--- title: Blog — Integritas Financial Planners (6) description: Integritas Financial Planners brings you the latest insights on financial planning, pension, mortgage and more. Click here to subscribe to our blog. (6) --- - [01283777014](tel:01283777014) - [enquiries@integritasfp.co.uk](mailto:enquiries@integritasfp.co.uk) [facebook-f icon](https://www.facebook.com/IntegritasFP) [linkedin-in icon](https://www.linkedin.com/company/integritas-financial-planners-ltd/) [REQUEST CONSULTATION](https://www.integritasfp.co.uk/book-a-meeting) [![integritaslogo](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/integritaslogo.png?width=510&height=82&name=integritaslogo.png "integritaslogo")](https://www.integritasfp.co.uk/) ![Vouched For Top Rated 2019 - 2024](https://www.integritasfp.co.uk/hs-fs/hubfs/Vouched%20For%20Top%20Rated%202019%20-%202024.png?width=762&height=162&name=Vouched%20For%20Top%20Rated%202019%20-%202024.png) ![Integritas-vouchedfor-badge](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/Integritas-vouchedfor-badge.webp) - [Home](https://www.integritasfp.co.uk) - [Our services](https://www.integritasfp.co.uk/services) - [Pension Advice](https://www.integritasfp.co.uk/services/pension-advice) - [Investment Advice](https://www.integritasfp.co.uk/services/investments/) - [Mortgage Advice](https://www.integritasfp.co.uk/services/mortgage-advice/) - [Protection](https://www.integritasfp.co.uk/services/protection/) - [Wills and Lasting Power of Attorney](https://www.integritasfp.co.uk/kinherit-partnership) - Why Integritas - [Why Integritas](https://www.integritasfp.co.uk/about-integritas) - [Meet the Team](https://www.integritasfp.co.uk/meet-the-team) - [Testimonials](https://www.integritasfp.co.uk/about-integritas/testimonials/) - [Sponsorship](https://www.integritasfp.co.uk/sponsorship/) - [Referral Incentive](https://www.integritasfp.co.uk/referral-incentive) - Resources - Client Agreement - [Terms and Conditions](https://www.integritasfp.co.uk/resources/client-agreement/) - [Services and Charges](https://www.integritasfp.co.uk/resources/client-agreement/-services-and-charges) - [10 Point Financial Checklist](https://www.integritasfp.co.uk/10-point-financial-checklist/) - [Protection Review Guide](https://www.integritasfp.co.uk/protection-review) - [A Guide To Pension Consolidation](https://www.integritasfp.co.uk/guide-to-pension-consolidation) - [Blog](https://www.integritasfp.co.uk/blog) - [Glossary](https://www.integritasfp.co.uk/glossary) - [Client Area](https://integritasfinplan.gb.pfp.net/) - [Contact Us](https://www.integritasfp.co.uk/contact-us) # Integritas Financial Planners - Blog [![A close up of someone using a calculator while looking at their finances on paper.](https://d37oebn0w9ir6a.cloudfront.net/account_48614/secure-your-future-with-financial-tips-for-your-30s_d9ecb627e85376c81aabfcd2be22ef3f.jpg)](https://www.integritasfp.co.uk/blog/secure-your-future-with-financial-tips) ## [Secure Your Future with Financial Tips for Your 30s](https://www.integritasfp.co.uk/blog/secure-your-future-with-financial-tips) Heading into your 30s is a big moment in life, with it usually being around this time that you start getting serious about securing your financial future. Your career path is likely taking shape, and you have a good idea of where you’re... [![](https://d37oebn0w9ir6a.cloudfront.net/account_48614/how-long-should-i-work-with-a-financial-adviser_8b58be0d9115be0094edd8d935eb1b17.jpg)](https://www.integritasfp.co.uk/blog/working-with-a-financial-adviser) ## [How Long Should I Work With a Financial Adviser?](https://www.integritasfp.co.uk/blog/working-with-a-financial-adviser) How long you work with a financial adviser will depend a lot on your goals, financial situation and the kind of support you need. At Integritas, we often recommend a longer-term relationship as this approach maximises the value we can... [![A man sits on the sofa and kissing his son on the cheek, his wife is in the kitchen and she's smiling at their other kid. They are rest assured they have financial protection. ](https://d37oebn0w9ir6a.cloudfront.net/account_48614/why-a-will-is-not-enough-for-your-familys-financial-protection_5f9ab299e9a9f582ab22c998788339c2.jpg)](https://www.integritasfp.co.uk/blog/family-financial-protection) ## [Why a Will Is Not Enough For Your Family's Financial Protection](https://www.integritasfp.co.uk/blog/family-financial-protection) A Will is obviously a crucial tool for organising your estate, but it’s not the full picture when it comes to safeguarding your family’s financial future. Modern life is complex, with a diversity of assets and relationships, as well as... [![A graphic of inheritance tax highlighting what you need to know about inheritance tax strategy](https://www.integritasfp.co.uk/hs-fs/hubfs/all-you-need-to-know-about-inheritance-tax-strategy.png?width=596&name=all-you-need-to-know-about-inheritance-tax-strategy.png)](https://www.integritasfp.co.uk/blog/inheritance-tax-strategy) ## [All you need to know about inheritance tax strategy](https://www.integritasfp.co.uk/blog/inheritance-tax-strategy) An inheritance tax is a tax on the estate of someone who has passed away, including their property, money, and any other possessions of notable value. In the UK, the standard inheritance tax rate is 40% on the value of the estate above the... [![A graphic of a miniature house highlighting what an offset mortgage is. ](https://www.integritasfp.co.uk/hs-fs/hubfs/what-is-an-offset-mortgage-and-could-you-benefit-from-one.png?width=596&name=what-is-an-offset-mortgage-and-could-you-benefit-from-one.png)](https://www.integritasfp.co.uk/blog/what-is-an-offset-mortgage) ## [What is an offset mortgage and could you benefit from one?](https://www.integritasfp.co.uk/blog/what-is-an-offset-mortgage) 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. ](https://www.integritasfp.co.uk/hs-fs/hubfs/how-to-plan-for-a-long-retirement.png?width=596&name=how-to-plan-for-a-long-retirement.png)](https://www.integritasfp.co.uk/blog/plan-a-long-retirement) ## [How to plan for a long retirement](https://www.integritasfp.co.uk/blog/plan-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.](https://www.integritasfp.co.uk/hs-fs/hubfs/can-chat-gpt-give-financial-advice.png?width=596&name=can-chat-gpt-give-financial-advice.png)](https://www.integritasfp.co.uk/blog/can-chatgpt-give-financial-advice) ## [Can ChatGPT give financial advice?](https://www.integritasfp.co.uk/blog/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.](https://www.integritasfp.co.uk/hs-fs/hubfs/How-To-Set-Investment-Goals.png?width=596&name=How-To-Set-Investment-Goals.png)](https://www.integritasfp.co.uk/blog/how-to-set-investment-goals) ## [How To Set Investment Goals](https://www.integritasfp.co.uk/blog/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. [![Image showing the results of following the best financial practices.](https://www.integritasfp.co.uk/hs-fs/hubfs/The-Best-Financial-Practices-Of-2024-An-Overview.png?width=596&name=The-Best-Financial-Practices-Of-2024-An-Overview.png)](https://www.integritasfp.co.uk/blog/the-best-financial-practices-of-2024) ## [The Best Financial Practices of 2024 - An Overview](https://www.integritasfp.co.uk/blog/the-best-financial-practices-of-2024) As we approach the halfway point of 2024, it’s a good time to reflect on the best financial practices that anyone can employ to safeguard their future. [![A broker showing the available mortgage rates to advise on what is the best mortgage loan for first time buyer](https://www.integritasfp.co.uk/hs-fs/hubfs/ARE-LOW-OR-NO-DEPOSIT-MORTGAGES-AVAILABLE-IN-2024.png?width=596&name=ARE-LOW-OR-NO-DEPOSIT-MORTGAGES-AVAILABLE-IN-2024.png)](https://www.integritasfp.co.uk/blog/low-or-no-deposit-mortgages) ## [ARE LOW OR NO DEPOSIT MORTGAGES AVAILABLE IN 2024?](https://www.integritasfp.co.uk/blog/low-or-no-deposit-mortgages) 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. [Prev](https://www.integritasfp.co.uk/blog/page/5) [4](https://www.integritasfp.co.uk/blog/page/4) [5](https://www.integritasfp.co.uk/blog/page/5) [6](https://www.integritasfp.co.uk/blog/page/6) [7](https://www.integritasfp.co.uk/blog/page/7) [8](https://www.integritasfp.co.uk/blog/page/8) [Next](https://www.integritasfp.co.uk/blog/page/7) [![Book A Meeting](https://no-cache.hubspot.com/cta/default/8095026/interactive-187222222091.png)](https://www.integritasfp.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLI9dL%2FgLYiUhSN2zzM7leG0Om9zV6ruIbiqN%2FRLZta%2BiFT1gX4XDV4Mr1jXwlJ5GFt%2F1d91QnsSaUP%2BKFjJM7JvIAaYyHvAuhyT6KCdOiLXcelBFiSZfXNslyyT5TNlDUsXDa%2FBOa2mhkc9DcNqgdUd3o0d7F4ic%2F01txsTL1N73TQnOhndThGaALcvLh%2BDjg%3D%3D&webInteractiveContentId=187222222091&portalId=8095026) [![Book A Meeting](https://no-cache.hubspot.com/cta/default/8095026/interactive-187222222091.png)](https://www.integritasfp.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLI9dL%2FgLYiUhSN2zzM7leG0Om9zV6ruIbiqN%2FRLZta%2BiFT1gX4XDV4Mr1jXwlJ5GFt%2F1d91QnsSaUP%2BKFjJM7JvIAaYyHvAuhyT6KCdOiLXcelBFiSZfXNslyyT5TNlDUsXDa%2FBOa2mhkc9DcNqgdUd3o0d7F4ic%2F01txsTL1N73TQnOhndThGaALcvLh%2BDjg%3D%3D&webInteractiveContentId=187222222091&portalId=8095026) Search ![Integritas-Financial-Checklist-CTA-Blog-Sidebar](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/sidebar/Integritas-Financial-Checklist-CTA-Blog-Sidebar.png "Integritas-Financial-Checklist-CTA-Blog-Sidebar") #### Recent Posts - [6 of the best independent bookshops in the local area](https://www.integritasfp.co.uk/blog/6-of-the-best-independent-bookshops-in-the-local-area) - [5 compelling reasons to consider taking out income protection and critical illness cover](https://www.integritasfp.co.uk/blog/5-compelling-reasons-to-consider-taking-out-income-protection-and-critical-illness-cover) - [How could a trust support your estate plan?](https://www.integritasfp.co.uk/blog/how-could-a-trust-support-your-estate-plan) - [7 of the best afternoon tea venues in the local area](https://www.integritasfp.co.uk/blog/7-of-the-best-afternoon-tea-venues-in-the-local-area) - [The new ISA rules that could trigger a 22% tax charge](https://www.integritasfp.co.uk/blog/the-new-isa-rules-that-could-trigger-a-22-tax-charge) - [Worried about making lifetime gifts? Here’s how financial planning could help](https://www.integritasfp.co.uk/blog/worried-about-making-lifetime-gifts-heres-how-financial-planning-could-help) - [6 fun solo days out in the local area](https://www.integritasfp.co.uk/blog/6-fun-solo-days-out-in-the-local-area) - [Why time in the market often beats timing the market](https://www.integritasfp.co.uk/blog/why-time-in-the-market-often-beats-timing-the-market) - [5 ways estate planning could reduce your loved ones’ Inheritance Tax bill](https://www.integritasfp.co.uk/blog/5-ways-estate-planning-could-reduce-your-loved-ones-inheritance-tax-bill) - [Comprehensive Guide: Prepare for Retirement & Maximising Pension Income](https://www.integritasfp.co.uk/blog/retirement-income-planner-maximising-your-pensions) [![ecddbe30-1fa5-4fd3-af26-aff5915f7a70](https://www.integritasfp.co.uk/hs-fs/hubfs/ecddbe30-1fa5-4fd3-af26-aff5915f7a70.png?width=2000&height=380&name=ecddbe30-1fa5-4fd3-af26-aff5915f7a70.png "ecddbe30-1fa5-4fd3-af26-aff5915f7a70")](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/sidebar/vouchedfor-top-rated-certificate.pdf) - 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Integritas Financial Planners Ltd (FCA no. 623126) is an Appointed Representative of Baron & Grant Investment Management Limited (FCA no. 930300) which is Authorised and Regulated by the Financial Conduct Authority. 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