News & Insights

News & Insights | Rapport Financial Strategists

Buildings vs Contents Insurance: What’s Actually Covered

Buildings insurance and contents insurance are often mentioned together, and it’s easy to assume they cover similar ground — but they protect very different things. Understanding the distinction matters, because being underinsured (or paying for cover you don’t need) is a common and avoidable mistake. What buildings insurance covers Buildings

Equity Release: Is It Right for Your Retirement?

Equity release lets homeowners access some of the value tied up in their property without having to sell or move out — but it’s a significant financial decision with long-term consequences, and it isn’t right for everyone. Here’s what to weigh up before considering it as part of your retirement

Remortgaging When Your Fixed Rate Ends: A Timeline

When your fixed-rate mortgage deal is coming to an end, timing matters. Leave it too late and you risk rolling onto your lender’s Standard Variable Rate, which is usually significantly more expensive. Start too early and you might miss out on better rates that become available closer to your renewal

Pension Consolidation: Pros, Cons and Pitfalls

If you’ve worked for several employers over the years, there’s a good chance you’ve built up more than one pension pot. Pension consolidation — bringing them together into a single plan — can make sense, but it isn’t automatically the right move for everyone. Here’s a balanced look at the

Understanding the Inheritance Tax Nil-Rate Band

Inheritance Tax (IHT) is one of the most misunderstood taxes in the UK — partly because most estates never actually pay it, and partly because the rules around thresholds and reliefs are genuinely complex. Understanding the nil-rate band is the starting point for any conversation about IHT planning. What the

How Much Life Cover Do You Actually Need?

“How much life cover do I need?” is one of the most common questions people ask when arranging protection — and one of the easiest to either under- or overestimate. Too little cover leaves your family exposed; too much means paying for protection you don’t need. Here’s a sensible way

Landlord Alert: Changes to Buy-to-Let Regulation

Buy-to-let regulation has shifted several times over the past decade, and landlords who aren’t paying attention can be caught out — whether that’s through lending criteria, tax treatment, or property standards. Here’s what landlords should be keeping an eye on. Lending and affordability rules Buy-to-let mortgages aren’t assessed the same

Do You Need Critical Illness Cover as Well as Life Insurance?

Life insurance and critical illness cover are often mentioned in the same breath, and it’s a fair question: if you already have life cover, do you really need critical illness cover as well? The honest answer is that they protect against different things, and for many people, both have a

A First-Time Buyer’s Guide to the Mortgage Process

Buying your first home is exciting, but the mortgage process itself can feel like a maze of unfamiliar terms and steps. Here’s a plain-English walkthrough of what actually happens, from your first conversation with a broker through to picking up the keys. 1. Work out what you can afford Before

Fixed vs Tracker Mortgages: Which Is Right for You in 2026

When you’re choosing a new mortgage deal, one of the first decisions is whether to go fixed or tracker. Both have genuine advantages, and the right choice depends on your circumstances, your appetite for risk, and how the wider interest rate environment looks in 2026. How fixed-rate mortgages work A

I certainly have the best jobs in the world, on many fronts Mum, Nana, Adviser, when im not doing all these I look forward to Friday night feet up with a glass of wine with the hubby . I love to go to the gym, walking and meeting up for our friends. With two grown up children they have certainly dropped down the pecking order of priority following the arrival of our first Grandchild Bobby.

Joined the team - 1999

Outside of the office I am a fan of all sports but mainly football and Manchester United which at present is a bit like watching the Stock Market – lots of ups and downs! Murphy is my Cocker Spaniel who loves his walks and cuddles and is also the office dog.