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February 2026

Why Protecting Income Matters More Than Ever

Home Movers, First Time Buyers, Remortgages, Protection, Homeowners |

We read something shocking recently. Recent figures show that around 40% of UK adults have less than £1,000 in savings. For many households, that would cover only a few weeks of bills. Nowhere near enough to keep up with mortgage repayments if their income stopped unexpectedly. How do your savings look? Do you think you could last three months without your income?

What Does the Change In Base Rate Mean for Your Mortgage In 2026?

Home Movers, First Time Buyers, Remortgages, Mortgage tips, Homeowners |

As of early 2026, the base rate has been cut to around 3.75%. It’s the lowest it’s been in nearly three years, after we saw the previous increases, which were aimed at tackling inflation. Economists and lenders are saying they expect one or more rate cuts during 2026 if inflation continues to ease.

January 2026

The January Money Reset Quiz

Wellbeing |

Be honest, January arrives, the decorations come down… and suddenly the credit card statements arrive too. If you’re wondering where the money went (and how many mince pies you actually ate), this quick quiz is for you. There are no wrong answers. Just real life.

Small Tweaks, Better Balance

Home Insurance, Saving Money |

January is a natural time to get organised. Budgets are under review, paperwork is being sorted, and many people are looking for ways to rebalance monthly spending. One area that often benefits from a quick check at this time of year is general insurance. Particularly, home, contents and car cover. These policies are usually set to auto-renew, which makes them easy to overlook. Over time, this can mean paying more than necessary or holding cover that no longer reflects your circumstances.

A New Year Perspective: How Equity Release Could Support Your Future Goals

Equity Release |

January is often a time for reflection and forward planning. For homeowners in later life, it can also be an opportunity to review how their property fits into their overall financial picture. Equity release is one option that can form part of this broader conversation, particularly when looking to rebalance income, reduce financial pressure or plan more confidently for the years ahead.

Is Your Protection Still Fit for Purpose? January is the Time to Review Income & Life Cover

Home Movers, First Time Buyers, Remortgages, Protection, Homeowners |

January is often when people take a step back and look at their finances with fresh eyes. Once the festive period has passed, it becomes easier to focus on what really matters. Keeping income flowing, protecting family finances and ensuring plans stay on track if the unexpected happens. This is where protection insurance plays an important role.

Does Your Health Insurance Still Reflect Your Life Today?

Wellbeing |

January has a habit of making us take stock. New diaries, fresh plans, and a quiet promise to be a bit more organised this year. While many people focus on budgets and routines, there’s one important area that often gets left behind: health insurance. If your policy has been quietly ticking along in the background, now is a sensible time to bring it back into focus.

New Year, New Mortgage Plan

Equity Release |

January is often seen as the month for fresh starts. We declutter our homes, reset routines and take a closer look at our spending after the festive season. But one area that’s often overlooked is the mortgage, even though it’s likely to be your most significant monthly commitment. If you haven’t reviewed your mortgage in the last couple of years, January is a great time to check whether it’s still working as hard as it could for you.

December 2025

Autumn Budget 2025: What Homeowners and Buyers Should Know

Home Movers, First Time Buyers, Remortgages, Equity Release, Homeowners |

Delivered by Chancellor Rachel Reeves on 26th November, the 2025 Autumn Budget brings a mix of new changes. We’ve gone through the details, and here are some changes that you’ll want to keep a close eye on.

Take The Stress Of Christmas With Equity Release

Equity Release, Homeowners |

The festive season can be magical. But honestly, we are speaking to so many of our clients, and the cost of living is really weighing on everyone’s mind. Christmas is a time to think of family, and maybe equity release is something you can consider. Our role as your advisor is to try to help where we can.

Stay Informed: Mortgage Tips & Trends

Flood Insurance is Changing

Flooding is something you should think about when taking out home insurance. And we are seeing major...

Statutory Sick Pay Has Changed – But Would It Cover Your Bills?

If you couldn't work because of illness or injury, how long could you keep paying your mortgage and ...

Later-Life Mortgages Are Under the Microscope

Borrowing in later life is becoming increasingly relevant as people live and work for longer, retire...

Rent Guarantee: Why Landlords May Want to Review Their Protection

Do you own a rental property? From 1 May, the new Renters’ Rights Act came into force, bringing maj...

Over 55 and looking to move? You may have more options than you think

There’s a little-known option in the mortgage market that could help some people aged 55 and over b...

Could your finances cope if your child became ill?

A recent report from MetLife UK highlights how quickly a child’s illness or injury can affect the w...

What Is a Health Cash Plan – and Could It Save You Money?

If dentist bills, new glasses, or physio have ever caught you off guard, there's a product that migh...

£7.84 Billion Reasons to Talk About Protection

Every day in 2025, protection insurers paid out £21.5 million to families across the UK. Money that ...

Real Stories of Later Life Lending

There's a lot of noise around Later Life Lending, headlines about rates, regulation, and market data...

AI Can Compare Mortgages. But Can It Replace Your Broker?

For all the talk of AI tools and comparison sites reshaping financial services, the latest data on t...

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 for First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

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THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

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