Blog
By Samuel Mather-Holgate They say children don’t come with a manual — but maybe they should come with a financial statement.From the moment you buy that first babygrow to the day you wave them off to university, raising children in the UK can be one of life’s most rewarding (and most expensive) experiences. So, just…
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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…
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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…
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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…
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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…
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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…
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Back on 8th August 2024, we explained how childcare funding was expected to expand — including the move to offer 30 hours of free childcare for eligible 2-year-olds and beyond. Today, those reforms are becoming concrete. The final phase kicks in from September 2025, dramatically extending support for working families. What’s New Since Our Last…
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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…
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By Samuel Mather-Holgate Today, the Bank of England lowered the base rate from 4.25% to 4.0% in a narrow 5–4 vote — its fifth cut since August 2024. The decision was described by Governor Bailey as “finely balanced” Let’s break down the context, implications, and what this means for people in Swindon. Why Did the…
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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…
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