Why Your Mortgage and Financial Planning Should Work Together

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 should work hand-in-hand.

At Mather & Murray Financial, we believe that true financial security comes from seeing the bigger picture. Here’s why.

Your Mortgage Is More Than Just a Loan

It’s tempting to see a mortgage simply as “the cost of buying a home.” But it’s also:

• A long-term financial obligation that can span 25–40 years.

• A major factor in your monthly cashflow and savings capacity.

• A risk to manage if your circumstances change, interest rates rise, or income falls.

That’s why mortgage advice should never be in isolation. It’s a crucial part of your overall financial wellbeing.

How Mortgages and Financial Advice Interconnect

1. Cashflow and Budgeting
   A financial adviser will look beyond the monthly repayment to see how your mortgage affects your ability to save for retirement, build an emergency fund, or invest.

2. Protection Planning
   Taking on a large mortgage without adequate life cover, critical illness cover or income protection leaves your family exposed. Integrated advice ensures protection is built in.

3. Tax Efficiency
   If you’re a landlord or buying through a company structure, financial planning can make a huge difference to tax outcomes.

4. Investment Strategy
   Deciding whether to overpay your mortgage or invest surplus income is a financial planning decision that should balance risk, return, and your long-term goals.

5. Retirement Planning
   Many people in Swindon and Cirencester approach us asking: “Should I still have a mortgage in retirement?” The answer depends on how your pension, investments and property wealth all fit together.

Real Examples from Clients

• A couple in Bristol had a mortgage deal coming to an end. Instead of simply refinancing, we reviewed their pensions and helped them use tax-efficient contributions while still securing a competitive fixed rate.

• A landlord in Swindon was unsure whether to expand their portfolio. By linking mortgage advice with financial planning, we helped structure purchases through a limited company, reducing tax liability and protecting personal wealth.

• A family in Cirencester faced rising costs and were tempted to extend their mortgage term. By combining mortgage and financial planning, we showed them how to restructure savings and maintain their retirement goals.

Why Work with an Independent Firm?

Some advisers only handle one part of the puzzle. At Mather & Murray Financial, we are:

• Independent financial advisers – we look at the whole market, not just one provider.

• Mortgage specialists – we place everything from standard residential to complex cases.

• Local experts – with offices in Cricklade, we serve clients in Swindon, Cirencester and Bristol, but also work face-to-face nationwide.

This holistic approach means your mortgage isn’t just about getting the keys — it’s part of a bigger plan for your future.

FAQs

Why link mortgage advice with financial advice?
Because your mortgage is usually your biggest liability, and it impacts cashflow, protection needs, tax planning and retirement goals.

Can a financial adviser help with my mortgage in Swindon, Cirencester or Bristol?
Yes. Independent firms like ours combine mortgage advice with financial planning to ensure both work together.

What if I only need mortgage advice?
That’s fine — but we’ll still show you how the mortgage fits into your overall finances.

Do you offer face-to-face advice outside of Swindon and Cirencester?
Yes. We meet clients nationwide in person or via Zoom, whichever suits you best.

Contact Us…

Your mortgage isn’t just a debt — it’s a core part of your financial life. By working with independent advisers who understand both sides of the equation, you’ll get a plan that balances home ownership with wealth building, tax efficiency, and future security.

Speak to one of our advisers today on 01793 261626 or visit BOOK A CALL BACK for expert financial and mortgage advice in Swindon, Cirencester, Bristol — and nationwide.