Why you should top up your ISA before the tax year end?

An image showing a woman saving in to her ISA while watching the clock to signify the tax year end from Bloomfield Financial Limited

You have until the 5th April to use or lose your ISA (Individual Savings Account) allowance for the current tax year… you’ve probably heard this already …but if you don’t know what an ISA is and why it’s valuable then this article is for you. What is an ISA anyway? ISA or Individual Savings Account […]

The Christmas Hangover….debt!

Discarded Christmas Tree

  Christmas is over and done with for another year and the tree has been taken down in the Bloomfield Household. It was a lovely Christmas seeing the children open their presents and get excited at all the lovely new toys they had received. The shopping was predominantly done by me this year and to […]

The Bank of Nan and Grandad

Bank Of Nan and Grandad

Last year the BBC  reported that the age of an average first-time property buyer was now between 27-34 depending on where in the country you happen to live. It’s not that surprising that the age has been creeping up over that last couple of decades as house prices have increased exponentially and wages haven’t it […]

What is an interest only mortgage?

InterestOnlyMortgage

What is an interest-only mortgage? If you’re currently arranging or rearranging a mortgage you might have come across the term ‘interest only’ and you might even be wondering why the payment quoted for ‘interest only’ is so much lower than for a repayment mortgage. As I’m sure you know when a mortgage lender issues you […]

Financial Planning – Free Initial Consultation

7 Financial Planning Steps

Financial Planning is our premier service and is for people who are serious about taking control of their money. Is that you? The Financial planning process covers all aspects of your financial life. Accept my help to construct your financial plan you will experience many benefits; You will define your financial goals. You will discover […]

An ISA is not a product!

Shopping Bag ISA

In this time known to financial advisers as ISA season, I hear a lot of people who don’t normally talk finance talking about ISAs and generally have little interest in financial planning. A very smart man just said to me earlier this evening – “A guy on the radio said I should buy an ISA […]