Integritas Financial Planners - Blog

A graphic of a miniature house highlighting what an offset mortgage is.

What is an offset mortgage and could you benefit from one?

Offset mortgages are a flexible and potentially cost-saving option that could be the key to paying off your mortgage sooner and reducing your interest payments. But how exactly does an offset mortgage work, and is it the right choice for...
A retirement plan on a table.

How to plan for a long retirement

Planning for a long retirement is essential to ensure financial security and peace of mind throughout your later years, and it is best achieved by starting as early as possible.
A graphic of an AI highlighting the use of Chat gpt in financial advice.

Can ChatGPT give financial advice?

AI technology like ChatGPT can be a useful tool for a variety of activities, but alas it is not a reliable provider of financial advice. While it can offer generic information on many different financial topics, we must understand the...
Image of someone setting goals of different heights after receiving advice on how to save and invest.

How To Set Investment Goals

Knowing how to save and invest is a big part of financial planning, and it will help you achieve a secure future where you can afford a new home, a new car, or a regular holiday with your family.
A broker showing the available mortgage rates to advise on what is the best mortgage loan for first time buyer

ARE LOW OR NO DEPOSIT MORTGAGES AVAILABLE IN 2024?

With a summer general election called, the Conservative party is throwing out a few ideas that might just help them win over a few young voters, and one of their big swings for the fence appears to be the 99% mortgage.
Image of someone combining their different investments into one place

SHOULD I CONSOLIDATE MY PENSION INTO ONE?

Knowing what to do with multiple pensions needn’t be too complicated a process. Thanks to modern multiple pension rules, consolidating all of your pension pots means you only have to deal with one pension, which makes everything clearer...
An image of a persons first time pension savings pot for retirement, with a clock.

HOW DO I FIND OUT IF I HAVE MULTIPLE PENSIONS?

Even if you have tried keeping track of your multiple pension plans in the past, you may still be unsure how many small pension pots have been started in your name by a company you once worked for.
Image of money streams entering the same place from multiple pension plans

WHAT IS PENSION CONSOLIDATION?

Getting your pension plan sorted long before you need it is always a good idea, though it can get a little more complicated when you’re dealing with multiple pension schemes.
A young woman signing a mortgage after talking to a Financial Adviser who helped her climb the housing property ladder.

Why Fewer People Are Looking For Mortgages In 2024

Life is getting more and more expensive. We are still in a cost-of-living crisis with food prices at an all-time high, and utility bills at an eye-watering level. Thanks to the Covid-19 pandemic, many are still struggling to find work in...
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