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Since the financial crisis in 2008 lenders have been reluctant to offer high loan-to-value mortgages which has resulted in many of us being unable to afford our dream homes or take our first step onto the property ladder.

How many Brits are living abroad is up for debate depending on which source you listen to. But one thing we do know for sure is that there are a lot of expats living right the way across the globe.

For first-time buyers, it has become incredibly hard to take that important first step onto the property ladder. According to research by Halifax, the average house deposit has increased by a staggering 71% from £19,364 in 2008 to £33,127 in 2018.

I recall clearly as the credit crunch came to a welcome close, buy to let transactions were a welcome kick start for many lenders, brokers and of course their new owners! The lending and purchases were straightforward deals for adviser and customer alike.

Stamp duty. Two words that strike fear into the minds of every home buyer. But do you really know how it’s calculated and ultimately how much you’ll pay?

Many of us may have been, or could in the future be diagnosed with a serious medical condition and we all have unique circumstances that mean we need different types of cover.