Candis - Club-benefits-mortgages&pensions

Money matters with mortgages and pensions

Candis Club has teamed up with Blueprint, who has access to the whole of the market. With a dedicated team of financial advisers, their personal approach can make finding you the best mortgage or pension a hassle-free process.

This benefit is only available to Candis Club members. Click here to subscribe or click here if you are already a member.

Home comforts
Your mortgage shouldn't be something you forget once you have bought your home. Circumstances change and you need to keep up. Your mortgage could be one of you most substantial monthly outgoings and like any financial commitment it's something you should review regularly.

Since you first took out your mortgage things have probably changed:

The value of your property has increased.
Your income has improved too.
There are more different types of mortgages available.
These are just some of the factors that have an influence on the rate that you can get from lenders.

When it comes to mortgages and remortgaging, you have a wide range of choice, but it's not always easy to know whether you're getting the best deal. What you need is professional help from an experienced mortgage adviser who has access to the whole of the market and the ability to find you the best deal out there. To assist with this Candis Club are able to offer its members free access to a qualified mortgage adviser through Blueprint.

Even a small change to your interest rate can make a big change to your family's monthly outgoings and with Blueprint doing the hard work for you the process should be hassle free.

The example below shows the difference that a change as small as 1% can make.

Mortgage size assumed on a 75% LTV calculated on the average house price of £169,901 for uk. (Source Halifax House Index for Q4 2005)

The actual rate available will depend upon your circumstances. Please ask for a personal illustration. Your home may be repossessed if you do not keep up repayments on your mortgage.

Pension plans
Would any of us go on holiday knowing we don't have enough money to enjoy ourselves? Of course we wouldn't. So why is it that when we retire, to go on the longest holiday of our life, this is exactly what many of us are likely to do.

Here are two interesting retirement facts

More than 70% of the UK population will retire on less than one third of their current income. If you are currently earning £24,000 a year that would mean living off £8,000 a year.
Currently the government will provide you with a basic state pension of £82.05 per week.

If these facts don't get alarm bells ringing, then think about this. Every time your earnings increase but your pension contributions remain the same, the gap between your final earnings and your retirement income widens.

A little extra now could go a long way to securing a prosperous future.

Take a look at the tables below and see how much even a modest increase in premiums to a pension could make to your retirement income.

Increase your contributions today, and look forward with confidence to increased financial security in your retirement years.

Candis in partnership with Blueprint can make your pension one less thing to worry about. Blueprint are a Financial Services Company who pride themselves on offering lower prices, greater choice with maximum support.