Posts by Sam
Bank of England Rate Decision Tomorrow — What Savers and Borrowers Should Know
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…
Read MoreMortgage Advice Swindon: How the Market Is Shifting — And What It Means for You
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…
Read MoreSwindon House Prices Rising: What This Means for Your Mortgage in 2025
By Samuel Mather-Holgate Swindon’s property market is making headlines: average prices now sit at £259,000 — up 3.6% year-on-year — while first-time buyers are paying around £222,000, a 3.8% increase. Rents have surged too, averaging £1,053 a month — a nearly 10% hike, say ONS. But why are prices rising in Swindon more sharply than…
Read MoreMather & Murray Financial Returns to Its Roots with Office Move to Cricklade
Local financial advice firm backs community-led regeneration project Mather & Murray Financial, a well-established financial planning firm originally founded in Swindon, is proud to announce its move to a new office in the heart of Cricklade – a town close to our hearts. Cricklade isn’t just our new business address – it’s where our story…
Read MoreIs the Cash ISA Limit Being Cut? What Savers and Homeowners Need to Know in 2025
By Samuel Mather-Holgate As rumours swirl about the UK Government potentially cutting the annual Cash ISA allowance from £20,000 to just £10,000, savers across the country are rightly concerned. With interest rates still elevated and the cost of living squeezing household budgets, tax-free savings remain a vital tool — not just for investors, but for…
Read MoreIs Now the Time to Fix Your Mortgage Rate in 2025? Here’s What You Need to Know
By Samuel Mather-Holgate In a year of economic uncertainty, many homeowners and buyers are asking the same question: should I fix my mortgage rate now, or wait? With interest rates held at 4.25% and speculation swirling about when they’ll fall again, it’s not an easy decision. Add in global tensions, rising oil prices, and inflationary…
Read MoreBank of England Interest Rate Decision: What It Means for Your Money in 2025
By Samuel Mather-Holgate On Thursday 19 June, the Bank of England (BoE) will make one of its most closely watched decisions of the year — whether to change interest rates or hold steady at 4.25%. And while the headline decision is likely to be “no change”, that doesn’t mean this moment lacks importance. In fact,…
Read MoreIs the Triple Lock Sustainable – And What Does It Mean for Your Retirement?
By Samuel Mather-Holgate The Triple Lock has long been seen as the gold standard of pension protection — a guarantee that the State Pension will rise each year to help pensioners keep pace with the cost of living. But as the UK faces growing pressure to manage public finances, many are asking: Is the Triple…
Read MoreFinancial Advice for UK Expats Living in Mallorca
By Samuel Mather-Holgate Still have UK pensions, ISAs, or other investments? Just because you’ve moved to Mallorca doesn’t mean your financial planning should stop at the border. At Mather & Murray Financial, we help UK expats living in Spain — especially here in beautiful Mallorca — stay on track with their financial goals. Why UK…
Read MoreCash ISA vs Stocks & Shares ISA in 2025: Where Should Your Money Be?
By Samuel Mather-Holgate With higher interest rates and market volatility dominating the financial headlines, many people are asking a familiar question with new urgency:Should I put my money in a Cash ISA or a Stocks & Shares ISA in 2025? Both types of ISAs allow you to grow your money free from income tax, capital…
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