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  • Get in contact with us.

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    Need to contact Cobens Direct? Please visit our contact page: cobensdirect.co.uk/contact or you can call us on 0203 301 1242. Our office hours are: 9:00AM - 5:30PM Monday to Thursday 9:00AM - 5:00PM Friday We are closed on UK bank holidays.
  • The latest announcements regarding Cobens Direct

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    Previously we updated the dashboard at around 9.30am. Going forward the system will be updated between 11am and midday. This is because the files from WBS don't arrive until 8.30am.
  • What's on your mind?

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    @oliviasteven scroll down to contributions and then select "add new" top right of the contributions section in blue Let me know if you need any help Cheers
  • All things Investment Related and Updates on The Cobens Direct portfolios

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    It's a school day! Nvidia is moving its future AI data centres towards an 800V power architecture, and the reason is pretty simple: the amount of power these systems need is getting ridiculous. Today's AI racks typically use much lower-voltage power distribution(sub 60V), but as Nvidia moves towards racks needing hundreds of kilowatts, and eventually around 1MW(that's super massive-1 rack using the power of 600 houses!), the amount of current required becomes enormous. At 800V, you can deliver the same amount of power using far less current. That brings some pretty big benefits. You need less copper, thinner cables and smaller busbars, which saves space, weight and cost. More importantly, lower current means much lower electrical losses, because resistive losses rise with the square of the current. So there is less energy wasted as heat. The 800V approach should also allow Nvidia to simplify the power chain, with fewer stages of voltage conversion. That improves efficiency and reduces the amount of power infrastructure taking up valuable space in the rack, so they can stuff more GPUs inside Ultimately, it's about making much more powerful AI systems practical. As racks move towards 500kW and eventually 1MW, the old architecture becomes increasingly difficult to manage. 800V gives Nvidia a much more scalable way of delivering all that power efficiently.
  • Everything regarding pensions.

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    Try this [image: 1773073791510-screenshot-2026-03-09-at-16.29.26.png]
  • Capital Gains, Inheritance, Income, Corporation e.t.c.

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    Just to add to this so the tax "advantage is clear" In simple terms, so ignoring any NI for illustrative purposes If you sacrifice £10k as Adam has shown above then £10k is paid into your pension If you had taken it as salary then you would have received £6,000 and HMRC would have received £4,000
  • Discussions regarding mortgages.

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    @n5tew Good morning, to answer your questions, yes there are a handful of lenders that still offer offset mortgages, though they’re relatively niche now. With these, you only pay interest on your mortgage minus what’s in a linked savings account, which can significantly reduce your interest costs if you hold a large savings balance. There are indeed fixed rate products although they will tend to be notably higher than your conventional fixed rate products. If you would like to discuss this in further detail, please let me know, my email is michael.searle@cobens.co.uk, or we can arrange a meeting to dive into specifics.
  • Life, Health, Business, Family what should you protect and how?

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  • All your questions relating to our servicing and administration.

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    Should receive the cash by end of this week,Mike. It's a clearing down of trades post migration. Thanks for noting