Just moved? Time to think about your pension– 90 second interview with Rob John

Our CEO Luke Loveridge talked with Rob John to get his view on financial planning once you’ve bought a new home including pension planning and what things to consider when investing in a buy-to-let property. 

Rob works for the Mortgage Advice Bureau as a Financial Advisor with 10 years of experience in the wealth management sector.  

Luke: What financial advice would you give people who have just bought their new home?


Congratulations on your move. I bet you’re glad that’s out the way? So now may be a good time to help with other important areas of your life such as pension planning, for instance.

A lot of people these days will have their “pension” in property; so they’ll have their buy-to-let property as their pension. Now bear in mind, there’s a lack of, it’s not a very liquid asset if you need money sort of quickly and you need to sell. Any sale is subject to Capital Gains Tax as well, if it’s a property that’s let out of course, and it doesn’t always have the natural tax advantages that you would do from contributing into your personal pension.

Did you know that 17% of people in the UK have no private pension provision at all. In that case the state pension would have to be relied on and this is only just over £9,500 each year, in today’s money that is. And your also have to have 35 years worth of National Insurance contributions to qualify for full state pension. Now, I’m sure you’ll agree that’s not a lot, and if you want to take steps to ensure you’re on track for retirement, please feel free to contact me and I will be happy to provide pension advice.

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