June 24, 2019
House prices set to increase significantly faster in the North than in the South, being a result of the continuing property market cycle.
June 21, 2019
Here are a few things you could do this weekend to transform your outdoor space into the ultimate place to soak up the sun.
June 20, 2019
Counties in the North West of England saw a big increase in both the number of lots offered and sold at auction in May, fresh data shows.
June 18, 2019
Believe it or not, summer is right around the corner. Fantastic news! This means warmer weather and lighter evenings, but it also means you need to ensure your home is ready...
June 14, 2019
We had a fantastic June auction filled with unique properties, camera crews and great results! Read about all the action from our auction here.
May 31, 2019
This auction we have over 80 fantastic residential and commercial properties going under the gavel, which you can view here.
May 23, 2019
Although the first bank holiday has been and gone, the second one is just around the corner. If you’ve not already filled your calendar with loads of fun things to do, we’ve got you covered!
May 21, 2019
In recent years there have been major changes to the way properties are transacted. It is crucial for estate agents to continually adapt to keep up the pace with the changes coming into place.
May 16, 2019
If you are eager to get onto the buy-to-let property ladder and are aged 50+ then we’ve got some good news. The number of mortgages available for older investors is rapidly increasing.
May 14, 2019
While both renting and buying have their own sets of financial advantages, renting does appear to have an edge for people who are not completely ready to commit to buying.
May 13, 2019
Our third auction of the year is nearly upon us. With a long list of stunning properties going under the gavel, this really will be one not to miss!
May 10, 2019
This week we’ve had some amazing listings. Find some incredible hot properties in Stalybridge, Davenport and Marple.
May 9, 2019
Did you know that it’s a legal requirement to have a Buildings Insurance policy in place if you have bought your property with a mortgage?
May 8, 2019
Adults often feel as though their house is a safe haven for their little ones, but it is rather incredible what kids can highlight to any parent as a hazard in the home.
May 3, 2019
Although this upcoming bank holiday might not be as sunny as the Easter bank holiday, there's still loads of fun things to do over the three-day weekend.
Saving for a deposit can be tough, but there are loads of different options out there to help you on your way to owning a home.
Former pub, The Bow Garrett in Edgeley has nearly finished its transformation into a new apartment block – here's what it looks like now...
April 30, 2019
Saving for a house seems to be increasingly difficult, especially with the rise in property prices within the last few decades.
April 26, 2019
We had a fantastic April auction filled with unique properties, camera crews and great results! Read about all the action from our April auction here.
This week we’ve got some fantastic hot properties and had some amazing listings in Denton, Edgeley and Withington.
When thinking about the warmer months, it is nice to jump towards looking for summer clothes and booking your family holiday.
April 23, 2019
Learn about Due Diligence and understand the potential advantages and disadvantages of the property in question when buying at auction.
As the countdown to our April property auction commences, I thought I'd take a few minutes out to give you some pointers on how to prepare for the auction, get yourself organised and make the most of the day!
April 17, 2019
New data by Rightmove has revealed that families are helping boost activity in the UK housing market this spring.
This auction we have over 60 fantastic residential and commercial properties going under the gavel, which you can view here.
April 15, 2019
As Easter is right around the corner, we thought we'd give you a chance to win some goodies with our social media competition.
April 12, 2019
This week we’ve got some fantastic hot properties and had some amazing listings in Hyde, Romiley and Levenshulme.
April 11, 2019
Thinking about taking on a renovation property? Here are eight things you need to know before tackling a renovation project.
I’d like to introduce you to Nick, our Head of Commercial Auction. He’s the expert ready to answer all your commercial property questions!
March 27, 2019
With the average cost of moving house in the UK ranging between £9,000-£12,000, it’s understandable that it can be daunting to begin the process.
March 25, 2019
The 44-storey tower offers luxury rental accommodation, allowing its residents to live the ‘high-life’ in every sense of the word.
March 21, 2019
A recent study has revealed the best and the worst areas in the country for their energy efficiency at home. Within the study, there were 15,623,536 homes EPC.
March 20, 2019
Spring is here and with it, new beginnings! According to data two-thirds of Rightmove users start home-hunting at this time of year.
If you are thinking about selling up or just looking to add value to your property, here are some handy hints and tips to help you out...
March 14, 2019
Here's the full list of results from our March property auction. There are still some amazing properties to buy post auction, so be sure to take a look!
March 13, 2019
This week we've got some fantastic hot properties and had some amazing listings in Levenshulme, Hazel Grove and Davenport.
March 11, 2019
I wanted to take some time to answer a selection of the questions I get asked most frequently about all things auction. So here goes...
March 8, 2019
Getting onto the property ladder can be a big step for anyone to take, especially for those with zero prior experience. Here are a few questions and answers
March 6, 2019
Have rates increased or decreased? Keep up to date with the latest mortgage deals & rates and find out if now is the best to remortgage your property.
March 5, 2019
This auction have over 50 fantastic residential and commercial properties going under the gavel, which you can view here.
March 1, 2019
Getting on the property ladder can be a very daunting process, a lot of the time due to stepping into unfamiliar territory
February 27, 2019
When you're a homeowner, more often than not it’ll likely come to a time where you are ready to downsize. Here are a few tell-tale signs it might be time to look for somewhere a little smaller.
February 23, 2019
We don't have a crystal ball that will tell us what's going to happen post-Brexit, but we do have a few theories on the future of the housing market in 2019.
February 22, 2019
This week we've got some fantastic hot properties and had some amazing listings in Denton, Levenshulme and Offerton.
Are you a homeowner guilty of neglecting to check your roof? 57.4% admit to having never checked theirs at all and 56.9% never even look out for leaks.
February 19, 2019
Help to Buy is a government scheme which can help first time home buyers get a property with just a 5% deposit. We explain the different schemes.
February 15, 2019
Spring will soon be around the corner so you may want to start thinking about getting your garden fresh and ready for the warm weather.
February 12, 2019
There are so many things the Amazon Alexa can do, including helping to get your love life in order. Here is a guide on how Alexa can help you this Valentine's Day.
February 7, 2019
As Valentines Day is right around the corner, we thought we'd spread the love and give you a chance to win some goodies with our social media competiton.
February 5, 2019
On the 1st of June this year, the Tenant Fees Bill will finally become law. Meaning there will be a ban on charging tenants fees.
There are lots of different things to be considered before, during and after you’ve moved house. Here is a checklist of things to think about.
February 1, 2019
Let’s throw the spotlight on some of the quirkiest properties going under the gavel this month. From a quirky old pub to a plot of land for £1 - we've got something for everyone.
January 29, 2019
Not only do we have an amazing line-up of residential and commercial properties going under the gavel - but we're in a brand new venue too!
January 28, 2019
Check out our January hot properties available with stunners from Levenshulme, Droylsden and Edgeley.
January 25, 2019
Home, leisure and garden retailer, The Range, is opening a new store in the former Toys R Us building, at a Stockport Retail Park, the Peel Centre.
January 24, 2019
Whether you are looking to help save the planet, or just want to save a few quid, reducing your energy bills can really make a difference.
January 21, 2019
This Monday, the 21st of January, is officially the most depressing day of the year. So, here are a few top interior design hacks to help you feel happier at home.
January 11, 2019
New data has revealved there was an increase of burst pipe claims this year compared to last year, here is how to prevent yours bursting.
January 9, 2019
Way back when, around 15 years ago, if you wanted to buy or sell a property the first place you would go is the local newspaper, now it is property portals.
January 8, 2019
The Peaky Blinders gang are set to make an appearance on the streets of Stockport tomorrow as filming for season five continues.
According to Smart Insights, there were 3.196 billion users on social media in 2019. Here is how we take full advantage of this for marketing property.
The year 2018 has been the year of smart speakers, but the best rated smart speaker above all is by far the Amazon Echo. Here are 10 ways the Echo can help.
January 3, 2019
As we're giving away Amazon Echo's to new sellers, we thought we'd have a look at popular New Year's resolutions and how Amazon Alexa can help you achieve them.
December 20, 2018
Learn all about gifted deposits and how it could help you start your journey on the property ladder.
December 18, 2018
Are you looking forward to the new year? 2019 poses to be a fantastic year here at Edward Mellor and we've just announced our auction dates for next year.
December 7, 2018
Check out our Christmas hot properties available with stunners from Bredbury, Marple and Davenport.
December 6, 2018
2019 is an exciting year for Edward Mellor Auctions. We're moving venues to a brand new venue the amazing Sheridan Suite in Manchester. Here's what you need to know.
December 3, 2018
This auction have over 70 fantastic residential and commercial properties going under the gavel, which you can view here.
November 28, 2018
Urbanised Homes have secured planning consent to build a 13-storey apartment block on the former Greenhale House site in Stockport.
November 26, 2018
If you’re struggling to get onto the property ladder, then shared ownership might just be the answer you’ve been searching for.
November 13, 2018
So far we've talked about the property market and have given you top tips on how to get your first foot on the housing ladder. So what's stopping you from becoming a homeowner?
November 12, 2018
Are you worried about the 'what ifs' when it comes to buying your first home? Here's just a few ways you can remove the risk of owning a home.
November 9, 2018
Check out our November hot properties available with stunners from Levenshulme, Marple Bridge and Woodley.
November 8, 2018
Are you a first-time buyer struggling to save for a deposit? We could help you fund your dream home with absolutely no deposit. Here's how...
November 7, 2018
If you're a first-time buyer who hasn't quite managed to leap onto the property ladder or a renter who dreams of owning a home, this blog is for you!
November 6, 2018
The Brexit wave is coming and we're helping our buyers get prepared before it's too late. Want to know what the Brexit wave is? Then keep reading!
November 5, 2018
We’ve compiled a list of the best Bonfire night events happening across Manchester, Stockport, Salford and Tameside tonight.
November 2, 2018
Here's the full list of results from our October North West Property Auction. There are still some amazing properties to buy, so be sure to take a look!
November 1, 2018
With winter fast approaching we look through various methods you can use to keep safe and protect yourself and your home from burglars.
Check out our early November hot properties available with stunners from Gee Cross, Droylsden and Offerton.
October 30, 2018
Bonfires and fireworks can be a good excuse to bring together family but have you considered whether you're protected against accidental damage in the case of an emergency?
Learn about the essential tasks you must do once you've moved in today your new home.
October 29, 2018
Let’s throw the spotlight on some of the quirkiest properties going under the gavel this month.
What is a Property Survey and Why Should I get one? Learn about the different types of property surveys.
Learn how to Spot Carbon Monoxide Poisoning and understand how you can prepare and protect yourself from this deadly gas.
October 26, 2018
View all the lots and get Prepared for Our October Property Auction taking place on Wednesday 31st October 2018.
October 18, 2018
We discuss the costs associated with becoming a landlord and renting your home, from your mortgage through to repairs.
October 17, 2018
Check out our mid October hot properties available with stunners from Levenshulme, Marple Bridge and Offerton.
Should you go with an online agent or stick to a local agent? We discuss why the traditional high street agent is the only choice for you.
October 10, 2018
As its mental health awareness day, we thought we'd share our top tips for decorating your home in a way that helps your mental health flourish.
October 8, 2018
We’re really excited to announce the launch of our new online property auction! Our online platform will open up our auction to property buyers from all over the country.
October 5, 2018
Check out our early October hot properties available with stunners from Woodley, Droyslden and Cale Green.
October 3, 2018
Improving the energy efficiency of your home is a fantastic way to save money but also create more value in your properties value. Check out our top tips for improving your EPC rating today.
September 24, 2018
With so much choice, how do you know the right smart home gadgets is right for you? We delve into the huge variety of smart home gadgets and select our top picks for 2018.
September 20, 2018
Check out our end of September hot properties available for purchase. We've got some absolute wonderful properties at a range of great prices.
Moving can be a stressful time. Luckily we've made this handy guide which looks at 15 things you need to do before you move house.
September 19, 2018
Here's the full list of results from our September North West Property Auction. There are still some amazing properties to buy, so be sure to take a look!
September 7, 2018
One of the biggest decisions you face when choosing a mortgage is whether you should go for a fixed or variable rate. But which is best for you?
This auction we have over 60 fantastic residential and commercial properties going under the gavel, which you can view here.
September 5, 2018
Property portals Zoopla and OnTheMarket have announced today that they will both be advertising agents’ rental property listings on Facebook marketplace.
Check out our start of September hot properties available for purchase. We've got some absolute wonderful properties at a range of great prices.
September 4, 2018
Make sure you're prepared when going to view your potential next property with our handy guide on what to look out for and important questions to ask.
September 3, 2018
If you’re looking to move house, chances are you’re going to want to keep up to date with the latest property news. However, should you believe everything you read?
When you’re buying or selling a property, you will need to appoint a solicitor to complete the legal process associated with the move.
August 31, 2018
Learn the ins and outs of buy to let mortgages and discover the typical deposit you'll need when considering one.
August 30, 2018
In this home improvements article, we take a look at how you could make a few alterations to your interior design, to make your rooms brighter and maximise light.
August 28, 2018
Check out our end of August hot properties available for purchase. We've got some absolute wonderful properties at a range of great prices.
Our handy guide will walk you through how much deposit you need for a mortgage and provide tips, tricks and access to our calculator to help you.
August 21, 2018
With only 18 weeks until Christmas, buyers are cutting it fine if they want to be in their new home by the 25th of December.
August 13, 2018
Learn how to build and protect your Credit Score and increase your chances of securing a mortgage.
August 8, 2018
Check out this week's amazing range of hot properties available for purchase and let us know if you see anything you like.
If you’re trying to sell a property that’s in need of a lot of love and attention, then you might be wondering whether you’ll be able to find a buyer.
August 2, 2018
It was announced today that the Monetary Policy Committee voted unanimously to raise the base rate to 0.75% per cent from 0.5% per cent.
July 30, 2018
Take the stress out of searching for the best mortgage rate and have a look at our latest deals. We compare the latest rates of over 50 lenders in order to find one that's right for you.
July 27, 2018
Many people are under the illusion that the Help to Buy Scheme only offers a helping hand to first-time buyers - but that’s a myth!
July 26, 2018
Damp can seriously affect a property and some of the signs are more obvious than others. Our guide will help you better understand the issues of damp, what to look out for and how to deal with it going forward.
July 25, 2018
There are a number of crucial differences between freehold and leasehold terminology so it is important to understand the differences before you consider a property.
July 18, 2018
Here's the full list of results from yesterday's North West Property Auction. There are still some amazing properties to buy post auction, so be sure to take a look!
July 5, 2018
Traditionally, the next few months are the busiest in the property calendar – so by pulling out all the stops, you can make your house stand out from the crowd. Sell your house this summer and give your property the best chance of selling.
July 3, 2018
If you’re selling your home whilst the world cup is on you might want to know what the ‘World Cup effect' is and how it might be impacting the sale of your house.
June 29, 2018
England has been basking in a 30° heatwave this week, and the British summer has shown no signs of slowing down. Here's a list of the top things you can do to keep your home cool this summer.
Here's a sneak peak at what the apartments are going to look like.
June 12, 2018
Japanese knotweed may have originally been brought to Britain as an attractive new species but it is not a feature anyone wants in a property for sale. Here's what you need to know.
June 7, 2018
Do you have questions about the new State Pension? Find how much you will get from the new State Pension, how it's paid and when you will be able to claim it in our latest blog.
June 6, 2018
Here's the full list of results from yesterday's North West Property Auction. There are still some amazing properties to buy post auction, so be sure to take a look!
June 1, 2018
We give our top 9 tips on how you can start your property journey in 2018 and secure that all-important Mortgage application.
May 18, 2018
There's only a few weeks to go until our June property auction! This auction we have over 60 fantastic residential and commercial properties going under the gavel, which you can view here.
May 17, 2018
Have rates increased or decreased? Keep up to date with the latest Mortage deals and rates and find out if now is the best to remortgage your property.
May 15, 2018
As it's mental health awareness week, we thought it would be the perfect time to share our top tips to help you combat the stress of moving home. Here are 10 top tips to help make the transition to your new home as straightforward and stress free as possible.
May 11, 2018
What are interest rates and why do they matter? Learn all about interest rates and how they affect you in our definitive guide.
April 12, 2018
The average two-year fixed rate mortgage has increased for the second month in a row, reaching the highest point seen since September 2016, according to new Moneyfacts data.
April 11, 2018
There's less than two weeks to go until our April property auction! This auction we have over 70 fantastic residential and commercial properties going under the gavel, which you can view here.
March 21, 2018
House prices started 2018 with a modest 0.3 per cent drop across the UK as a whole, including 0.5 per cent fall in England, according to the latest UK House Price Index from the ONS and the Land Registry.
March 14, 2018
People may wish for a good retirement but failing to plan just makes it wishful thinking. While some may consider retirement to be exciting in itself, you also need to consider how to fund that dream retirement.
March 2, 2018
There’s not long to go now until our March property auction! This auction we have over 60 fantastic commercial and residential properties going under the gavel which you can view here.
March 1, 2018
Learn all about your mortgage, interest rates and how they affect you in our definitive guide.
February 20, 2018
More and more people are reaching retirement and choosing to keep at least some of their pension invested to carry on growing their savings and to keep their options open.
February 12, 2018
The Bank of England has indicated that the pace of interest rate increases could accelerate if the economy remains on its current track.
February 7, 2018
Here's the best bits from our February auction, brought to you buy our head of commercial properties and resident auctioneer, Nick Green.
January 19, 2018
Our February auction is upon us! This auction we have 57 fantastic commercial and residential lots going under the gavel which you can view here.
January 15, 2018
Over the past 20 years, we're committed to providing the best service and property auctions in the North West. Check out some of our success stories from the sellers themselves and discover how you can achieve more whether you're looking to buy or sell at auction.
Did you know ... It's January! Have you manged to stick to your New Years Resolution so far? We can we help you stick a very common resolution this year... Interested?
Beat the Jargon with our detailed article outlining the definitions of various terms and abbreviations commonly used in property auctions.
January 9, 2018
Our auctioneer and head of commercial properties, Nick Green, shares his wealth of experience and knowledge in his blogs. This week he looks at the importance of getting the right advice from the right people!
January 1, 2018
Drawing money from your pension pot is a seemingly attractive option but what are the implications of doing so and is it the right decision to make for the future?
December 21, 2017
We decided to spread some Christmas joy over the festive period by raising money and collecting presents for local children’s charity, Wood Street Mission.
December 19, 2017
Are you looking forward to the new year? 2018 poses to be a fantastic year here at Edward Mellor and we've just announced all our auction dates for 2018.
Are you prepared for Winter? Insulating your property can be one of the most effective ways to reduce heat loss and cut energy bills.
November 30, 2017
In celebration of St. Andrew's Day we thought we'd give you a few fun facts and trivia that you can share with all the family.
November 29, 2017
There is so much choice when it comes to picking a mortgage it can seem daunting. Our guide will help walk you through the different range of mortgages.
November 27, 2017
Edward Mellor have teamed up with Manchester based children's charity, Wood Street Mission, to help thousands of local children who wouldn’t usually wake up to presents on Christmas morning.
November 22, 2017
Our Managing and Financial Director, Peter Barlow, reflects on the recent changes enforced by the new budget and what that means for Britain's property market.
With mortgage rates constantly changing, it can be tricky keeping up to date with the best deals on the market. We compare the latest rates from 50+ high street and niche lenders to make finding the right deal easy.
November 21, 2017
Get ready for our final property auction of the year. With over 70+ lots going under the gavel you'd hate to miss these fantastic range of properties going under the gavel. Check all the lots out now!
November 2, 2017
It has been announced that the base rate will be going up to 0.5% from 0.25% in order to curb high inflation which is said to be squeezing UK households.
November 1, 2017
Unsure about buying or selling at auction? Our Frequently Asked Questions page gives you all the information you need when it comes to auctions.
October 24, 2017
Do you know your Credit Rating? Your Credit rating is very important to your Mortgage application and whether it's accepted or not! Learn more about your credit rating now.
October 10, 2017
With our October 2017 Auction taking place on the 25th nows your chance to check out all 60+ lots going under the gavel!
September 12, 2017
It's Pensions awareness week! Retirement planning is one of the most important things you will ever do, but how prepared are you in securing your financial future for a comfortable retirement?
August 2, 2017
You won't believe this one simple mistake people make with their pension... Whether you're at the start of career or nearing retirement securing your pension can be the most important decision you make.
Featuring almost 90 properties from across the North West, North Wales and Yorkshire, our event attracted several hundred buyers, vendors, bidders and developers from across the region.
July 28, 2017
Keeping up to date with the latest mortgage deals can be tricky, which is why we bring you the latest rates from 50+ high street and niche lender to make finding the best deal easy.
July 10, 2017
Should you take your pension as a lump sum? The new “Pension Freedom” rules have given people more choice. Pensions expert, Paul Brassington, talks you through the options.
June 15, 2017
Our North West property auction is right around the corner, and we've got a near record number of lots set to go under the hammer next Monday at the AJ Bell Stadium in Salford.
June 12, 2017
The seemingly inconclusive General Election result may have put the cat amongst the pigeons in terms of UK politics but, what does it mean for the North West property market?
May 23, 2017
With mortgage rates constantly changing, it can be tricky to keep up to date with the best deals on the market. Check out the latest rates to find one that's right for you.
May 5, 2017
It's no secret that our auction blueprint for success really does work, and it seems like sellers all across the North West are catching on.
May 4, 2017
Scott Grayson talks about his first-time experience as Auctioneer at our April 2017 Property Auction!
April 18, 2017
As a seller can you really afford not to have your property on one of the UK's biggest property search sites? Don't settle for less.
March 30, 2017
Our April Auction is right around the corner and we wanted to give you a little sneak peak before our catalogue goes online very soon. Click here to view all the available property going under the Gavel on Wednesday April 26th.
March 29, 2017
According to new figures by a reputable mortgage provider*, over a third of homeowners in the UK are currently sitting on the wrong mortgage deal.
March 15, 2017
Investing in buy to let property has become popular in recent years, what do you need to know before you become a buy to let landlord?
March 14, 2017
As the countdown to the Edward Mellor Auction commences, I thought I'd take a few minutes out to give you some pointers on how to prepare for the auction, get yourself organised and make the most of the day.
March 10, 2017
Property expert Colin Mellor talk's about the Spring budget and its potential influence on the North West property market in 2017.
March 6, 2017
Although our Withington branch has only been open for 1 month we’ve already had huge success selling properties within Withington. Discover how you can sell your house for free with Edward Mellor with our exclusive Withington offer!
February 27, 2017
If you don't use your full 2016/2017 ISA allowance by 5 April 2017 you'll lose it! Make your money work harder and top up your ISA today before the end of this tax year. Edward Mellor's expert Paul Brassington is here to walk you through the process.
February 23, 2017
Our March Auction is right around the Corner. Discover more than 50+ lots going under the hammer on Wednesday 15th March 2017! For more information regarding individual Lots call our auction team today on 0161 443 4740.
February 20, 2017
Our mortgage advisors compare the latest deals of 50+ niche and high street lenders offering over 2,000 mortgage products in order to find ones that's right for you.
November 17, 2016
One of the great things about being around the property industry for years (yes, I’ve been around the block a few times!) is that you learn to spot the seasonal trends and instinctively know how the market is likely to perform.
October 31, 2016
Our property consultant Nicola Heeney came to the rescue of two, tiny kittens who had set up camp in one of our vacant properties in Levenshulme.
October 10, 2016
Our guest speaker is a recognised expert in the field of auction finance and will answer all your questions on how to manage your money before you buy.
October 6, 2016
Estate agent by day Welsh internet sensation by night! Edward Mellor's Nigel Stephens has gone viral with his welsh take on the video Pen Pineapple Apple Pen.
September 28, 2016
Our free downloadable checklist covers who you’ll need to get in contact with when changing your address and the procedures that usually come with it.
September 20, 2016
We are pleased to announce Edward Mellor have been shortlisted for not 1, but 3 fantastic categories at this year's Negotiator awards!
August 4, 2016
Auction Consultant, Andy Thompson, shares his upbeat view on the Manchester property market.
July 19, 2016
With a focus on all round business excellence, business growth and competitive advantage, to be shortlisted for this award, Edward Mellor had to demonstrate its strengths in all these areas.
June 7, 2016
The E3 North West Business Awards champion businesses doing great things for the region's economy, its people and its communities.
April 29, 2016
Auction Consultant, Andy Thompson, talks about the evolving profile of the typical auction buyer and seller.
April 6, 2016
Property auctions are growing and becoming a much more popular platform to both buy and sell property and, even more excitingly, the traditional auction audience is evolving.
February 16, 2016
The seven essential tips you need to ensure you make the most of your pension pot and achieve your retirement plans.
February 12, 2016
With one auction down for 2016 and our next one not until 16th March, now is the time for new buyers to start doing your homework.
January 19, 2016
There are many ways of funding the purchase of a property at auction. If you've been thinking of acquiring a buy-to-let or investment property, our auction finance experts can help.
December 22, 2015
The new freedom savers have to keep their pensions invested and draw on them as they please highlights some difficult choices and decisions.