MGC Mortgage Solutions

07/11/2024

The Bank of England Reduces Interest Rates to 4.75%

The Bank of England has announced that interest rates are to be reduced again, this time going down to 4.75%.

This is the second reduction in interest rates in recent times, following a long period of interest rate rises, where they peaked at a 16-year high of 5.25%.

What could the rate reduction announcement mean for my mortgage?

If you have a fixed-rate mortgage then there won’t be any immediate changes, however reductions in the Bank of England base rate may mean that lenders start to offer more attractive deals in the coming months ahead. If you have a fixed-rate mortgage period coming to an end soon, then it’s the ideal time to get in touch to discuss your options accordingly.

If you have a variable-rate mortgage, have a Bank of England tracker mortgage, or are on the Standard Variable Rate (SVR), then you may start to see changes to your monthly mortgage repayments, depending upon your lender and the deal that you have.

Let us see how we can help

We are here to provide you with the advice and guidance you need, and help with any queries you may have. There’s an overwhelming amount of information online, and some of it can be conflicting or confusing, so this is where we are here to help you.

We would recommend that you contact us to let us look at your individual circumstances and provide bespoke information to allow you to make educated decisions.

It’s the ideal time to talk about your mortgage

The mortgage market is constantly evolving, and it’s a great time to start looking at your mortgage, whether you’re looking at moving home or have a re-mortgage coming up and want to know how much it could cost you.

Chances are, the rates may be considerably different to your last re-mortgage, however these recent changes may be starting to soften the blow and you may be pleasantly surprised by the options available.

It’s our mission to provide tailored mortgage advice for your exact situation, and can look across a wide range of deals not found on the High Street, so please book an appointment to see how we can help you.

Contact us for a Review
W: www.mgcmortgagesolutions.co.uk
T: 01752 717998
M: 07549 136439
E: [email protected]

Please note, your home may be repossessed if you do not keep up repayments on your mortgage.

Sources:

Bank of England (2024) Current Bank Rate. Available at: https://www.bankofengland.co.uk/ [Accessed 5th November 2024]
Bank of England (2024) Official Bank Rate History. Available at: https://www.bankofengland.co.uk/boeapps/database/Bank-Rate.asp [Accessed 5th November 2024]

All the information in this article is correct as of the publish date 7th November 2024. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information.

Get the guidance you need!

01/11/2024

Budget Announcement

Chancellor Rachel Reeves has delivered Labour’s first Budget since 2010, after the party’s return to power in July’s general election.

We wanted to provide you with a summary of the most notable points that were made in Wednesday’s speech.

Personal taxes

Freeze on income tax and National Insurance thresholds to end in 2028, preventing people from being dragged into higher tax bands as their wages rise

Capital gains tax paid on profits from selling shares to increase from up to 20% to up to 24% – rates on additional property sales to stay same

Freeze on inheritance tax thresholds extended beyond 2028 to 2030

Housing

Social housing providers to be allowed to increase rents above inflation under multi-year settlement

Discounts for social housing tenants buying their property under the Right to Buy scheme to be reduced

Stamp duty surcharge, paid on second home purchases in England and Northern Ireland, to go up from 3% to 5%

Point at which house buyers start paying stamp duty on a main home to drop from £250,000 to £125,000 in April, reversing a previous tax cut

Threshold at which first-time buyers pay the tax will also drop back, from £425,000 to £300,000

Current affordable homes budget, which runs until 2026, boosted by £500m

Transport, alcohol, to***co

£2 cap on single bus fares in England to rise to £3 from January
5p cut to fuel duty on petrol and diesel, due to end in April 2025, kept for another year

Commitment to fund tunnelling work to take HS2 high-speed rail line to Euston station in central London

Commitment to deliver upgrade to trans-Pennine rail line between York and Manchester, running via Leeds and Huddersfield

Air Passenger Duty on flights by private jet to go up by 50%
Tax on to***co to increase by 2% above inflation, and 10% above inflation for hand-rolling to***co

Tax on non-draught alcoholic drinks to increase by the higher RPI measure of inflation, but tax on draught drinks cut by 1.7%

Wages, benefits and pensions

Legal minimum wage for over-21s to rise from £11.44 to £12.21 per hour from April

Rate for 18 to 20-year-olds to go up from £8.60 to £10, as part of a long-term plan to move towards a “single adult rate”

Eligibility widened for the allowance paid to full-time carers, by increasing the maximum earnings threshold from £151 to £195 a week

Business taxes

Firms to pay National Insurance on workers’ earnings above £5,000 from April, down from £9,100 currently, with the rate increasing from 13.8% to 15%

Employment allowance – which allows companies to reduce their NI liability – to increase from £5,000 to £10,500

Tax paid by private equity managers on share of profits from successful deals to rise from up to 28% to up to 32% from April

Main rate of corporation tax, paid by businesses on taxable profits over £250,000, to stay at 25% until next election

UK debt, inflation and economic growth

Office for Budget Responsibility predicts the UK economy will grow by 1.1% this year, 2% next year, and 1.8% in 2026

Inflation predicted to average 2.5% this year, 2.6% next year, before falling to 2.3% in 2026

Official definition of UK government debt loosened by including a wider range of financial assets, such as future student loan repayments

Government spending and public services

Extra £22.6bn for day-to-day spending on the NHS in England, and a £3.1bn boost to budget for investment

£6.7bn allocated for education investment next year, with £1.4bn earmarked for rebuilding over 500 schools

Source

BBC News (2024) Budget 2024: Key points at-a-glance. Available at: https://www.bbc.co.uk/news/articles/cdxl1zd07l1o [Accessed 30th October 2024]

All the information in this article is correct as of the publish date 31st October 2024. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content, and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information.

Please be aware that by clicking on to any of the above links you are leaving our website. Please note that neither we nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.

11/04/2024

ACT FAST TO SECURE YOUR MORTAGE RATE

The process of buying a home or arranging a re-mortgage can feel stressful enough, but it’s being made more challenging by recent data that reveals the average shelf-life of a mortgage product has dropped from 28 days down to just 15 days, making it more important than ever to act fast to help secure a deal that’s suitable for you.

Why don’t mortgage deals hang around?

Put simply, mortgage lenders are seeking to shield themselves against any interest rate risks involved with lending money on fixed rate mortgages.
Whilst inflation and interest base rates have been more settled as 2024 has progressed, the market forecasts and predictions remain changeable, and this impacts upon mortgage lender’s confidence in keeping their existing mortgage deals available for too long.
Lenders could also alter their mortgage products range depending upon their service levels, for instance they could switch off a product for which they have had a sudden spike in demand because of it being favourably priced for the customers.

What does this mean for you?

If you’ve got a new home purchase in mind this year or coming up to a re-mortgage period, it’ll be more challenging to provide an upfront forecast of the exact deals and opportunities available, because there is no guarantee that they’ll still be available after a short while, especially with notice periods from mortgage lenders sometimes just being a few hours ahead of the intended changes.

We’re here to help you navigate

It’s important not to panic – speak to us and we’ll be here to help find you the deals that are most relevant to yourself, having talked through your circumstances and located a deal that matches your own situation.
We keep an eye on the fast-moving marketplace and with eyes across a wide variety of lenders, mortgage deals and some exclusive not-on-the-high-street, we are best placed to guide you on the mortgage product that meets you bespoke needs.

Stay ahead of the game

As you may have guessed – speed is of the essence when putting in your mortgage application. With the fast-moving nature of the market, we’ll put our expertise to good use in aiming to find the most suitable deal for you. Here are a few tips to help secure a mortgage application:

Plan ahead – try to prepare a good six months in advance of your intended home move/re-mortgage date, and get in touch with us to help.

Get your Deposit in order – if you are putting a deposit down on a property, it’s helpful to have this clearly set aside and available to view, to help allow a mortgage application to process smoothly. In general, the larger amount of deposit you have available, the increased chances of finding a suitable deal at a favourable rate.

Create a clear paperwork trail – A big part of the process is checking your documents and passing to the mortgage lender for them to review and approve your application. By having key documents to hand, such as the last 3 month’s pay slips, identity documents, bills with proof of address and more, this can all help for a speedy application to be made. Take time to check that your identity documents are all up to date – featuring your latest address and if you’ve got married recently – the name on the documents too.

Know your Credit Score – if you’ve got time on your side, it’s an ideal opportunity to build up your credit score. Find out what your credit score is, and if necessary look at ways to improve this ahead of a mortgage application. Little things like using certain credit builder credit cards can make a difference, as can paying off unsecured debts and closing unused credit card accounts.

Here to help you

It’s likely you’ll see a lot of information in the media and online about mortgages and, but we’re always here to help answer any questions you may have and work with you to advise on the most suitable options to fit your exact circumstances, for now and the future ahead.

www.mgcmortgagesolutions.co.uk
Tel: 01752 717998
Mob: 07549 136439
Email: [email protected]

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Get the guidance you need!

22/12/2023

Remortgages: Don’t Just Settle for Your Lender’s Offer

2024 is set to be a busy time for many homeowners, with the initial fixed term periods on mortgages expiring for a lot of clients across the market, leading to some big decisions being required on remortgaging options.

What happens when your initial mortgage period expires?

Your initial fixed-term period will often expire after two years or five years, depending upon the specific deal, and after this, you’ll be put onto your mortgage lender’s Standard Variable Rate (SVR).

As you may be aware, the interest rates on the SVR may be higher than those that you can obtain with a fixed-rate deal, so it’s always worthwhile taking action ahead of your fixed-term period expiring, to ensure that you’re not paying more than you need to, and that you’ve got a mortgage deal that fits your exact circumstances.

With interest rates having risen considerably in recent times, it’s also highly likely that the mortgage deals you will come across may be significantly higher than your existing deal, so there’s a lot at stake to ensure that you’re getting a fair rate when it comes to your renewal.

Remortgage or Product Transfer?

How does it all work? Ahead of your mortgage’s fixed-term period coming to an end, we’ll get in touch with you to discuss the options available to you, but to summarise, there is often a choice between a full remortgage, or a product transfer.

A product transfer is simply switching from one mortgage product to another, at your same lender. This is often a straightforward process and allows you to take advantage of some of the fixed-rate deals available from your existing lender, to prevent you going onto the Standard Variable Rate.

However, in some cases, there may be other deals available from other lenders in the market that are more suited to your current circumstances, and to access these would require a remortgage.

The remortgage process take longer, and is similar to that of when you first applied for a mortgage. There would be evidence required of your earnings and property valuations undertaken, with more chance of fees payable to lenders, however, some may find that this inconvenience is offset through accessing deals that could possibly save more money and be of greater fit to your ever-changing circumstances.

How to know what’s most appropriate for you

It’s not always easy to know what’s right for you and your circumstances, so that’s where the value of professional mortgage advice comes in. We’re here to listen to your exact situation and to recommend the products that we believe are the most appropriate for you based upon looking at a wide range of lenders and exclusive deals that aren’t available on the high street.

It’s highly likely that your own lender will also reach out to you with offers of product transfers, however we would always recommend that you seek our experienced, professional advice before taking up any offers to ensure that these work in your interest as well as theirs. We’re more than happy to arrange both product transfers and remortgages, but pride ourselves in listening to your exact situation before giving bespoke advice that’s tailored to you.

Mobile: 07549136439
Email: [email protected]
Web: www.mgcmortgagesolutions.co.uk

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Get the guidance you need!

22/11/2023

Autumn Statement News Special

Today, Chancellor Jeremy Hunt has announced a range of tax and spending plans as part of the Government’s Autumn Statement.

We share a rundown of some of the key plans outlined earlier:

Minimum Wage to Rise

The National Living Wage is set to increase from £10.42 to £11.44 per hour from April 2024. This represents a rise of 9.8% and can be worth up to £1,800 extra per year for a full-time worker – what Chancellor Jeremy Hunt has referred to as “the largest ever cash increase” in the National Living Wage.

Benefits to Increase

Benefits will increase next year by 6.7%, which is the inflation rate for September. This applies across working-age benefits such as Universal Credit and disability benefits.

State Pension to Increase

The Government will increase the state pension by 8.5% to £221.20 a week, worth up to £900 more a year from April 2024. The Chancellor will also begin consulting on further pension reforms, including a proposal to give ‘one pension pot for life’ which involves giving pension savers the legal right that their employer pays contributions into their existing pension – with the Government estimating that this could unlock an extra £1,000 a year for the average earner saving from the age of 18.

National Insurance Reductions

The National Insurance rate cut from 12% to 10% from 6th January 2024.
‘Class 2’ National Insurance rates for self-employed people earning above £12,570 will be abolished, saving £192 a year for the average self-employed person.
There will be savings for self-employed people paying ‘Class 4’ National Insurance (earning between £12,570 - £50,270) as the rate is being cut by 1% down to 8% from April 2024.

Business Rate Relief Extended

The 75% discount on business rates up to £110,000 discount for retail hospitality and leisure businesses will be extended for another year, and the Government will freeze the small business multiplier for a further year.
Chancellor Jeremy Hunt says these measures will save the average independent shop over £20,000 and the average independent pub over £12,800 next year.

Clean Energy Plans

The Government has pledged reform for the time it takes for clean energy businesses to access the electricity grid by 90%. As part of these plans there will also be measures to enable discounts of up to £10,000 off electricity bills over 10 years for those living closest to new transmission infrastructure.

Local Housing Allowance Rises

The Local Housing Allowance will rise to £800 next year, helping out over 1.6m households next year. This is designed to help people on benefits to pay their rent to a private landlord, and has previously been frozen since 2020, despite rents rising sharply.

Additional Announcements

There will be a further rise to To***co Duty – with an extra 10% increase applied to hand-rolled to***co, above the existing to***co duty escalator. Meanwhile, alcohol duty remains unchanged until at least 1st August 2024.
An additional £4.5bn has been pledged to be invested into manufacturing by 2030, including support for aerospace firms, life sciences and new green industry firms.
The Government will invest £500m into new ‘innovation centres’ across the UK to make the country an “AI powerhouse” across the next two years.

Contact us for a Review

Tel: 01752717998
Mob: 07549136439
Email: [email protected]
Web: www.mgcmortgagesolutions.co.uk

Source: BBC (2023) Live Autumn Statement. Available at: https://www.bbc.co.uk/news/live/uk-67491863 (Accessed 22nd Nov 2023)

All the information in this article is correct as of the publish date 22nd November 2023. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information.

Get the guidance you need!

02/11/2023

The Bank of England Holds Interest Rates again at 5.25%

Today, the Bank of England has again announced that interest rates are to be held at 5.25%.
This is the second such decision to hold interest rates at 5.25%, after a long period of rate rises since the end of 2021. These previous rate rises have pushed up the cost of lending money, and consequently the cost of holding a mortgage.
The reason behind these increases was the Bank of England seeking to control inflation levels, and the latest data is indicating that this is starting to work – standing at 6.3% being the latest figure for November, according to the Office of National Statistics.

What does this mean for my mortgage?

A period of further stability ahead can be a good thing – the fact that rates are being held will be of comfort to those on variable-rate mortgages or on the Standard Variable Rate (SVR) where the monthly repayments closely follow the Bank of England base rate.
Today’s announcement may also be good news if your fixed-rate mortgage period is coming to an end soon, or you are considering purchasing a new home, with the mortgage market likely to be less volatile than if rates were suddenly increasing.

Let us see how we can help

We are here to provide you with the advice and guidance you need, and help with any queries you may have. There’s an overwhelming amount of information online, and some of it can be conflicting or confusing, so this is where we are here to help you.

We would recommend that you contact us to let us look at your individual circumstances and provide bespoke information to allow you to make educated decisions.

Mortgage rates could be better than you think.

Despite the doom and gloom from the national headlines of prices going up and the rising cost of living, in the mortgage world, things are starting to change, with some encouraging announcements recently that certain lenders are announcing fixed-rate mortgage products at lower rates than seen earlier in the year.

If you’ve been thinking of moving home, or if you have a re-mortgage coming up and you’ve been dreading what the potential costs could be, let us see how we can help. We have the ability to search across the market and can access deals that aren’t found on the High Street giving us the opportunity to find the most suitable deals based on your unique circumstances & financial situations.

You might be surprised at what we can find – so please don’t be put off by what you read online and book an appointment with us.

www.mgcmortgagesolutions.co.uk
Tel: 07549 136439
Email: [email protected]

Please note, your home may be repossessed if you do not keep up repayments on your mortgage.

All the information in this article is correct as of the publish date 2nd November 2023. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information.

Sources:
Office of National Statistics (2023) Inflation and price indices. https://www.ons.gov.uk/economy/inflationandpriceindices [Accessed 31 Oct 2023]
The Guardian (2023) Mortgage rates ease as Bank of England’s bitter medicine shows signs of working. Available at: https://www.theguardian.com/business/2023/jul/30/mortgage-rates-ease-as-bank-of-englands-bitter-medicine-shows-signs-of-working [Accessed 31 Oct 2023]

Get the guidance you need!

21/09/2023

The Bank of England Holds Interest Rates at 5.25%

Today, the Bank of England has announced that interest rates are to be held at 5.25%

This is very notable as it follows a long period of consecutive interest rate rises by the Bank of England that have pushed up the cost of lending money in the UK to the highest level seen in many years.

The Bank of England has previously been raising interest rates to control inflation levels by making it more attractive to save money and reduce consumer spending by increasing the cost of borrowing money. Latest data indicates that inflation is now starting to reduce from the highs seen earlier this year, standing at 6.7% for the latest figures from July.

How will this affect me?

With the first announcement that interest rates are being kept as they are, today’s news may be an indicator that the continuing rise in the cost of borrowing money is potentially starting to flatten out and stabilise once more.

We have been accustomed to regular rises in interest rates since late 2021, so this decision could be seen as a positive sign for potential homebuyers and those seeking re-mortgages to find more affordable rates. However, it is important to bear in mind that the cost of borrowing money has risen considerably in recent years, so most homeowners are likely to be facing increased monthly repayments when their fixed rate mortgage periods expire.

Let us see how we can help

At this time of great change and turbulence, it’s important to seek professional advice to assist with any queries you may have. There’s an overwhelming amount of information online, and some of it can be conflicting or confusing, so this is where we are here to help you.

We would recommend that you contact us to let us look at your individual circumstances and provide bespoke information to allow you to make educated decisions to meet your financial goals for now and the future ahead.

Mortgage rates could be better than you think.

Despite the doom and gloom from the national headlines of prices going up and the rising cost of living, in the mortgage world, things are starting to change, with some encouraging announcements recently that certain lenders are announcing fixed-rate mortgage products at lower rates than seen earlier in the year.

If you’ve been thinking of moving home, or if you have a re-mortgage coming up and you’ve been dreading what the potential costs could be, let us see how we can help. We have the ability to search across the market and can access deals that aren’t found on the High Street, matched to your exact circumstances and financial situation. You might be surprised at what we can find – so please don’t be put off by what you read online and book an appointment with us.

Contact us for a Review
Mobile: 07549136439
Email: [email protected]
Web: www.mgcmortgagesolutions.co.uk

Please note, your home may be repossessed if you do not keep up repayments on your mortgage.

All the information in this article is correct as of the publish date 21st September 2023. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information.

Sources:
Office of National Statistics (2023) Inflation and price indices. https://www.ons.gov.uk/economy/inflationandpriceindices [Accessed 18 Sep 2023]
The Guardian (2023) Mortgage rates ease as Bank of England’s bitter medicine shows signs of working. Available at: https://www.theguardian.com/business/2023/jul/30/mortgage-rates-ease-as-bank-of-englands-bitter-medicine-shows-signs-of-working [Accessed 18 Sep 2023]

Get the guidance you need!

31/08/2023

FINALLY, SOME POSITIVE NEWS FOR HOMEBUYERS?

As you know, recent times have been filled with headlines about rising mortgage rates, making it challenging for many to balance their monthly mortgage repayments against the rising cost of living or moving home to fit their current life circumstances, for example.

However, there are further glimpses of positive news as in recent weeks, a number of major UK lenders have started to reduce their rates, representing a refreshing change to the gloomier news seen earlier this year.

Alongside this, Halifax have stated that on average, UK housing is more affordable now than 12 months ago. According to their data, the typical home in the UK currently costs 6.7 times the average earnings of a full-time worker, which is down from 7.3 times, a year ago.

Some of the key rate changes at a glance

Nationwide and TSB have reduced rates by up to 0.4% on selected mortgage products.

Santander and HSBC have reduced selected rates by 0.20%.

Skipton Building Society have reduced their 100% loan-to-value mortgage to 6.29%, along with rate cuts to other mortgage products.

Halifax, part of Lloyds Banking Group, have also stated that a range of price cuts are taking place on their products, including selected five-year rates.

These reductions will bolster hopes that we have seen the peak of mortgage rates, even though borrowers still face near-record costs, with the average cost of a two-year fixed mortgage still at 6.76%, compared to the low rate of 2.34% witnessed back in December 20217 for example.

Why are these mortgage rates being reduced?

Recent data showed that UK inflation fell to a 15-month low in June, reversing a sharp increase earlier in the year. Furthermore, the need for lenders to compete in a challenging economic environment has also contributed to the rate cuts.

Looking ahead

Despite these promising signs, major reductions in mortgage costs are unlikely in the short term, with inflation still high and the Bank of England expecting rates to remain higher for longer. However, this recent positive development should not be overlooked, as it provides a glimmer of hope for those either looking to re-mortgage in the coming months, buy a first home or upsize on their existing property.

What this means for you

These lower rates could open more opportunities to find a mortgage that fits your current needs, whether it’s to help you secure a re-mortgage, find that dream new property, or help someone in your family to get onto the property ladder for the first time – please do get in touch with us to see how we can possibly help.

We’ll be able to navigate the complex world of mortgages and listen to your exact situation before searching across a wide range of products and strive to help you find one that matches your circumstances, lifestyle and financial goals.

Tel: 07549136439
Email: [email protected]
Web: www.mgcmortgagesolutions.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

Sources

The Guardian (2023) NatWest and Virgin Money cut rates as mortgage ‘price war’ spreads. Available at https://www.theguardian.com/money/2023/aug/10/natwest-and-virgin-money-cut-rates-as-mortgage-price-war-spreads (Accessed 21st August 2023)
BBC News (2023) Housing more affordable than a year ago, the Halifax says. Available at: https://www.bbc.co.uk/news/business-66585755 (Accessed 23rd August 2023)
Financial Reporter (2023) Nationwide cuts mortgage rates by up to 0.40%. Available at: https://www.financialreporter.co.uk/nationwide-cuts-mortgage-rates-by-up-to-040.html (Accessed 23rd August 2023)
Financial Reporter (2023) Santander announces further mortgage rate reductions. Available at: https://www.financialreporter.co.uk/santander-announces-further-mortgage-rate-reductions.html (Accessed 23rd August 2023)
Financial Reporter (2023) Skipton cuts 100% LTV mortgage rate in wave of reductions. Available at: https://www.financialreporter.co.uk/skipton-cuts-100-ltv-mortgage-rate-in-wave-of-reductions.html (Accessed 21st August 2023)
Financial Reporter (2023) Halifax announces further cuts to fixed rate mortgages. Available at: https://www.financialreporter.co.uk/halifax-announces-further-cuts-to-fixed-rate-mortgages.html (Accessed 21st August 2023)
The Times Money Mentor (2023) Will UK mortgage rates continue to go down in 2023?. Available at: https://www.thetimes.co.uk/money-mentor/article/mortgage-rates-uk-news-will-they-go-down/ (Accessed 21st August 2023)

All the information in this article is correct as of the publish date 31st August 2023. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information.