Abacus Mortgage & Protection Advice

07/05/2026

Jargon Buster: Early Redemption Charges

An early repayment charge (ERC) is a penalty your provider may charge if you overpay on your mortgage by more than they allow, or pay off the whole loan too early.
Sometimes securing a new deal with your current lender may mean they’re willing to forgo the ERC on your current mortgage, but not always.
It’s worth speaking to an adviser to discuss your options because ERCS don’t always mean there’s’ nothing more you can do until the end of your current agreement.
Give us a call or an email for a friendly chat with a member of our team today. 0151 647 2266/[email protected]
YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

04/05/2026

Which program do Jedi use to open PDF files?

Adobe Wan Kenobi

03/05/2026

30/04/2026

Does my home insurance cover me to work from home?
As more and more people are choosing flexible working or working from home, it’s important to make sure you have the right cover.
Our team are on hand to answer your questions and find the right level of cover for your circumstances.
0151 647 2266/[email protected]

26/04/2026

Self-Employed?

What Happens If You Can’t Work?

Are you a self-employed manual worker putting in at least 16 hours a week?

If you were off sick, would you still have money coming in?

And be honest, do you actually have time (or patience) to go through a long medical questionnaire?

If this sounds like you, there may be simpler and quicker ways to protect your income without the hassle

Please get in touch to explore your options.

25/04/2026

Always lovely to receive another 5* review.

19/04/2026

You’ve got Life Insurance, but is it written in Trust?

Without a Trust, your pay out could:

Be delayed by probate
Increase inheritance tax
Be distributed differently than you intended

Putting it in Trust can mean:

✔ Faster pay out
✔ Proceeds do not form part of your estate
✔ More control
✔ Better protection

If you are not 100% sure that your policy is in Trust.
Message me
Book a review
It’s free and easy to arrange.

01516472266/[email protected]

17/04/2026

🏡 Misconception: ‘Equity release means losing your home.’ Not true! With modern equity release plans, you retain ownership of your home while unlocking some of its value. It’s a flexible way to enjoy retirement, whether that’s through travel, home improvements, or helping loved ones. 🌍🔑
Curious about how equity release could work for you? Get in touch 0151 647 2266/ [email protected]
WE ARE NOT AUTHORISED TO PROVIDE ADVICE ON EQUITY RELEASE AND WILL REFER YOU TO AN AUTHORISED SPECIALIST, WHO CAN ASSIST YOU IN THIS AREA.
THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

14/04/2026

We don’t know what the future may hold, and if anything happened, whether it was a robbery, or even a flooded bathroom, wouldn’t you feel better knowing you’re covered?
Home insurance is something we all need but we don’t always think about the value of it until it comes the time to make a claim.
Have you got home insurance in place? If not, why not have a chat with our team who can talk you through your options step by step?

Arrange a chat with our friendly team by calling 01516472266 or emailing [email protected]