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Top tips for a safe holiday

Thursday, 11 July 2019

We're put together some advice based on our knowledge and experience to keep you, your cash and your property safe and secure while you enjoy your holiday.

1 BE CAREFUL ON SOCIAL MEDIA

Although it's tempting, don't share every detail of your holiday on social media. Information like how long you're away for and where you live could be useful to a thief. Be especially careful on Instagram and Twitter as these posts are visible to everyone, not just your 'friends'. And if you must post on Facebook, check your security settings and make sure your posts are for 'friends only' and not 'public'.

2 TAKE OUT TRAVEL INSURANCE

There are many policies out there so shop around for the best one for you. Don't just choose the cheapest - look at what it covers and make sure it's adequate for your needs. Check what countries are covered and consider specialist cover if you're planning high-risk activities like skiing or scuba-diving. If you're planning multiple trips abroad, an annual policy will often work out cheaper

3 GUARD AGAINST FRAUD

There are several ways to ensure you're not fleeced on holiday. Before you leave, make sure you've upgraded to a chip-and-pin card, as these are more secure. Keep you card with you at all times - not in your hotel room.

Some credit card companies monitor account activity, so notify your card company of your itinerary and ensure your contact details are up to date. Make sure you've written down your card provider's contact number and your account details in case of an emergency, but don't keep this information in your wallet. if the worst happens, report the crime to the police straight away as you'll need this for insurance, and report it to your bank.

4 DON'T FORGET YOUR SUNCREAM!

It may seem obvious, but once you've started on the sangria, it's easy to neglect sun protection. Skin cancer is a real risk and you should wear sun cream, ideally factor 30, to avoid burning. Even better, wear a wide-brimmed hat - that way you'll avoid premature wrinkles as well as sunburn!
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For most your mortgage payment is probably the major monthly outgoing for many households – but when did you last review it?

Thursday, 13 June 2019

For most your mortgage payment is probably the major monthly outgoing for many households – but when did you last review it?
It’s reported that over a third of UK homeowners are currently on a standard variable rate mortgage.

For most your mortgage payment is probably the major monthly outgoing for many households – but when did you last review it? If the Bank of England interest rates increase, for those are currently on a variable rate product could see their mortgage payment increase.

Many of our regular customers have benefitted from us by reviewing their existing arrangements, which is relatively simply to do as we do all the work for you.

Most borrowers like the peace of mind that they are locked into a fixed rate arrangement, so if rates do rise they will be secure in the knowledge that their repayments won’t increase.

For a free initial assessment of your existing arrangements why not call us? The extra money you save could buy you a holiday, extra life insurance or simply make living easier. Life is for living so why not let us manage your finances from the comfort of your own home.

Altogether Financial Solutions Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

There will be a fee for mortgage advice. Our fees and charges vary depending on the Services we provide to you. We typically charge a fee of £495 payable upon completion for a remortgage. For purchases we typically charge a fee of £495 of which £250 is payable upfront and £245 is payable upon completion.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE



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"Perseverance" A great word to describe one of our brokers

Wednesday, 12 June 2019

"Richards works hard for you and has definitely gone 'above and beyond' in our case.  He is always thorough and makes the process as smooth as possible.  We have already recommended to others and will continue to do so".  We were most impressed with our brokers perseverence. 

Happy clients now living in Wales.

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Positive about Cancer: Help Jacqui raise a Million

Friday, 17 May 2019

Refer a friend for a mortgage and protection review with us and for every completed case we will donate £100.00 to Jacqui’s Million Campaign. Call us and help make a difference to everyone. 01274 590944

Jaqui’s Story

In 1993, I had successful surgery to remove a small mole from my right leg, which was diagnosed as a Melanoma, and for many years after I was clear of cancer. However, in 2009, a lump appeared in the same place and after numerous tests unfortunately it was a secondary cancer, which is virtually unheard of. Some would say I am extremely unlucky, I say I am blessed as I was referred to the Leeds Cancer Centre, where since that time I have been receiving treatment as my cancer is malignant in stage 4.

Three operations on my leg by the amazing Howard Peach ensured I could keep doing what I do best – dancing and choreographing! In 2011, the Melanoma had spread to my lungs. Oral chemotherapy thankfully kept things at bay for two years, but the tumour in my right lung had escalated to such a degree that in February 2015, again another wonderful surgeon Kostas Papagiannopoulos removed the tumour and also my right lung.

Since then, I have continued with chemotherapy and other drugs for the side effects and although the above sounds devastating I am really positive and living every day to the full. Life expectancy for an “average” person with my condition is usually one year – but as the specialists say “I am not average”... and here I am nine years on! I say “Everyone is terminally ill, it’s just that I’m not getting off at this terminus”. I am still busy living a fun-packed life.

So, Jacqui’s Million is all about raising awareness, positivity and also much needed funds for the Leeds Cancer Centre.

During the time I have spent there as a patient, I have come to see first-hand the tremendous work they do, long hours, low pay, but with an ethos that is truly outstanding – they really are all angels. My goal and legacy is to raise £1 million for the Leeds Cancer Centre, and if I can get one million people to donate just £1 then the job would be done! This money will be used in a variety of ways, but specifically for all cancer patients from children to adults. We all know someone who has cancer or a loved one who has died from this terrible disease and every two minutes in the UK someone else is being diagnosed. So if you can please help me with my appeal as every penny donated does really count.

One day we will beat cancer.

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Richard was an absolute legend

Tuesday, 14 May 2019

Richard was an absolute legend!  Genuinely cannot thank him and the team for the efforts they made in making my house purchase possible.  I found myself in a difficult situation with my lender and when Richard took over, everything just started falling into place.  I don't think the word NO falls into his vocabulary.  Richard genuinely gets a kick out of helping people and i got that impression after 5 minutes of talking to him.  Highly recommend the team. Will absolutlely use them again.
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Great article in the Yorkshire Post - Personal Finance section this weekend

Tuesday, 12 March 2019

Yorkshire Post - March 09 2019

Choosing the right place can be crucial for a Buy-to-Let Landlord.

ASIDE FROM your home and buying shares in a property company or fund, there is an excellent alternative way to gain from the rising value in bricks and mortar. Using your judgment for an aspiring district and selecting a site which will appeal to the right tenants can be a successful investment formula.

'Buy to let' (BTL) is now an established savings vehicle. Hamptons International calculate that £59.1bn was paid in rent last year, even though average rents rose only 0.4 per cent. Its monthly index is based on 90,000 properties let and managed by Countrywide, the UK’s largest estate agency chain.

Read full article

news 2019 03 12

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Explore the remortgage route

Friday, 22 February 2019

news 2019 02 22
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Read our very welcomed Google reviews!

Thursday, 14 February 2019

We are recieving some fabulous Googles review, to view them simply click here!
https://goo.gl/maps/6XwS7MpfFFv
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"This team are unbelievable"

Tuesday, 29 January 2019

"This team is unbelievable!".  The help and advice they provided me was a absolutely fantastic.  Richard Willan went the extra mile in helping me, me and my partner couldn't be more grateful.  Highly remommend them". 

Great testimonial from happy clients in Baildon, West Yorkshire.

 

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Professional and reliable!

Tuesday, 15 January 2019

Great words received from a happy home insurance customer in Huddersfield.  "Professional and reliable" - Go Helen! Great work.
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Today's advice for property buyers

Thursday, 11 October 2018

Today's advice for property buyers. When buying a property we all know that you are keen to get the keys as soon as possible, however regardless of what your estate agent may tell you, we advise not instructing a solicitor until your mortgage broker has decided which lender they are using for your mortgage.

Why? Because the solicitors you select need to be on a lender’s panel, if they are not, you would need to change solicitors – this can be a costly error especially as you’ll be the one paying. Check before you instruct.

Your property may be repossessed if you do not keep up repayments on your mortgage

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.



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Another fabulous testimonial from first time buyers in Harrogate, North Yorkshire

Thursday, 20 September 2018

Richard took a genuine interest in us and aligned himself with our situaltion.  His knowledge and assitance in what is a very confusing process for first time buyers was increadibly helpful and a crutch for us throughout the entire process.  Upon finding our dream house Richard moved swiftly on our behalf to show the vendor the seriousness of our offer.  His endeavour, advice and support through the process was invaluable.  We ow a huge gratitude to Richard and Altogether Financial for helping us secure our forever home.

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A fantastic testimonial from customers in Bingley, West Yorkshire

Thursday, 16 August 2018

What a fantastic testimonal for us and specifically Richard Willan - Well done Rich!

Altogether financial was a fantastic service. Having Richard advise us was like working with an expert member of the family. I genuinely felt he was doing everything he could to get the best deal for us. In my words "my own Martin Lewis”. Not only did Richard and the team help with the mortgage first time but also helped us through a house move and a renewal of mortgage not to mention life insurance. I cannot recommend him highly enough and have already recommended to many friends who have also benefited from the service.

Clients in Bingley, West Yorkshire

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Are you one of the 8 out of 10 mortgage holders that have no Income Protection?

Wednesday, 15 August 2018

Are you one of the 8 out of 10 mortgage holders that have no Income Protection?

According to a recent article in FT Adviser, "Homeowners in Britain are woefully under-prepared in the event of long-term sickness, accident or ill health."1

Nobody plans to get hit by a bus but these things do happen! Should you be left unable to work do you have a plan in place to keep paying your bills and mortgage?

Royal London's recently commissioned State of the Protection Nation research highlights that only 19% of people with a mortgage have income protection in place, which leaves 81% unprotected!2 Is this you?

While you’re probably aware of the benefits of protection, the expertise of an adviser can help steer you in the right direction to ensure you’re protected when you need it most. If you take a look at LV=’s Risk Reality Calculator it will show you the likelihood of needing to claim on income protection, critical illness cover and life cover based on their research.

But it’s not only mortgage holders that need protection in place, renters need income protection just as much as homeowners. After all, the chances of an accident or illness making you unable to work don’t go away just because you rent!

Contact us today to see how we can help you find the right income protection policy for your needs, our panel of providers can offer something for everyone, so there’s no excuse! 

Sources:

  1. FT Adviser, 8 out of 10 mortgage holders have no income protection, May 2018
  2. Royal London, State of the Protection Nation, May 2018
  3. LV= Risk Reality Calculator http://riskreality.co.uk/gen


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Bring on BBQs, beer gardens, and days out enjoying the sunshine - while it lasts!

Monday, 25 June 2018

The weather is finally warming up and the sun has even been out in force recently, giving us a taste of a proper summer. Bring on BBQs, beer gardens, and days out enjoying the sunshine - while it lasts! And while the sun shining, take this opportunity to make sure you and your family are protected. Did you know skin cancer is the most common form of cancer in the UK? Every year over 230,000 new cases of non-melanoma skin cancer – the most common type – are diagnosed in the UK. In addition to this, there are approximately 16,000 new cases of melanoma every year, resulting in around 2,285 UK deaths annually.1

Even though we’re more clued up than ever and many know that UV exposure is the main preventable cause of skin cancer, we’re still not protecting ourselves. YouGov research, on the nation’s sun cream habits, reveals that almost a quarter (23%) do not apply sunscreen during the summer or when on holiday.2 Melanoma is the deadliest form of skin cancer and we don’t often think about the risks of cancer when we are out enjoying nice weather. It doesn't take long when you’re in the sun to damage your skin and that damage, when it builds up over time, can lead to a scary diagnosis. Cancer is consistently the top claim reason for life insurance and critical illness products3,4,5, yet we’re not doing enough to protect ourselves. So, if the sun is shining don't forget the sun cream! And don’t forget to talk to us about about ‘Cancer Cover’.

 

  1. British Association of Dermatologists, published May 2018
  2. YouGov, published April 2017
  3. Royal London: 2017 claims paid report, published May 2018
  4. Aviva: Individual protection claims report 2017, accessed June 2018
  5. AIG: Protection Claims Paid in 2017, accessed June 2018
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