Westfield FS and Wills

03/09/2026

Your home, family, job and finances may all have changed since you arranged life insurance—but has your cover kept up?

Our latest guide looks at the important moments when an existing policy should be reviewed and why reviewing cover does not automatically mean replacing it.

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26/08/2026

Who should benefit from your estate when there is no obvious person to leave everything to?

A Will can still create something deeply personal. You might remember a close friend or neighbour, leave treasured belongings to particular people and give the remainder to a hospice, animal charity or local cause that has mattered to you.

Our latest article looks at the different ways a charitable legacy can be structured—and why there is no single right approach.

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Thinking of leaving your estate to charity? Explore how charitable gifts in a Will work, from personal legacies to sharing the residue.Excerpt: When there is no obvious personal beneficiary, leaving some or all of an estate to charity can create a meaningful legacy. This guide explains the different...

24/08/2026

Moving home while you are still on a good mortgage deal? Porting may allow you to keep your current rate, but it is not automatic. You will normally need to apply again, pass affordability checks and consider how extra borrowing or early repayment charges could affect the cost. Our latest guide explains what mortgage porting really means:

Can you take your mortgage deal when you move? Learn how mortgage porting works, including affordability checks, extra borrowing and ERCs.Excerpt: A portable mortgage may let you keep your current deal when you move, but approval is not automatic. Learn how affordability checks, extra borrowing and....

20/08/2026

Thinking of giving money or property to your family?

The seven-year rule is often misunderstood. Our latest guide explains how it works, when taper relief applies and why good records matter.

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Learn how the seven-year rule affects lifetime gifts, when taper relief applies and why some gifts may still remain part of your estate.

20/08/2026

Can you still get a mortgage in your 50s or 60s? Age alone does not necessarily close the door.

Our latest guide explains how lenders may assess your income, mortgage term, retirement plans and overall affordability.

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Can you get a mortgage in your 50s or 60s? Learn how lenders assess mortgage terms, retirement income, deposits and affordability later in life.Excerpt: Being in your 50s or 60s does not automatically prevent you from getting a mortgage. Find out how lenders may assess the term, retirement income, e...

17/08/2026

Gifting a home or investment property to your children may seem straightforward, but the transfer can have consequences long before Inheritance Tax becomes relevant.

Who controls the property afterwards? Could Capital Gains Tax or Stamp Duty Land Tax apply? What happens if you continue living there—and does the gift really protect the home from future care costs?

Our latest article explains the important questions to ask before transferring a property to the next generation.

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Thinking of gifting property to your children? Understand the ownership, tax, care-fee and family risks before transferring your home or investment.

13/08/2026

A family business or farm can take a lifetime to build—but what would happen if its owner were no longer there to make the decisions?

Succession planning is about far more than naming a beneficiary. Our latest article looks at choosing the right successor, treating family members fairly, coordinating wills and business agreements, and planning for the tax and cash-flow pressures that may arise.

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Discover how business owners and farmers can plan for succession, protect continuity and pass on a business or farm with fewer complications.

05/08/2026

If retirement is around five years away, now is the time to turn a rough idea into a practical plan.

Do you know where all your pensions are, how much income they could provide and whether your current investments still match the way you intend to retire?

Our latest article looks at the important steps to take during the five-year retirement countdown, from tracing old pensions and reviewing debts to planning when and how to take your benefits.

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Five years from retirement? Learn how to trace pensions, estimate your income, reduce debt, review investments and plan how to take your benefits.

03/08/2026

If you have money left over each month, should you use it to reduce your mortgage or increase your pension contributions?

Both choices could improve your financial future, but the right answer depends on your mortgage rate, pension tax relief, employer contributions and when you may need access to the money. In many cases, a mixture of the two could provide the right balance.

Read the full article to explore which option might work best for you:

Have money left over each month? Discover whether mortgage overpayments, additional pension contributions or a mixture of both could be right for you.

28/07/2026

Could someone you have not spoken to for years still inherit your estate?

If you die without a valid will, the rules of intestacy follow legal family relationships—not emotional closeness. This means an estranged relative could inherit while an unmarried partner, stepchild or close friend receives nothing.

Find out how the law works and why a valid will matters:

Discover why estranged relatives may still inherit under intestacy law in England and Wales, while partners and stepchildren could receive nothing.