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Remortgaging: The essential steps you should take when your mortgage ends

If your mortgage deal is coming to an end or it’s already expired, you should consider remortgaging. This guide reveals the essential things you need to know.  The government previously estimated 57% of fixed-rate mortgages ending in 2023 had an interest rate below 2%. When these mortgage deals end, it’s very likely that households will […]

How to draft a comprehensive letter of wishes and why it’s important

31 January 2024 When you begin forming your estate plan, you may tick off the crucial legal documents first. Drafting a will, registering a Lasting Power of Attorney (LPA), and writing funds into trust are all common steps.  For most people, putting the legal and financial essentials in place is the first and last item […]

Could the upcoming UK and US elections have an impact on your investments?

31 January 2024 2024 is set to be a fascinating year for politics, with both the US and UK expected to hold general elections by the end of the year. On 16 January, the BBC reported that prime minister Rishi Sunak says he expects to call a general election “in the second half of 2024”.  […]

What are the “Magnificent Seven” and how could they affect your investment portfolio?

31 January 2024 If you paid attention to stock market trends in 2023, you might have heard of the “Magnificent Seven” – and no, we’re not talking about the 1960 Western movie.   The Magnificent Seven refers to seven US technology companies that are dominating the global stock market. As of February 2024, they are:  Together, […]

Q4 2023 global market update

16 January 2024 At the end of Q3 2023, all six of the below indices posted negative returns.  Fortunately, by the end of the final quarter of 2023, those same indices had all experienced a U-turn and were seeing positive results across the board. Source: JP Morgan After the stock market ended 2023 on a […]

3 shrewd ways to avoid an advanced financial scam this year 

16 January 2024 If you have never been the victim of a financial scam, it might be hard to imagine that it could happen to you. After all, if you are a financially savvy individual, you could believe that you would always know a scam when you see one.  Unfortunately, financial scams are becoming increasingly […]

Will there be a bull market in 2024? 

16 January 2024 When you see the phrases “bull market” and “bear market” bandied around in the press, they might seem relatively meaningless – but in fact, they carry a lot of weight. A bear market describes a period in which markets are “retreating” or “hibernating”, which might help to make sense of the term. […]

The rate of inflation is declining. What now? 

12 December 2023 At the end of 2022, the rate of inflation in the UK was in double figures. Indeed, the Office for National Statistics (ONS) reports that last December, inflation stood at 10.5%, after peaking at 11.1% in October 2022. Now, as of October 2023, the rate has more than halved, sitting at 4.6%.  […]

Meet the team: Adrian Mahon, Paul Watson, and Mark Allen

12 December 2023 In our final “meet the team” instalment, meet three more of the Depledge troop: Adrian Mahon, Paul Watson, and Mark Allen. Adrian Mahon What’s your role here at Depledge? I’m a senior financial planner. I specialise in working with individuals who are either approaching retirement or have already finished their career. How […]

Our 2023 year in review

12 December 2023 As 2023 draws to a close, we’re taking a moment to reflect on the year and cast our eyes towards what 2024 might hold. The past four years have been challenging for many individuals around the UK, especially where finances are concerned. We’d like to thank our clients for your ongoing trust […]