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So far trmdirect has created 71 blog entries.

Avoiding scam artists and pandemic opportunists

2021-06-02T15:22:10+00:00June 2nd, 2021|General tips|

2020 sadly, saw opportunities for fraudsters and scam artists rise. In a study from LexisNexis Risk Solutions July-December 2020 saw a 15 percent rise in transaction volumes across financial services, and mixed with an increase of new-to-digital consumers, and channels and opportunities to exploit, it's now more important than ever to know what to look [...]

Is insurance a necessity or a luxury?

2021-06-02T15:14:53+00:00June 2nd, 2021|Critical illness cover, Income protection, Insurance, Life insurance, Mortgage payment protection insurance|

"Insurance" wears many faces, from pet insurance to mortgage protection, but how necessary is it to insure our valuables and essentials? Some may view insurances as luxury expenses, to add only if you have enough disposable income to play with, but what if the worst should happen? According to the Association of British Insurers* [...]

Could equity release be the key to raising deposits for first time buyers?

2021-06-02T15:09:04+00:00June 2nd, 2021|First time buyer, Lifetime (equity release), Mortgage|

The second half of 2020 saw a 19% increase in the number of Equity Release products sold over the first half of the year, according to the Equity Release Council*. These figures show the robust nature of equity release, and demonstrate that more and more people are looking to money locked up in [...]

Has the pandemic caused you to miss mortgage payments?

2021-06-01T14:01:28+00:00June 1st, 2021|Mortgage|

Furlough and redundancies have contributed to significant reductions in incomes across the last year, so what if you're struggling to make payments on your mortgage as a result? Getting into arrears on your mortgage can be a scary prospect, but don't panic, realistically lenders can't pursue repossession unless all other reasonable attempts to resolve the situation [...]

Do you want to help your relatives get on the property ladder?

2021-03-30T13:26:16+00:00March 30th, 2021|First time buyer, Lifetime (equity release), Mortgage|

In 2020, older homeowners released almost £755 million of equity in order to help younger members of their family meet a range of costs including supporting them with an average of £42,500 to use for a house deposit.* This new research helps illustrate the extent to which younger buyers are being supported by [...]

Homeowners, could you be saving more than £2,000 on average this year?

2021-03-30T13:20:32+00:00March 30th, 2021|Mortgage, Remortgage|

For the majority of homeowners, a mortgage is their biggest monthly outgoing, yet almost a third are not aware of how much they pay in interest each month. In recent research, it has been found that British homeowners could save more than £2,000 on average this year by remortgaging to a fixed-rate product [...]

Our top tips to help transform your week at no cost

2021-03-30T13:13:58+00:00March 30th, 2021|General tips, Timely support|

These days many of us don’t have access to our regular coping mechanisms. But there are still ways to shake a bad week, bringing yourself some comfort and solace during overwhelming times. Having a rough week? Consider trying these tips out to turn it around. Is there a hobby you've stopped  since [...]

How to access help while supporting an over burdened healthcare system

2021-03-30T13:04:24+00:00March 30th, 2021|Insurance, Private medical insurance|

Are you one of the many who are still awaiting care that's not related to the pandemic?New data from BMA* indicates that the shutdown of most non-COVID-19 services in the first wave, combined with drastic changes in patient behaviour, mean the NHS is now facing a large backlog of non-COVID-19 care, storing up greater [...]

When should you get a mortgage and insurance adviser?

2021-03-03T14:32:38+00:00March 3rd, 2021|Insurance, Mortgage|

A Mortgage and Insurance adviser is there to help you be on your best financial game from the start, whether it's helping you find a mortgage, protect your income, or select the right insurance for your own business. A mortgage and insurance adviser will go through your requirements, and as they have access [...]

We need to talk about debt

2021-03-03T14:39:47+00:00March 3rd, 2021|Buildings & contents insurance, Insurance, Mortgage, Product transfer, Remortgage, Secured loan (second charge)|

We are walking into a "debt crisis" according to a new report by Step Change. The research shows that 1.2 million people in the UK have faced serious financial issues, including a fall behind on essential bills, and the more common use of credit cards to make debt repayments during the pandemic. The [...]