I’m incredibly proud to share that I have once again qualified for the 2026 Top Rated Adviser Guide — marking the eighth consecutive year  of inclusion. That brings the total number of client reviews to 266  — a milestone that means far more than any badge or listing ever could. At the heart of financial advice is trust. Reviews aren’t just numbers; they represent long-term relationships, honest conversations, and the privilege of guiding clients through some of life’s bigges

⏳ Not sure when to start looking at your remortgage options? ⏳ Is your fixed rate coming to an end and you’re unsure what to do next — worried about moving onto your lender’s Standard Variable Rate (SVR)? ⏳ Thinking the cheapest option is simply sticking with your current lender? Here’s the reality for 2026… 📊 Around 1.8 million UK homeowners will see their fixed-rate mortgage deals expire this year  — meaning many will automatically roll onto their lender’s SVR if they don’

For many buyers, 2021 feels like a distant memory — a time of competitive markets, fast-moving sales, and historically low interest rates. Since then, rising rates and cost-of-living pressures have made borrowing more challenging. But here’s the question on many people’s minds: Why Affordability Matter Mortgage affordability determines how much you can borrow. Lenders assess: Your income Your regular outgoings and financial commitments Current interest rates Stress testing ru