Why plan ahead of your fixed rate ending?

The earlier you plan your remortgage, the more mortgage options you have! And in the current economic climate, it really does pay to know your options. An expert adviser can find the deal for you.

If you’re due to remortgage in the next year or so, take a look at our handy list of does and don’ts that will help you plan ahead with confidence.

• DO give yourself time to weigh up your options. Leaving anything to the last minute can be incredibly stressful – even more so when it’s something as impor...

Omnis appoint Investment Managers that have different styles of investing to run each fund, so your portfolio is varied.

This video provides an easy explanation on investing for growth and value. 

You may wonder how long you should stay invested for, the recommended minimum investment horizon to invest in our funds is 5 years.

This video provides an easy explanation from Rohit Vaswani, Client Portfolio Manager, on the importance of having a long term horizon, to allow your money to grow and achieve your financial objective.

This video explains how protection insurance gives financial security and peace of mind should the unexpected happen.

Busting remortgaging myths.

Your circumstances have changed – will you be able to remortgage?

We all know life doesn’t stay the same. Our jobs, our relationships, our financial circumstances, they all evolve over time. So if our lives are constantly changing, why should our mortgage stay the same?

Your life may have completely altered since you last remortgaged. You might be earning more or less than before, earning from multiple sources, or become self-employed. You might even be looking to climb onto the property ladder as a first-time ...

Worried about mortgage lenders withdrawing their products and deals?

The mortgage market is going through another unpredictable time with mortgage lenders withdrawing mortgage deals and increasing rates in a reaction to the recent news that inflation is slowing at a less- -than-expected rate.

Do you need to remortgage now?

If you’re due to remortgage now, don’t panic! The good news is that help is at hand.

Despite the recent withdrawal of some mortgage products and rates, we still have access to thousands of mortgage rates and can ...

The pros and cons of both to give you an idea of the kind of things you’ll need to consider.

Is it better to gift a property or leave it in your will?

Before passing away, Maggie gifted her house worth more than £700,000 to her son Bruce but still remained living there, paying a token amount of rent. Nine years later, following Maggie’s death, Bruce was surprised to be landed with an inheritance tax bill for the property.

 What did Maggie do wrong?

Maggie knew if she died within seven years of gifting Bruce her house that he may well end...

• With inflation remaining stubbornly high the Bank of England has once again chosen to raise the Base Rates, this time by 0.5% to 5%.
• The Bank of England has opted for a 0.5% Base Rate rise.
• The Bank of England has raised the Base Rate to 5%.
• The Bank of England raised the Base Rate by 0.5% to 5%, the 13th rise since December 2021 when the Base Rate was just 0.1%.
• In changing times investors should keep a cool head and a well-diversified portfolio. Omnis spread your investments across different asset classes, global regions and styles...

How to improve your chances of passing a mortgage affordability assessment

Getting on the housing ladder can feel like one of the hardest and longest processes in the world and the cost of living crisis is probably not helping. You need to come across as attractive buyers for lenders to consider you, but there are many factors that can reduce how much lenders are willing to let you borrow for your home.

How do lenders decide whether to offer you a mortgage?

If you’re applying for a new mortgage, remortgaging or increasing your current mor...