Property market trends in 2024 As we approach the new year, Zoopla has highlighted trends in the UK property market in 2024. It is expected that, by the end of the year, there will have been 1.1 million sales completed – 10% more than last year. Meanwhile, January was the busiest month for visitors to […]
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Commercial Property Market Review – December 2024
Robust demand for Scottish hotels The Scottish hotels market continued to show resilience in Q3 according to Colliers. Hotel investment in Scotland hit £110m in quarter three – £40m more than Q2 and 150% higher than the five-year quarterly average of £44m. The year-to-date investment total is £200m – up 18% when compared with the […]
Buy-to-let market update: Trends and insights
The UK buy-to-let (BTL) market has seen notable changes recently. The number of new BTL mortgages granted has decreased sharply. This decline is largely due to higher interest rates and stricter taxation measures, which have served to cool investor enthusiasm. Additionally, the overall size of the BTL mortgage market has contracted. Investors are encountering more […]
Why should you care about correlation
If you want your investment portfolio to strike a good balance between risk and return, it’s worth knowing how correlation can impact your investments. If two different investments are perfectly correlated, their value will rise and fall by the same amount, at the same time. Investing in highly correlated assets can increase your losses, because […]
A third of Gen X think they will never retire
Recently released research1 suggests a significant proportion of working age people are no longer planning a traditional ‘hard stop’ retirement, with 45 to 54-year-olds most likely to feel they will continue working beyond pensionable age. Work work work According to the survey, more than a fifth of working age adults think it unlikely they will […]
Many young mortgage holders do not have life cover
Research has found that 28% of young UK homeowners do not have life insurance1. It is estimated that 1.7 million adults aged 18-40 do not have appropriate cover in place, despite having a mortgage. This oversight puts their dependants in a precarious financial position in the event of their death. Why risk it? Of those […]
Don’t just plan – protect your money
Are you confident you have all the relevant cover in place to protect your finances? Having a financial plan should go hand-in-hand with a conversation about insurance. The statistics We may not like to think about death, but the reality is it is inevitable; however, data has revealed that only 29% of UK adults have […]
Economic Review November 2024
Interest rates set to fall more gradually Last month, the Bank of England (BoE) cut interest rates for only the second time since 2020 but also warned future reductions were likely to be more gradual due to the prospect of inflation creeping higher next year. Following its latest meeting, which concluded on 6 November, the […]
Equity release update
Data suggests that confidence is growing among new and existing equity release customers. Equity release customers rose by 12% in Q2 of this year, with total lending increasing by 15% to £578m1. There was also a quarterly and annual increase in the average loan size, which indicates that customer confidence is being restored. More taking […]
In the news
Equity fund inflows on the up Statistics1 show that, during the first half of 2024, net inflows to equity funds were over £11.3bn, the best six-month recording for equity funds according to global fund network Calastone’s ten-year record. Of the most positive inflows, North America and global funds recorded £7.8bn and £7.2bn respectively, with emerging […]
