Kensington Money Managers

Private Medical Insurance pays for treatment you may need in the future without having to rely on the NHS.  In other words, it gives you more options if you need medical treatment and can mean avoiding NHS waiting lists. Who Might Need Private Medical Insurance (PMI)? Health is the most […]

Taking out travel insurance can ensure you get financial and practical help if something goes wrong on your trip. Unfortunately, illness, theft or accidents can happen anywhere.  Although travel insurance is not compulsory, it is highly recommended and the good news is that nowadays, it’s relatively inexpensive. Prices and cover […]

When your current mortgage deal comes to an end, you may want to shop around for a new mortgage. This is known as a remortgage.  If you choose not to look at securing a new mortgage, then you will automatically move on to your curent lenders Standard Variable Rate (SVR). […]

So, What is a Financial Plan? A financial plan is a comprehensive strategy designed to help individuals achieve specific financial goals and prepare for unexpected life challenges or events.  Our Company financial plans include income; expenditure; saving and budgeting; investing; tax planning; asset allocation; risk management; retirement planning; event funding […]

Mortgage Sharing e.g. with friends or family has become increasingly popular over recent years, with first-time buyers seeking alternative ways of getting on the property ladder. Mortgage sharing means that instead of you, or you and your partner getting a mortgage, you have a number of people on the deeds, […]

Mortgages for first-time buyers have become more difficult in recent years due to rising house prices and stricter lending criteria. Even now, with residential property values set to stabilise or even fall in some areas, first-time buyers face more difficulties when trying to secure a mortgage. Perhaps you haven’t managed […]

Part of any personal financial plan will involve insuring against unforeseen events because the unexpected sometimes happens. If you’re burgled, insurance can pay for you to replace the things that were taken. If you need medical treatment, it can pay for private healthcare, and replace some of your income if […]

Equity release schemes are either lifetime mortgages or home reversion plans and allow you to release much needed cash from your home, whilst retaining the right to live in it for the rest of your life. You’ll need to get specific information about both so you can decide which one […]

Commercial Mortgages are loans that are secured on commercial property such as shops, business offices, warehouses, factories, garages, hospitals, schools etc. and can be used for taking over an existing business, purchasing a brand new building or buying land. Most banks and building societies offer commercial mortgages, but you must […]

The saying goes “it takes money to make money.”  What money really does is give you time and freedom to make better choices.  To illustrate this point, let’s look at two people in contrasting financial scenarios. Jim has a good academic education and is motivated to succeed financially so he […]