Lifetime Planning News & Blog

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Lifetime Planning offer mortgage and protection advice. Freephone 0800 43 53 49 or email us at


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Recent blog posts

This year, we at Lifetime Planning have taken part in the Salvation Army’s Christmas Toy Appeal. Over 25 gifts have been donated by our staff, with toys and gifts ranging for all ages.



4 Ways To Find Out What To Buy Your Colleague For Secret Santa

So the most wonderful time of the year has arrived, your office is doing Secret Santa and you’ve ended up pulling a name out the hat you don’t recognise. Oh great..! What if you end up buying them a chocolate rabbit and they’re lactose intolerant?! FEAR NOT. We’ve put together four ways that you’re definitely guaranteed 100% going to get them the perfect gift*.


Tagged in: christmas planning

Posted by on in Christmas

So, the season is upon us. Your office Christmas party is nearing. A chance for you and your colleagues to go out and enjoy the festive spirit(s). Do the following 10 stages sound familiar to you?

  1. Attempt to arrive late, so you’re not first one there – end up being the first one. Stand at the bar alone for a good 15 minutes wondering if you’re in the right meeting place.

  2. Somehow end up last to the table at the restaurant, with the only seat left being next to Nigel from Accounts. Exhaust all small talk with him. Scroll through your phone until your starter arrives.

  3. Enjoy a few glasses of the free wine at the table. Slur your words slightly, try to laugh it off – plead you’re not drunk.

  4. Awkwardly pose for photos that you’re not quite ready to be in. Pray that you don’t get tagged on Facebook.

  5. The shy admin assistant gets smashed on Apple Sourz, loses their bank card, starts crying and gets sent home in a taxi at 8.

  6. You all drunkenly agree you should be doing more outside of work with each other, and agree to do something every Friday in January. You all quietly forget/don’t bother mentioning it in January.

  7. Jump around with Nigel from Accounts to Slade’s Merry Christmas Everybody, fall into a table, spill drinks EVERYWHERE. Get a disappointed shake of the head from your HR manager.

  8. Get yourself into a dance off. Attempt the “worm”. Struggle to get back on your feet.

  9. Lose your jacket ticket for the cloakroom. Wrap yourself in tinsel “this’ll keep me warm”. Be stripped of it on the way out by the bouncers.

  10. Grab a taxi with a couple colleagues that live in the same area. Have a good snoop of the outside of their house from the taxi. Question yourself whether you actually DO live in the same area as them. End up paying £100+ to get home.

Let us know your office Christmas party mishaps. Tweet us @lifetimep or comment below.

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Posted by on in Mortgages

Is Now the Time to Switch Mortgage?

This week, the Bank of England voted to increase the base rate from 0.25% to 0.5%. The first increase in the base rate since 2007. [1]

With this increase, it looks that mortgage rates are set to increase from the record-low rates that many borrowers have been enjoying.


Posted by on in Mortgages

3 Times When to Switch Your Mortgage

Remortgaging is all about switching your mortgage without the hassle of moving to a new house. There are key times to do this. You don’t have to stay with the same lender for the duration of your mortgage, but don’t just switch mortgage to free up extra cash for holidays. Instead make an informed decision where the advantage is in your corner. Such as the following…

1. When rates are low


Life Without Insurance – Would You Run the Risk?

Could you and your family cope financially if the worst was to happen and you could not earn a living? Read on for our infographic on Critical Illness and Income Protection – Would You Run the Risk?

RiskReality Insurance2

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Could our Mortgage Jedi's help you with remortgaging? Freephone 0800 43 53 49 or fill in our online enquiry form.

Tagged in: remortgaging
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Lifetime Planning takes part in Wear a Hat Day for Brain Tumour Research

Today, we took part in Wear a Hat Day for Brain Tumour Research!  Wear a Hat Day takes place all over the UK. Our taking part is to help raise awareness and vital funds for this pioneering charity.

Scott Kennedy, CEO at Lifetime Planning, said: “The diagnosis of a brain tumour is devastating news to receive. Not only for the individual, but their family and friends as well. We are proud to help fund the fight against this disease which takes children from their parents and parents from their children before their time."



[definition] Critical Illness Cover pays out when the worst happens and you’re diagnosed with a serious illness such as cancer or stroke.

At the age of 37, one of our clients received the worst news. She had been diagnosed with thyroid cancer. The worst diagnosis you could ever receive. Sadly, there are 980 cases of cancer diagnosed every day*.


Posted by on in Insurance

Critical Illness Cover - Do you need it?

Could you and your family cope financially if the worst was to happen and you were to become seriously ill and could not earn a living?

Click on the image for a larger version



Income Protection Cover - Do you need it?

If you are unable to work because of illness, injury or disability - could you still pay your mortgage, bills or other living expenses?


All the different insurance types can seem confusing. Check out our image below for an overview of different life insurance types and how they can help you. 



Movember – Don’t Bury Your Head in the Sand

This month men all over the country will be growing out their facial hair for Movember as a fun way to raise awareness of men’s cancer and mental health risks.

We all think “It won’t happen to me”. Well as much as men might like to bury their head in the sand and pretend that’s the case, the facts are somewhat different.


Posted by on in Insurance

Global Treatment in real life

With worsening hearing loss in his right ear and a diagnosis of a rare benign tumour Ian was facing surgery. However he was in no pain and had no other symptoms. Feeling confused and uneasy, Ian contacted Best Doctors.GlobalTreatment

Best Doctors gave Ian access to surgical expertise

An MRI scan revealed an acoustic neuroma, a rare yet benign brain tumour that occurs on the nerve connecting the inner ear to the brain.


Put your life insurance on expenses.

Relevant Life Cover is potential tax efficient level term cover which can be used to cover anything from your mortgage to family protection. View our infographic below for more.


Posted by on in Insurance

Stoptober & Go Sober for October


As the nights get longer and weather cools off we start thinking about Halloween, Bonfire Night and Christmas; they aren’t that far away now! In one last push to get some of those New Year’s resolutions sorted before the end of the year, October offers two options with Stoptober and Go Sober for October. So if you want to quit smoking or drink less, this month has got you covered!


How long would you survive on your savings?


A recent study from Shelter revealed that more than a third of families (37%)1 in England could not afford to pay housing costs for more than one month if they lost their income and 23% of working families would be unable to pay housing costs at all.


It Pays to Review Your Life Insurance – Our Client’s Story

We got in touch with our client for a routine review of her life and critical illness insurance, she didn't realise she could claim for a big pay-out.

It pays to review you life insurance

Our client took out decreasing life and critical illness insurance in December 2013. She took out the policy to help her cope financially in case the worst happened and she became critically ill.


Christmas Planning - Our tips to avoid a ChristMESS

Having a big family Christmas this year? Something similar to the Home Alone movie?!

Don’t worry, we’ve got some tips for you to help your Christmas run as smoothly as possible.