insurance cut The main rate of Employee NICs (National Insurance contributions) […]
Mortgage Insights this Autumn | Financial Advice
In this piece, our mortgage experts discuss the emerging trends and latest market developments within the industry, this Autumn. Read on to learn more about interest rate fluctuations, the reality of the Scottish purchase market and what the team have to say about re-mortgages. What’s trending in Mortgages – Autumn 2023 As the seasons begin […]
Returning Expats | Financial Advice
In this blog, our Director (Sales and Development), Kristofor Banks, shares his personal experience discussing the financial considerations for returning expats. The Returning Expat! Having recently repatriated to the UK from Singapore, I was struck by the amount of “work” required to make such a move. I left the UK in 2012 kicking and screaming, […]
Fees: What You Need To Know
In this piece, Brooke Armstrong, who is currently completing her undergraduate degree in Financial Services, breaks down how and why we charge fees as Financial Planners: Fees are the remuneration or charges paid to a financial planner/adviser for his or her services. They come in various forms and will always be transparent and laid out […]
5 Reasons to Consider Income Protection
With the cost-of-living crisis squeezing household incomes and many individuals and families having to make tough decisions about what they spend their money on, there is a risk that income protection is seen by many as an unnecessary luxury, rather than arguably the most essential insurance anyone could have. Income protection is an insurance policy […]
Autumn Statement 2022
The Chancellor of the Exchequer, Jeremy Hunt, presented the Autumn Statement to Parliament earlier today. This Autumn Statement follows Kwasi Kwarteng’s September ‘mini-Budget’ which Mr Hunt effectively cancelled on becoming Chancellor and takes place against a backdrop of talk of a return to austerity at the same time as the UK seems to be […]
New Director: Barry McKenzie
We are pleased to officially announce that on the 1st of September, Melville Independent Plc welcomed Barry McKenzie to the board of Directors. Barry has worked with Melville since its inception in 2011 and is now stepping up from his Senior Financial Planner role. His experiences and expertise in personal financial planning along with […]
What’s happening with Mortgages and House Prices?
Raymond Milne, Operations Director at Melville Independent Plc and Chartered ALIBF asks our top Mortgage Advisers, Bernie Hughes and Alistair Marsh; what is happening right now in the mortgage market? Bernie reports that the Bank of England interest rate could be heading higher than 5% which could mean mortgage rates hitting over 8% in […]
Mini-Budget Snapshot
Chancellor of the Exchequer’s Statement – 23 September 2022 The Chancellor of the Exchequer, Kwasi Kwarteng, made a Statement to Parliament earlier this morning on the government’s plans for growth. This Statement, which has been called a ‘mini-Budget’, is the first fiscal event of Liz Truss’s premiership and takes place against a background of continuing […]
The Melville Independent Plc Internship Programme, with Brooke Armstrong
This summer, Brooke spent six weeks with us shadowing various members of the team to gain a well-rounded and comprehensive experience of the IFA industry. Here’s what she had to say about her time with us: “My time at Melville Independent began with learning how to sort the company correspondence, kindly taught by Christine […]
