It’s hard work starting a business from scratch. Sometimes you feel that you’re taking two steps forwards before something knocks you three steps back again.
Whether it’s staff, business rates, global pandemics, you name it……
https://co-navigate.co.uk/wp-content/uploads/2021/06/Business-Ownership-Trap-business-partners-Co-Navigate-Financial-Planner-Newcastle.jpg9501080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2021-06-15 12:19:182021-06-15 12:26:13The Business Ownership Trap
Co-Navigate is now an Associate Firm with the Society of Mortgage Professionals, we are delighted to announce.
And we are equally excited that Director and Mortgage and Protection Adviser Lyndsey has joined the Personal Finance Society local…
https://co-navigate.co.uk/wp-content/uploads/2021/06/SMP-logo-1.png654952Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2021-06-08 12:19:282021-06-08 12:21:02We’re an Associate Firm of the Society of Mortgage Professionals
The Mortgage Guarantee Scheme ‘officially’ launched this week to help those who want to buy a home with a 5% deposit. It was announced by the government to encourage lenders to re-introduce 95% Loan to Value (LTV) mortgages, as most were…
https://co-navigate.co.uk/wp-content/uploads/2021/04/Mortgage-Guarantee-Scheme-Co-Navigate-Financial-Planner-Newcastle-Mortgage-Broker.jpg12121188Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2021-04-20 11:00:422021-06-08 12:20:16What is the Mortgage Guarantee Scheme?
The first lender to offer 95% loan-to-value mortgages since the start of the pandemic is launching a new deal.
Accord Mortgages has announced its new product will be exclusively available to first-time buyers and that they are not using…
The current Stamp Duty Holiday comes to an end in a little over two months. And there is a growing call from across the property industry for the Chancellor to extend it.
Removing the property tax from homes under £500,000 has been a shot…
https://co-navigate.co.uk/wp-content/uploads/2021/01/STAMP-DUTY-HOLIDAY-Co-Navigate-Financial-Planner-Newcastle-Financial-Adviser.jpg11021080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2021-01-18 10:32:482021-01-18 11:05:20Should the current Stamp Duty Holiday be extended?
It’s generally good practice to think of your savings and investments within three distinct categories:
short-term – less than 5 years (emergencies, holidays and other short term goals less than 5 years away)medium-term (school fees,…
https://co-navigate.co.uk/wp-content/uploads/2021/01/Truth-about-savings-Co-Navigate-Financial-Planner-Newcastle-Financial-Adviser.jpg11021080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2021-01-12 11:53:052021-01-12 12:40:07The truth about your savings
A new year is a good time to assess your goals, whether that’s fitness, career or finances. When it comes to financial goals, consider the long-term as well as the next 12 months.
But if the start of a year is your catalyst to getting…
https://co-navigate.co.uk/wp-content/uploads/2021/01/Couple-Make-Financial-Plans-Co-Navigate-Financial-Planner-Newcastle.jpg11021080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2021-01-05 09:32:292021-01-05 09:56:02Financial goals for the new year
From time to time, we get asked why people should be pay fees for financial planning advice. To be honest, it baffles me why people should expect a financial adviser to offer free services.
I believe that this is due to many misconceptions,…
https://co-navigate.co.uk/wp-content/uploads/2020/12/Why-Pay-for-Financial-Advice-Co-Navigate-Newcastle-Financial-Advisers-and-Planners.jpg710993David Blakelockhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngDavid Blakelock2020-12-01 10:58:342020-12-01 11:07:24Why pay for financial planning advice?
This year has been like no other and the mortgage market, as expected, has been impacted by the Covid pandemic.
Although house prices climbed to record highs during 2020, the volume of mortgage transactions fell. Lenders also became…
https://co-navigate.co.uk/wp-content/uploads/2020/11/The-Mortgage-Market-and-Covid-Co-Navigate-Newcastle-Financial-Advisers-and-Planners.jpg710993Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-11-25 08:55:052020-11-25 09:20:08How Covid has affected the mortgage market
If you have a child or children reaching the age of 18 between now and 2029 their Child Trust Funds (CTFs) are due to mature.
The CTFs are tax-free savings accounts given to 6 million children born between 1 September 2002 and 2 January…
https://co-navigate.co.uk/wp-content/uploads/2020/10/Child-Trust-Funds-Co-Navigate-Newcastle-Financial-Advisers-and-Planners.jpg710993Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-10-07 10:29:072020-10-07 10:46:50Are your Child Trust Funds about to mature?
Supporting local events is something we love to do at Co-Navigate. It’s all part of our mission to give! Whether it’s giving something back to our community or giving advice to clients so they realise their goals and dreams.
https://co-navigate.co.uk/wp-content/uploads/2020/09/Co-Navigate-supports-local-community-event-including-Saltwell-10K-Road-Race.jpg7761085Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-09-22 14:52:272020-09-22 15:11:30Co-Navigate giving back to our community
What is your position at Co-Navigate?
Financial Planning Assistant
When did you start work at Co-Navigate?
What was your experience before working here?
I moved to Co-Navigate straight after school…
https://co-navigate.co.uk/wp-content/uploads/2020/09/Dan-Financial-Planning-Assistant-Newcastle-Co-Navigate-Financial-Support-Adviser.jpg707700Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-09-08 09:43:002020-09-04 09:57:47People behind Co-Navigate: Dan Bullen
What is your position at Co-Navigate?
Mortgage and Protection Assistant
When did you start work at Co-Navigate?
What was your experience before working here?
I hadn’t been in financial…
What is your position at Co-Navigate?Financial Planning Assistant
When did you start work at Co-Navigate?April 2019
What was your experience before working here?I started in financial planning in 2001, so I have 19…
https://co-navigate.co.uk/wp-content/uploads/2020/08/Brenda-Financial-Planner-Newcastle-Co-Navigate-Financial-Support-Adviser.jpg707700Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-08-27 16:13:322020-09-02 12:39:30People behind Co-Navigate: Brenda Bailey
Don't leave it too late
Inheritance is an emotive subject and is likely to come into focus over the next 12-18 months as the Chancellor looks to raise money for the Treasury.
The coronavirus pandemic has cost the government billions.…
https://co-navigate.co.uk/wp-content/uploads/2020/08/Inheritance-and-estate-planning-Co-Navigate-Newcastle-Financial-Advisers-and-Planners-3.jpg11001080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-08-19 15:27:212020-08-19 15:50:10Inheritance and estate planning
Life in the past few months has been a real struggle, with the Institute of Fiscal Studies claiming that the Covid-19 pandemic will affect people’s mental health.
Struggles in the wake of lockdown and isolation is likely to have a long-term…
https://co-navigate.co.uk/wp-content/uploads/2020/08/How-is-your-financial-wellbeing-Co-Navigate-Newcastle-Financial-planner-web.jpg11001080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-08-13 11:40:522020-08-13 11:49:49How is your financial well-being?
The final interview with our directors is with Jamie Bogle. He is Co-owner of Co-Navigate along with fellow founder Andy Mathers. After lots of experience in finance, he now enjoys the fact he can shape his own destiny as a business owner.…
In our last blog, we met Andy Mathers. Now, we introduce our Mortgage & Protection Adviser, Lyndsey, and discover how helping her Dad as a teenager helped her put her foot on the career ladder of financial services...
As part of a new series, we are introducing the people behind Co-Navigate. You may have already met the Co-Navigate family on our 'Meet the Team' page. But what makes them tick? And how did they move into a career in financial planning?
https://co-navigate.co.uk/wp-content/uploads/2020/07/Andy-Mathers-Co-Navigate-Director-and-Financial-Planner.jpg11021080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-07-21 12:01:442020-07-21 12:06:46People behind Co-Navigate: Andy Mathers
If you are a first-time buyer, you may hear all kinds of ‘facts’ about buying your first home and obtaining a mortgage. But many of these facts are simply not true!
Getting your foot on to the property ladder is difficult enough without…
Remortgaging is not only something to consider when your current mortgage term is coming to an end (to prevent reverting to Standard Variable Rate), it can also be a very useful way to raise capital.
Using equity tied up in your home can…
https://co-navigate.co.uk/wp-content/uploads/2020/06/Couple-remortgaging-for-a-house-extension-Co-Navigate-Newcastle-Mortgage-Broker-3.jpg11801080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-06-19 15:02:002020-06-19 15:03:53Remortgaging to raise capital
A recent poll carried out by Co-Navigate, a financial planner and financial adviser in Newcastle, found that parents want help teaching children about the value of money.
https://co-navigate.co.uk/wp-content/uploads/2020/06/Teaching-Children-About-Money-Co-Navigate-Newcastle-Financial-Advisers-and-Planners-3.jpg11001080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-06-16 13:56:092020-06-16 14:25:46Teaching children the value of money
Last week, online property portal Rightmove reported that new data shows online house searches have returned to pre-Covid-19 levels.
Specialist mortgage software firm Twenty7Tec said it saw searches for new mortgages overtaking remortgages…
https://co-navigate.co.uk/wp-content/uploads/2020/05/House-searches-return-to-pre-Covid-levels-Newcastle-Mortgage-Broker-Co-Navigate-22.jpg11021080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-05-29 17:57:322020-06-16 14:37:10Online house searches return to pre-Covid levels
As the coronavirus lockdown continues, how are you managing with your finances in these tough times?
Many people are facing a few weeks, potentially months, where income may fall due to being furloughed or having their hours/wages cut.
https://co-navigate.co.uk/wp-content/uploads/2020/05/How-to-stay-ahead-with-your-finances-in-tough-times.jpg8521080Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-05-19 17:18:462020-05-29 17:30:33How to stay ahead with your finances in tough times
We’re in the midst of a Health War. A unique war, with every country in the world united in an effort to beat the same enemy. A silent, invisible, deadly enemy.It’s encouraging that China has curtailed the virus with very few new cases.…
https://co-navigate.co.uk/wp-content/uploads/2020/04/Standing-together-with-co-navigate.jpg6301200Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-04-03 17:42:292020-04-03 17:42:31We'll get through it!
In these unprecedented times, there are a lot of questions around what the Government has announced as ‘mortgage relief for homeowners’, writes Lyndsey. Hopefully, the points below will help offer some clarification of the finer details.…
https://co-navigate.co.uk/wp-content/uploads/2020/03/Mortgage-Holiday-for-Clients-during-coronavirus-outbreak-Co-Navigate-Newcastle-Mortgage-broker-web.jpg444667Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-03-20 16:36:142020-03-20 16:37:56Mortgage Payment Holidays for Clients Impacted by Covid-19
What do you think of when you hear the word ‘retirement’? Is it relaxing on a sun-kissed beach, cruising around the world or buying a holiday home?
Whatever your goal for retirement is, you’ll never achieve it if you don’t plan.
https://co-navigate.co.uk/wp-content/uploads/2020/03/Early-retirement-financial-plans-Co-Navigate-Newcastle-Financial-Planner.jpg9001200Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-03-11 18:12:482020-03-11 18:15:12Retiring early doesn't have to be a dream
Whether you’re sick of hearing coronavirus (or COVID-19) on the news or trembling with fear and washing your hands 40 times a day, the threat of a global pandemic is very real.
What that will mean for us in reality we will only know…
https://co-navigate.co.uk/wp-content/uploads/2020/03/coronavirus-stock-market-falls-Co-navigate-Newcastle-financial-planning.jpg7761111Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-03-09 09:10:522020-03-09 09:10:54Don't worry about coronavirus and the stock market!
Remortgaging is something many homeowners do – but a recent study shows that not enough people who can remortgage take advantage of it.
It may be that they are unaware that they can remortgage or don’t know what it is. Or it may be a…
Planning your finances sounds like such a good idea – and that’s because it is. But many people either never get around to it or fear they don’t earn enough to use a financial adviser.
But, as the saying goes, failing to plan is planning…
https://co-navigate.co.uk/wp-content/uploads/2020/02/Financial-planning-makes-sense-Newcastle-financial-planner-1.jpg8001200Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-02-24 10:23:422020-02-26 15:11:25Planning your finances makes sense
Pensions. Even the mention of the word sends some people drowsy.
But if you think you’ve a good few years to think about putting cash into a pension you may end up missing out later in life.
At Co-Navigate we like to hear about your…
https://co-navigate.co.uk/wp-content/uploads/2020/02/Financial-Planning-Pensions-Advice-Newcastle-Co-Navigate.jpg8381200Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-02-14 14:38:572020-02-14 14:53:13Pensions: do you need one?
First-time buyers are understandably nervous when it comes to buying their first home. There is so much information out there and there are a lot of steps involved.
Your home is the likely to be the most expensive purchase you’ll ever…
https://co-navigate.co.uk/wp-content/uploads/2020/02/Mortgage-broker-near-me-Newcastle-first-time-buyer-what-you-need-to-know-Co-Navigate-1.jpg688831Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-02-03 14:02:072020-02-26 15:14:47First-time buyers: all you need to know
https://co-navigate.co.uk/wp-content/uploads/2020/01/Financial-planning-Newcastle-savings-and-investments-co-navigate.jpg9471200Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2020-01-27 14:06:492020-01-27 14:10:30Savings and investments: what is the difference?
https://co-navigate.co.uk/wp-content/uploads/2017/06/RM-Lifetime-ISA-struggles-to-get-off-the-ground.jpg6671000Co-Navigate Teamhttp://co-navigate.co.uk/wp-content/uploads/2016/01/Conav-logo-main.pngCo-Navigate Team2017-06-26 12:58:492017-06-28 17:48:45The Lifetime ISA. How does it compare to the standard ISA and to pensions?
An area we feel passionate about is offering expert advice in the area of ethical investing, or Socially Responsible Investing (SRI). We place your unique beliefs and values at the core of our planning.
Click on the different category headings to find out more. You can also change some of your preferences. Note that blocking some types of cookies may impact your experience on our websites and the services we are able to offer.
Essential Website Cookies
These cookies are strictly necessary to provide you with services available through our website and to use some of its features.
We provide you with a list of stored cookies on your computer in our domain so you can check what we stored. Due to security reasons we are not able to show or modify cookies from other domains. You can check these in your browser security settings.
Google Analytics Cookies
These cookies collect information that is used either in aggregate form to help us understand how our website is being used or how effective our marketing campaigns are, or to help us customize our website and application for you in order to enhance your experience.
If you do not want that we track your visist to our site you can disable tracking in your browser here:
Other external services
We also use different external services like Google Webfonts, Google Maps, and external Video providers. Since these providers may collect personal data like your IP address we allow you to block them here. Please be aware that this might heavily reduce the functionality and appearance of our site. Changes will take effect once you reload the page.
Google Webfont Settings:
Google Map Settings:
Google reCaptcha Settings:
Vimeo and Youtube video embeds: