www.robertnicholas.co.uk


Robert Nicholas Financial Advisers
87 High Street
Newport
Shropshire
TF10 7AY

01952 820155

RobNic_X1612


LATEST ARTICLES

NewsProperty & MoneyRobert Nicholas Financial Advisers

Mortgage Spring Event

Following on from our successful mortgage events in the past, including our popular first-time buyer evenings, we are launching a mortgage event this year for the fifth year in a row. Our special Spring Event will be available to anyone who wants to discuss mortgages and their options for: buying …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

Introducing Lee

Following Steve Graves’ retirement last month, I would like to introduce myself. I started working at Robert Nicholas in November 2015 having gained a university degree in Business & Financial Management. I first began supporting the team of qualified Independent Financial Advisers with the research and analysis required to deliver …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

Retirement

I wrote my first editorial for NOVA Magazine in February 2013. Each month since then, I have written articles on the various areas of financial planning that we, at Robert Nicholas, provide advice on. Accumulation and decumulation One recurring theme has been articles on pensions and retirement. I have usually …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

The increased popularity of annuities

When the new flexible pension rules were introduced in 2015, the demand for annuities significantly reduced. Annuity rates are linked to interest rates and as interest rates were so low, so were annuity rates. However, as we are all aware, interest rates have increased a lot in the last year …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

Mortgage Rates finally down?

Following on from what was, for most people, a surprise that the Bank of England did not increase the base rate at the September meeting, mortgage rates, now as I write, have finally dipped below 5% for 5- and 10-year fixed rate deals. This is partly driven by increased competition …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

Equity Release –€“ a more competitive market

As the country feels the squeeze of the cost of living and comes to terms with the new world of higher interest rates, the equity release market has just become even more competitive. There are new providers entering the market and more flexible products than ever. Traditionally when an equity …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

New Minimum Pension Age

In last month’s issue of NOVA Magazine, I wrote about semi-retirement. Of course, semi or early retirement for most people is only an option if they can access their pension savings. The normal minimum pension age (NMPA) for taking benefits from a private pension was set at 50 when it …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

Semi-retirement, is it an option for you?

Alarge part of our business here at Robert Nicholas involves pensions and retirement planning. A recent study by Quadrangle, on behalf of Aviva, has identified that more than 44% of 55-64-year-olds plan to move into ‘semi-retirement’ before they reach 65, allowing them to draw on their pension savings while continuing …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

The importance of protection

The cost-of-living crisis is affecting us all and as we look at areas to reduce cost, it is important to think about the consequences of cancelling any insurance policies we may have. Life Cover Normally taken out as part of buying a property, but just as equally important if you …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

Mortgage Spring Event

Following on from our successful mortgage events in the past, including our popular first-time buyer evenings, we are launching a new mortgage event this year. Our special Spring Event will be available to anyone who wants to discuss mortgages and their options for: buying your first home, looking to move …

READ MORE →
NewsProperty & MoneyRobert Nicholas Financial Advisers

Pensions and the latest changes

Pensions and Retirement planning is a large part of our business here at Robert Nicholas. We advise clients on the best way to save for retirement, often referred to as the ‘accumulation stage’, and then on how best to take benefits from a pension, referred to as the ‘de-cumulation’ phase. …

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NewsProperty & MoneyRobert Nicholas Financial Advisers

What has happened to mortgage rates?

At the beginning of June 2022 the Bank Of England interest rate was 1% and you could obtain a 5-year fixed rate around 3.50%. This then quickly changed as the Bank of England proceeded to increase interest rates six times over the next few months including the last one in …

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