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Victor Garrett

Victor is a freelance writer who loves to read and write about personal finance and related disciplines with the aim of educating people to make better financial and investment decisions.

Recent Articles

Young couple going for holidays with colorful suitcases
Personal Finance

Travelling to the US? Don’t forget your worldwide travel insurance

| Victor Garrett

The US reopened its borders to UK visitors on 8 November. If you're planning a trip across the pond, don’t…

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Personal Finance

Are huge mortgage cancellation fees worth it to avoid higher rates next year?

| Victor Garrett

With uncertainty over interest rates, should you pay huge mortgage cancellation fees to remortgage now and avoid higher rates next…

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Happy family mother housewife and child son in laundry with washing machine
Personal Finance

How do I successfully secure my child’s future with a JISA?

| Victor Garrett

A JISA can help you secure your child’s financial future, but some parents are yet to open one. Consider these…

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Thoughtful anxious asian business woman looking away thinking solving problem
Personal Finance

Revealed: top 10 stocks traded by women in 2021

| Victor Garrett

Victor Garrett explores whether there's still a significant gender investment divide and the top stocks traded by women in 2021.

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Happy parents playing with little kids riding in box
Personal Finance

October rent figures show a 0.2% drop: are rents finally going down?

| Victor Garrett

According to new figures, the average rent in the UK is now £1,059. This is a 0.2% drop from the…

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Jar filled with coins
Personal Finance

Competitive savings offers set to hit the market, but could you miss out?

| Victor Garrett

New research shows many Brits don’t know the interest rate on their savings, and if competitive savings offers hit the…

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Elevated view over city of London skyline
Personal Finance

77 UK areas put on flood alert! Consider these 4 insurance and safety tips

| Victor Garrett

If you live in one of the many areas of the UK on flood alert, consider these 4 insurance and…

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Close-up of British bank notes
Personal Finance

Will the increase in the National Living Wage be sufficient amid rising inflation?

| Victor Garrett

The National Living Wage will increase to £9.50 in April 2022. But is it enough amid rising inflation? How can…

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Young woman preparing home budget, using laptop and calculator
Personal Finance

Don’t miss out on this opportunity to get rid of your rent arrears this winter!

| Victor Garrett

A £65 million support package has been announced for vulnerable renters. Don’t miss out on this opportunity to get rid…

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Young casual man and girl using laptop while looking at invoice and plan the budget to save.
Personal Finance

Covid-19 restrictions may return this winter: 6 tips to ensure you’re financially resilient

| Victor Garrett

Covid-19 restrictions may return this winter. Here's what you need to know about Covid plan B and some tips to…

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Jar filled with coins
Personal Finance

Why spending less and saving more should be here to stay!

| Victor Garrett

The pandemic has changed the way we spend and save. Recent research shows that Brits are now spending less and…

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a young couple celebrate getting the keys to their new home by taking a selfie in the garden
Personal Finance

Make haste! Grab a mortgage deal now before interest rates rise

| Victor Garrett

What's the likelihood of interest rates increasing? How will mortgage lenders respond? And what do mortgage brokers recommend? Here are…

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Business man on stock market crash financial trade indicator background.
Personal Finance

3 common trading mistakes beginners should avoid to minimise losses

| Victor Garrett

Trading is a great way to grow your finances, but it's easy to make mistakes. Here are some common mistakes…

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Older woman worried about the future
Personal Finance

Eyes up! Free NHS prescription age may align with State Pension age

| Victor Garrett

The free NHS prescription age could soon be aligned with the State Pension age. What can you expect if it…

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Aerial Houses Residential British England Drone Above View Summer Blue Sky Estate Agent
Personal Finance

Time to move? These are the 10 least affordable cities for Brits on minimum wage

| Victor Garrett

If you’re planning to move, it might be important to note the least affordable cities for Brits on minimum wage…

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For sale sign outside a home in an affluent suburb of London
Personal Finance

Here’s how much these renewable energy installations could increase the value of your home!

| Victor Garrett

Do renewable energy installations increase property value? Here's how much they can add to the value of your home and…

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Thoughtful anxious asian business woman looking away thinking solving problem
Personal Finance

How is your business going to be affected by climate change?

| Victor Garrett

The climate change forecast doesn’t look pretty. Is your business likely to be affected by climate change? If so, what…

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Business accounting concept, Business man using calculator with computer laptop, budget and loan paper in office.
Personal Finance

Just 8% of Brits have been consolidating their debts. Here’s why more should consider it!

| Victor Garrett

Are you struggling to pay off multiple debts? Have you considered consolidating your debts to make them more manageable? Here’s…

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Older woman worried about the future
Personal Finance

Furlough ends: unemployment looms and millions of workers forced to change careers

| Victor Garrett

Now that furlough has ended, unemployment is a real risk for millions of workers in the UK and many are…

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Retirement saving and pension planning
Personal Finance

Pension savers caught out by annual allowances, incurring significant tax charges

| Victor Garrett

Many pension savers are getting caught out by annual allowances, incurring significant tax charges. Are you among them? Here’s what…

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Home key with house keyring with calculator.
Personal Finance

October 2021: what’s the current house price forecast?

| Victor Garrett

It appears high house prices are here to stay. So, should you buy a house this winter? Here’s the house…

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Mother with son looking at product while shopping at supermarket
Personal Finance

Cost of living: new £500m Household Support Fund offers silver lining

| Victor Garrett

Victor Garrett explores the Household Support Fund that is intended to support families as coronavirus support schemes come to an…

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UK countryside
Personal Finance

Ranked: the best companies in the FTSE 100 to invest in for sustainable impact

| Victor Garrett

There's good news for investors looking to make more sustainable choices. DailyFX reveals 25 companies in the FTSE 100 to…

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Modern brick houses, built to traditional designs on a housing development in Northern England.
Personal Finance

How important is ‘kerb appeal’ to first-time buyers?

| Victor Garrett

What features give prospective buyers a strong first impression? How important is 'kerb appeal' to first-time buyers? Let’s find out.

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Young lady working from home office during coronavirus pandemic.
Personal Finance

Employee financial wellbeing may be the next big challenge for employers

| Victor Garrett

Employee financial wellbeing can be crucial to the success of a business. But what can employers do to help employees…

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For Sale signs displayed outside terraced houses
Personal Finance

Property sales continue to rise despite a drop in July

| Victor Garrett

HMRC has published its monthly property sales figures for August 2021. Are sales on the up? Victor Garret takes a…

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Home key with house keyring with calculator.
Personal Finance

House prices are rising, but mortgage rates offer a silver lining

| Victor Garrett

Mortgage rates are currently at record lows. But should you be rushing to take advantage of these cheap rates? Here's…

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University graduate student diploma piggy bank
Personal Finance

5 reasons uni students should pay their own way

| Victor Garrett

Could you harm your child's financial future by supporting them through uni? I take a look at why uni students…

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Sheet of paper with retirement savings plan on it
Personal Finance

This is how much cash you need for 1-3 years’ worth of expenses in retirement

| Victor Garrett

Have you ever wondered what kind of emergency fund you'll need in retirement? Victor Garrett takes a look at the…

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Happy parents playing with little kids riding in box
Personal Finance

Renting in 2021: what should I know?

| Victor Garrett

The Hamptons Monthly Lettings Index shows renting data for August 2021. What should you know if you want to rent…

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Home key with house keyring with calculator.
Personal Finance

First-time buyer: is now a good time to buy?

| Victor Garrett

The Bank of England published mortgage lender statistics for Q2 of 2021. Do the numbers suggest that it's a good…

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Sold sign displayed outside a terraced house
Personal Finance

Will UK house prices drop in Q4 of 2021?

| Victor Garrett

The Office for National Statistics (ONS) has released house price data for July 2021. Does it show a drop in…

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'For Sale' sign outside of a terraced house in the UK
Personal Finance

Stamp Duty holiday ended: why are house prices rising?

| Victor Garrett

House prices in the UK rose by 0.7% in August despite the end of the Stamp Duty holiday. Victor Garrett…

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For Sale signs displayed outside terraced houses
Personal Finance

UK house prices continue to rise: is it a good time to buy?

| Victor Garrett

The latest Halifax House Price Index has revealed that house prices hit record highs in August. What does this mean…

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Vacation travel planning concept with map.
Personal Finance

Which are the best-value destinations to travel to post-lockdown?

| Victor Garrett

Recent research has highlighted the best-value destinations to travel to for a post-lockdown break. Victor Garrett takes a look.

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'For Sale' sign outside of a terraced house in the UK
Personal Finance

How to deal with gazumping when buying a property

| Victor Garrett

Gazumping is one of many challenges that buyers can face when buying property. But what is it? And is it…

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A retired couple review their investing portfolio
Personal Finance

How you can boost your State Pension

| Victor Garrett

Helen Morrissey, senior pension and retirement analyst at Hargreaves Lansdown, highlights things you can do to boost your State Pension.…

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For sale sign outside a home in an affluent suburb of London
Personal Finance

The 10 most affordable UK towns for first-time buyers

| Victor Garrett

Thomas Goodman, building and construction expert at MyJobQuote, has revealed the most affordable places in the UK for first-time buyers.…

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Mother and Daughter Blowing Bubbles
Personal Finance

How much is the average home insurance in the UK?

| Victor Garrett

When taking out home insurance, you need to know you're getting a good deal. Victor Garret takes a look at…

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Two women in the home office
Personal Finance

What is the most a landlord can raise your rent in the UK?

| Victor Garrett

Is your landlord allowed to increase your rent? How much can a landlord raise your rent in the UK? Victor…

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