The Help-to-Buy equity loan scheme was launched in 2013 to help young buyers get onto the property ladder. Now, more than five years later, the first of those who took out the scheme are ending their fixed term period and are now required to start paying back interest.

Here enters a problem: there has been limited Help-to-Buy remortgage options, until now. More...

The festive excitement and twinkly lights that put a smile on faces in December comes to a crash in January when people are back in work on cold dark mornings with the debt of Christmas hanging over them.

Employers note that there is an increase in sickness absence following the return to work after the Christmas break. Of course, we all know that the winter bugs are doing their rounds, but employers need to try and distinguish between genuine illnesses or “January blues”.

Here I’ll take you through some top tips for helping your staff beat the blues and to ensure your 2019 starts well. More...