Posts by Sam

By Samuel Mather-Holgate Money can be a powerful tool — but it can also be one of the biggest sources of stress in a relationship.According to the Money & Pensions Service, nearly one in three UK couples argue about money at least once a month, and almost half admit they don’t have a clear plan…

By Samuel Mather-Holgate For most people in Swindon, Cirencester and Bristol, their mortgage is the single biggest financial commitment they’ll ever make. At the same time, many families rely on financial advice for pensions, savings, and investments. But too often these two areas are treated separately, when in reality your mortgage strategy and financial plan…

By Samuel Mather-Holgate For many people, buying a home feels just out of reach. Rising house prices, especially in Swindon, Cirencester and Bristol, mean larger deposits and bigger loans are needed. The good news? Lenders are beginning to re-open their doors to high loan-to-value (LTV) and high loan-to-income (LTI) mortgages. If you’re wondering whether these…

By Samuel Mather-Holgate For many homeowners and buyers, finding the right mortgage is straightforward. But for others, it can feel like an uphill battle. If you’ve ever been declined, told your case is “too complicated,” or struggled with unusual circumstances, you’ll know how stressful the process can be. That’s where we come in. At Mather…

By Samuel Mather-Holgate Running a business is about more than sales, profits, and growth — it’s also about looking after your employees. One of the most important responsibilities you have as an employer is providing access to a workplace pension scheme. Since the introduction of auto-enrolment, all employers — from sole traders with one employee…

If you’re searching for an alternative SJP adviser or financial adviser in Cirencester, now is the perfect time for a review. Especially given recent scrutiny of Stn  James’s Place and growing consumer concern over fees, fund performance, and transparency. St. James’s Place (SJP), one of the UK’s largest wealth management firms, has been in the headlines…

By Samuel Mather-Holgate Tomorrow is Bank Rate day, and the Bank of England faces a crucial decision on whether to cut interest rates again. With inflation still running above target and political and economic uncertainty elsewhere, the stakes are high — and the outcome could directly affect mortgages, savings, and cost-of-living for your clients in…

By Samuel Mather-Holgate The UK mortgage market has entered a new phase — and if you’re a homebuyer in Swindon, you may now be able to borrow more than you thought. Since Rachel Reeves’ Mansion House speech, many lenders have begun relaxing their lending criteria, especially for first-time buyers. At the same time, major rate…