Why Life Insurance Matters More Than Ever

In today's ever-changing world, uncertainties seem to loom around every corner. From economic fluctuations to global political tensions, it's natural to feel a bit unsettled about what the future holds.

Recently, there have been whispers in the wind about the possibility of the UK becoming embroiled in conflicts abroad. While politicians have reassured us that such scenarios are unlikely, it's a stark reminder of the fragility of life and the need to protect our loved ones, come what may.

Imagine for a moment the unimaginable: being called to serve your country in times of crisis. While this might seem like a distant possibility, the impact on your family's financial security could be significant. As a provider, partner, and possibly a parent, your absence could leave a void not only emotionally but also financially.

Consider the financial implications beyond just mortgage payments and bills. If you have children, think about childcare costs if the remaining parent needs to work or increase their hours to make ends meet.

While it's true that some protection companies may exclude coverage for deaths that occur during active duty, it's reassuring to know that there are reputable providers who do offer such coverage. This underscores the importance of seeking personalised advice from experts like us at GoGreen Financial Services. Unlike comparison websites that often prioritize finding the cheapest option and risk not even paying out,

But it's not just military service that poses risks. Accidents happen every day, from car crashes to unforeseen medical emergencies. It's crucial to recognize the multitude of ways in which life can take unexpected turns and to be prepared for any eventuality.

Now, let's shift the focus to a brighter outlook. At GoGreen , we specialize in providing peace of mind. Whether you're concerned about mortgage repayments, childcare expenses, or ensuring financial stability in times of crisis, we're here to help. With our extensive range of products and personalized service, we can put your worries to bed and help you build a secure future for you and your loved ones.

In conclusion, while we can't predict what the future holds, we can take proactive steps to safeguard our families and our futures.

Thank you for reading - Sarah Hubbard - sarah.hubbard@gogreenfs.co.uk

5 TIPS WHEN BUYING PROPERTY

Welcome to another insightful blog from GoGreen Financial Services! This month, we're delving into the intricate process of making property offers and navigating the beginning stages of buying a home. Whether you're a seasoned homeowner, a first-time buyer, or an investor eyeing the buy-to-let market, we've curated a treasure trove of tips, tricks, and hacks to empower you in your property journey.

1.      Embarking on your property journey without securing an Agreement in Principle (AIP) is like setting sail without a compass. This crucial step not only sets a realistic budget but also demonstrates to sellers and estate agents that you are a serious and financially capable buyer. An AIP is your key to unlocking the doors of opportunity in the property market.

2.      Understanding your financial landscape is paramount. Evaluate your income, expenses, and existing debts to determine a realistic budget. Partnering this with a mortgage assessment will provide a clear picture of how much you can borrow. Armed with this knowledge, you can confidently explore properties within your financial comfort zone.

3.      Navigating chains and carpet bagging; these can be bewildering terms, but they are critical concepts to grasp. Chains refer to the interdependency of property transactions, while carpet bagging involves opportunistic offers made above the asking price. As a buyer or seller, understanding these dynamics helps you make informed decisions and navigate the complexities of the market.

4.      In the UK, making offers involves a delicate dance between buyer and seller. Research local markets, liaise with estate agents, and master the art of negotiation. Meanwhile, in Scotland, the 'offers over' system prevails, promoting transparency and fair play. Understanding these regional nuances empowers you to make strategic and competitive offers.

5.      In the current housing landscape, we often hear the term "seller's market." This means that demand for homes outweighs the supply, giving sellers the upper hand in negotiations. Despite this, patience is your ally. Understanding market dynamics and being strategic in your approach will position you for success, even in a competitive environment.

Embarking on the journey of buying a home or investing in property requires a blend of knowledge, strategy, and patience. Especially in the current housing market, having a seasoned guide by your side can make all the difference. At GoGreen Financial Services, we're here to hold your hand through every step of the process, ensuring a smooth and successful journey. Tackle the beginning with confidence – let's make your property dreams a reality!

Sarah Hubbard - sarah.hubbard@gogreenfs.co.uk - 01635 242939

GREENDREAM - REFLECTIONS AND ASPIRATIONS

As the sun sets on 2023, it's time to pause, reflect, and welcome the promise of a brand new year. At GoGreen Financial Services, this year has been a whirlwind of challenges, milestones, and unexpected joys. Join me as I look back at the past six months of trading, navigating the storms, and embracing the madness that defined this transformative journey.

June 6th, 2023, marked not only the inception of GoGreen Financial Services but also a special day – Francesca's birthday. Little did we know that this juncture would be the starting point of an incredible adventure. This year has been no walk in the park. From the lingering effects from the Liz Truss nightmare to the shadows of war and oil price rises and the relentless increases in swap and mortgage rates, the challenges seemed never-ending. With living costs so high it was really important to me to get mortgage costs down as much as possible for my client’s, even when deals were pulled suddenly..(thanks lenders).

Starting a business amid the chaos might be considered madness, and adding the arrival of baby Georgia to the mix could be seen as the pinnacle of adventurous decision-making (eek). Yet, in the midst of what some might call madness, I have found unparalleled joy. Georgia's arrival brought a new kind of motivation, a reminder of the beauty in taking bold steps.

To my clients – you are the heart of GoGreen Financial Services. Your trust, support, and partnership have been the driving force behind my journey, so far! In a year where uncertainty prevailed, your loyalty has been the anchor that kept me steady and sane. Thank you, sincerely, for being the foundation on which I am building my dreams.

As we step into the blank canvas of 2024, the excitement is palpable. My commitment to sustainable finance deepens, and I’m eager to embark on new initiatives. The year ahead holds promises of charity partnerships, tree-planting endeavours, and the potential growth of the GoGreen team.

The rollercoaster of 2023 has taught me resilience, the importance of embracing the unexpected, and the joy that comes from pursuing my dreams. I'm filled with gratitude for the challenges and triumphs that have shaped GoGreen Financial Services into what it is so far.

Here's to the end of a challenging yet transformative half year and the beginning of an exciting new chapter. 

Wishing you all a Happy New Year filled with prosperity, joy, and green adventures!

Lots of love Sarah x