The Money Nest by Heron Financial Wed, 20 May 2026 11:42:37 +0100 https://www.buzzsprout.com/1736174 en-gb © 2026 The Money Nest by Heron Financial yes 91185860-b3bb-5f07-8d27-206da2e997b6 Heron Financial episodic false The Nest is a clear, no-jargon podcast about mortgages, homeownership and getting truly “mortgage ready”.


Hosted by advisers from Heron Financial, a fee-free, B Corp certified mortgage and protection brokerage, each episode breaks down a specific topic in plain English: from saving a deposit and improving your affordability, to navigating new build, shared ownership, remortgaging and protection.


Whether you are a first-time buyer, an existing homeowner planning your next move, or simply trying to make sense of rates and lender criteria, The Nest is here to make the process calmer and easier.


No hype, no hard sell. Just practical guidance, real scenarios and actions you can take to move closer to owning – or keeping – the home that is right for you.

]]> Buzzsprout (https://www.buzzsprout.com) Heron Financial https://storage.buzzsprout.com/40gv2u7w6hb9paty33oi4ynj20bx?.jpg The Money Nest by Heron Financial Could Homeownership Be the Ultimate Employee Benefit? Could Homeownership Be the Ultimate Employee Benefit? What if one of the most valuable employee benefits wasn’t private healthcare or gym memberships — but help getting onto the property ladder?

In this episode of The Money Nest, Kiah Foster sits down with Heron Financial founder Matt Coulson to explore how mortgage and financial wellbeing support is becoming an increasingly important employee benefit for businesses across the UK.

They discuss the impact rising housing costs and financial stress are having on employees, why so many people feel overwhelmed by the mortgage process, and how employers can support their teams through tailored mortgage education, webinars, and access to expert advice.

Matt also explains how Heron Financial works with businesses to deliver employee financial wellbeing programmes, why homeownership support can improve employee satisfaction and retention, and how better access to mortgage advice can genuinely change people’s lives.

Whether you’re an employer looking to support your workforce or an employee trying to better understand your options, this episode offers a practical look at the growing connection between financial wellbeing and the workplace.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> What if one of the most valuable employee benefits wasn’t private healthcare or gym memberships — but help getting onto the property ladder?

In this episode of The Money Nest, Kiah Foster sits down with Heron Financial founder Matt Coulson to explore how mortgage and financial wellbeing support is becoming an increasingly important employee benefit for businesses across the UK.

They discuss the impact rising housing costs and financial stress are having on employees, why so many people feel overwhelmed by the mortgage process, and how employers can support their teams through tailored mortgage education, webinars, and access to expert advice.

Matt also explains how Heron Financial works with businesses to deliver employee financial wellbeing programmes, why homeownership support can improve employee satisfaction and retention, and how better access to mortgage advice can genuinely change people’s lives.

Whether you’re an employer looking to support your workforce or an employee trying to better understand your options, this episode offers a practical look at the growing connection between financial wellbeing and the workplace.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-19208194 Wed, 20 May 2026 11:00:00 +0100 793 full false Mortgage Valuations Explained: What Happens If Your Property Is Down Valued? Mortgage Valuations Explained: What Happens If Your Property Is Down Valued? If your mortgage valuation comes back lower than expected, what does it actually mean, and what can you do about it?

In this episode of The Money Nest, Matt is joined by senior mortgage advisor Josh and case progression manager Rachel to break down how mortgage valuations work in simple terms. From understanding the difference between desktop and physical valuations to why new builds can sometimes be harder to value, they explain what’s really going on behind the scenes.

They also walk through what happens if your property is down valued, including your options, whether that’s trying another lender, increasing your deposit, renegotiating, or deciding if it’s the right property at all.

Most importantly, they explain why a valuation is just one opinion, how to approach the situation calmly, and how to avoid making emotional decisions that could impact you financially.

If you’re buying, remortgaging, or just want to understand the process better, this episode will help you feel more prepared for one of the most important steps in the mortgage journey.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> If your mortgage valuation comes back lower than expected, what does it actually mean, and what can you do about it?

In this episode of The Money Nest, Matt is joined by senior mortgage advisor Josh and case progression manager Rachel to break down how mortgage valuations work in simple terms. From understanding the difference between desktop and physical valuations to why new builds can sometimes be harder to value, they explain what’s really going on behind the scenes.

They also walk through what happens if your property is down valued, including your options, whether that’s trying another lender, increasing your deposit, renegotiating, or deciding if it’s the right property at all.

Most importantly, they explain why a valuation is just one opinion, how to approach the situation calmly, and how to avoid making emotional decisions that could impact you financially.

If you’re buying, remortgaging, or just want to understand the process better, this episode will help you feel more prepared for one of the most important steps in the mortgage journey.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-19044243 Mon, 20 Apr 2026 09:00:00 +0100 1168 full false Will AI Replace Mortgage Advisors? The Future of Advice and Technology Will AI Replace Mortgage Advisors? The Future of Advice and Technology Technology and AI are transforming almost every industry, but what does that mean for mortgages?

In this episode of The Money Nest, Kiah Foster sits down with Heron Financial founder Matt Coulson to explore how technology is reshaping the mortgage journey. From building Heron’s custom platform Everglades to introducing AI tools that support advisors and improve client experiences, Matt explains why innovation has always been central to the way the business operates.

They discuss how better technology can streamline the mortgage process, improve transparency for clients and partners, and reduce the repetitive admin that often slows everything down. But despite rapid advances in AI, one thing remains clear: expert human advice still sits at the heart of good mortgage decisions.

Matt also shares his perspective on where the industry is heading, why advisors who embrace AI will outperform those who don’t, and how Heron Financial is preparing its team to work alongside new technologies through AI training and apprenticeships.

If you’re curious about the future of mortgages, digital advice, and how AI is really being used in financial services today, this episode offers an honest look behind the scenes.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Technology and AI are transforming almost every industry, but what does that mean for mortgages?

In this episode of The Money Nest, Kiah Foster sits down with Heron Financial founder Matt Coulson to explore how technology is reshaping the mortgage journey. From building Heron’s custom platform Everglades to introducing AI tools that support advisors and improve client experiences, Matt explains why innovation has always been central to the way the business operates.

They discuss how better technology can streamline the mortgage process, improve transparency for clients and partners, and reduce the repetitive admin that often slows everything down. But despite rapid advances in AI, one thing remains clear: expert human advice still sits at the heart of good mortgage decisions.

Matt also shares his perspective on where the industry is heading, why advisors who embrace AI will outperform those who don’t, and how Heron Financial is preparing its team to work alongside new technologies through AI training and apprenticeships.

If you’re curious about the future of mortgages, digital advice, and how AI is really being used in financial services today, this episode offers an honest look behind the scenes.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-18853343 Mon, 16 Mar 2026 10:00:00 +0000 1051 full false When Should You Remortgage? How to Avoid Overpaying and Plan Smarter When Should You Remortgage? How to Avoid Overpaying and Plan Smarter In this episode of the Heron Financial Podcast, Matt is joined by Senior Mortgage Adviser Josh to answer one of the biggest questions homeowners have: when should you remortgage, and how do you avoid overpaying? 

They break down why it often makes sense to start planning around 7 months before your current deal ends, what actually happens if you do nothing and roll onto a lender’s standard variable rate, and how a remortgage can be used as a wider financial reset — from changing your term and monthly payments to borrowing for home improvements or a future move. 

Josh explains how the process works in practice, why remortgaging is usually simpler than buying, what to know about fees and legal work, and how lenders are increasingly rewarding energy-efficient “green” homes with improved affordability and product options. He also shares real examples of clients who’ve saved money by acting early, as well as those who unknowingly spent thousands more by staying on the wrong deal. 

If your mortgage deal ends in the next 6–18 months, or you’re just not sure what you’re currently paying, this episode will help you understand your options and plan smarter.

This podcast provides general information, not personal advice. Recommendations depend on your circumstances and lender criteria.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this episode of the Heron Financial Podcast, Matt is joined by Senior Mortgage Adviser Josh to answer one of the biggest questions homeowners have: when should you remortgage, and how do you avoid overpaying? 

They break down why it often makes sense to start planning around 7 months before your current deal ends, what actually happens if you do nothing and roll onto a lender’s standard variable rate, and how a remortgage can be used as a wider financial reset — from changing your term and monthly payments to borrowing for home improvements or a future move. 

Josh explains how the process works in practice, why remortgaging is usually simpler than buying, what to know about fees and legal work, and how lenders are increasingly rewarding energy-efficient “green” homes with improved affordability and product options. He also shares real examples of clients who’ve saved money by acting early, as well as those who unknowingly spent thousands more by staying on the wrong deal. 

If your mortgage deal ends in the next 6–18 months, or you’re just not sure what you’re currently paying, this episode will help you understand your options and plan smarter.

This podcast provides general information, not personal advice. Recommendations depend on your circumstances and lender criteria.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-18669071 Mon, 16 Feb 2026 12:00:00 +0000 1392 full false How Heron Financial Built 14 Years of 5-Star Trust in Mortgage & Protection Advice How Heron Financial Built 14 Years of 5-Star Trust in Mortgage & Protection Advice In this episode of the Heron Financial Podcast, we go back to the beginning.

Founder Matt Coulson reflects on building Heron Financial from a two-person startup in 2011 into a firm trusted by thousands of mortgage and protection clients — while maintaining consistent 5-star reviews across Trustpilot and Google for over 14 years.

We discuss what actually creates long-term trust in financial services: why service had to come before scale, how culture became a competitive advantage, and how the business navigated financial crises, regulatory change, and rapid advances in technology without losing its identity.

Matt also shares Heron’s approach to ethical AI adoption, why people development has always mattered more than short-term growth, and what the next chapter looks like for a people-first financial services firm.

This episode is a candid founder story about resilience, responsibility, and building a business that lasts.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this episode of the Heron Financial Podcast, we go back to the beginning.

Founder Matt Coulson reflects on building Heron Financial from a two-person startup in 2011 into a firm trusted by thousands of mortgage and protection clients — while maintaining consistent 5-star reviews across Trustpilot and Google for over 14 years.

We discuss what actually creates long-term trust in financial services: why service had to come before scale, how culture became a competitive advantage, and how the business navigated financial crises, regulatory change, and rapid advances in technology without losing its identity.

Matt also shares Heron’s approach to ethical AI adoption, why people development has always mattered more than short-term growth, and what the next chapter looks like for a people-first financial services firm.

This episode is a candid founder story about resilience, responsibility, and building a business that lasts.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Buzzsprout-18405363 Mon, 19 Jan 2026 13:00:00 +0000 1302 1 1 full false Bank of England Base Rate Decision - Reaction - May '25 Bank of England Base Rate Decision - Reaction - May '25 Richard Campo (Head of Growth) is back to talk about the Bank of England reducing rates by 0.25% to 4.25%. 

In this episode he talks over:

  • What we can read from the voting which was more interesting than expected
  • What impact the trade wars/tariffs have had on interest rates in the UK
  • What todays cut means in money markets
  • Ultimately how this affects mortgage pricing

We hope you enjoy listening and you find it more interesting than Richard's dog snoring away in the background!

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Richard Campo (Head of Growth) is back to talk about the Bank of England reducing rates by 0.25% to 4.25%. 

In this episode he talks over:

  • What we can read from the voting which was more interesting than expected
  • What impact the trade wars/tariffs have had on interest rates in the UK
  • What todays cut means in money markets
  • Ultimately how this affects mortgage pricing

We hope you enjoy listening and you find it more interesting than Richard's dog snoring away in the background!

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-17122185 Thu, 08 May 2025 13:00:00 +0100 661 full false Mortgage Market Update - May 25 Mortgage Market Update - May 25 Despite being billed as 'awful April' there were a number of positive updates in the Mortgage and Property world. Matt Coulson (Founder) and Richard Campo (Head of Growth) talk over these headlines in more details:

  • Lenders offering larger loans, with one going to 7 x income!
  • Inflation fell
  • Property Prices are on the up

So to see what all that means and how it affects mortgage pricing and money markets, we hope you enjoy the listen

If you prefer, you can also read the text update HERE

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Despite being billed as 'awful April' there were a number of positive updates in the Mortgage and Property world. Matt Coulson (Founder) and Richard Campo (Head of Growth) talk over these headlines in more details:

  • Lenders offering larger loans, with one going to 7 x income!
  • Inflation fell
  • Property Prices are on the up

So to see what all that means and how it affects mortgage pricing and money markets, we hope you enjoy the listen

If you prefer, you can also read the text update HERE

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-17065526 Tue, 29 Apr 2025 16:00:00 +0100 1346 3 5 full false Mortgage Market Update - Apr 25 Mortgage Market Update - Apr 25 In the latest edition of the Heron Financial podcast, Matt (Founder) and Richard (Head of Growth) talk over the topical points in the mortgage world. Key themes are:

  • The Spring Statement - How Labour plans to 'Get Britain Building'
  • Inflation comes down to 2.8%
  • Mortgage Product choice goes to a record level of 25,090

So for that, and a meaty conversation on the benefits to both the Economy and individuals of home ownership, we hope you enjoy the episode

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In the latest edition of the Heron Financial podcast, Matt (Founder) and Richard (Head of Growth) talk over the topical points in the mortgage world. Key themes are:

  • The Spring Statement - How Labour plans to 'Get Britain Building'
  • Inflation comes down to 2.8%
  • Mortgage Product choice goes to a record level of 25,090

So for that, and a meaty conversation on the benefits to both the Economy and individuals of home ownership, we hope you enjoy the episode

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16889073 Mon, 31 Mar 2025 12:00:00 +0100 1371 3 4 full false Bank of England Base Rate Decision - Reaction - Mar '25 Bank of England Base Rate Decision - Reaction - Mar '25 While a hold from the Bank of England (at 4.5%) was widely predicted, Matt Coulson (Founder) and Richard Campo (Head of Growth) look at depth at the Minutes from the Bank of England to understand things like:

  • What impact this will have on mortgage rates?
  • Where inflation is going and how that impact the Bank of England?
  • How the uncertainty in global markets impacts the UK?
  • How does the Bank of England balance slowing growth with rising inflation?

So for that and a lot more besides, we hope you enjoy the podcast

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> While a hold from the Bank of England (at 4.5%) was widely predicted, Matt Coulson (Founder) and Richard Campo (Head of Growth) look at depth at the Minutes from the Bank of England to understand things like:

  • What impact this will have on mortgage rates?
  • Where inflation is going and how that impact the Bank of England?
  • How the uncertainty in global markets impacts the UK?
  • How does the Bank of England balance slowing growth with rising inflation?

So for that and a lot more besides, we hope you enjoy the podcast

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16828674 Thu, 20 Mar 2025 13:00:00 +0000 996 full false Mortgage Market Update - Mar 25 Mortgage Market Update - Mar 25 In a packed Mortgage Market update, Matt Coulson (Founder) talks to Richard Campo (Head of Growth) about:

  • Heron being signed off as B Corp firm
  • Reaction to the Bank of England cutting rates to 4.5%
  • How the rate reductions and B Corp all tie into how mortgages are priced
  • Increased availability of mortgage products for both small deposits and Buy To Let

So for that and a lot more beside, we hope you enjoy the podcast.

For more information on B Corp you can see our new page on the topic - https://heronfinancial.co.uk/certified-b-corporation/

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In a packed Mortgage Market update, Matt Coulson (Founder) talks to Richard Campo (Head of Growth) about:

  • Heron being signed off as B Corp firm
  • Reaction to the Bank of England cutting rates to 4.5%
  • How the rate reductions and B Corp all tie into how mortgages are priced
  • Increased availability of mortgage products for both small deposits and Buy To Let

So for that and a lot more beside, we hope you enjoy the podcast.

For more information on B Corp you can see our new page on the topic - https://heronfinancial.co.uk/certified-b-corporation/

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16722879 Thu, 20 Mar 2025 13:00:00 +0000 1087 full false The UK's Trailblazing B Corp Certified Mortgage Brokers The UK's Trailblazing B Corp Certified Mortgage Brokers In this Episode Kia Foster (Partnership Sales Manager at MAB) talks to Matt Coulson (Founder) about Heron Financial's recent achievement of B Corp certification. They taklk over what B Corp certification entails, including adherence to high social and environmental standards, transparency, and accountability. Matt shares insights into the rigorous journey his team undertook to achieve this certification, emphasizing the importance of sustainability and commitment to stakeholders beyond just shareholders.

He highlights the ongoing nature of maintaining B Corp status, where businesses must continually meet standards and work towards improving their social and environmental impact. Furthermore, Matt notes the significance of the certification for clients and partners, indicating that it reflects a company's dedication to being a responsible business.

For more information, please visit the Heron Financial website page on this topic - https://heronfinancial.co.uk/certified-b-corporation/ or you can follow us on social media. Look out for our monthly emails that will further discuss this journey and insights into the mortgage market.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this Episode Kia Foster (Partnership Sales Manager at MAB) talks to Matt Coulson (Founder) about Heron Financial's recent achievement of B Corp certification. They taklk over what B Corp certification entails, including adherence to high social and environmental standards, transparency, and accountability. Matt shares insights into the rigorous journey his team undertook to achieve this certification, emphasizing the importance of sustainability and commitment to stakeholders beyond just shareholders.

He highlights the ongoing nature of maintaining B Corp status, where businesses must continually meet standards and work towards improving their social and environmental impact. Furthermore, Matt notes the significance of the certification for clients and partners, indicating that it reflects a company's dedication to being a responsible business.

For more information, please visit the Heron Financial website page on this topic - https://heronfinancial.co.uk/certified-b-corporation/ or you can follow us on social media. Look out for our monthly emails that will further discuss this journey and insights into the mortgage market.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16603240 Fri, 28 Feb 2025 11:00:00 +0000 957 full false Bank of England Base Rate Decision - Reaction - Feb '24 Bank of England Base Rate Decision - Reaction - Feb '24 In this reaction to the Bank of England reducing rates by 0.25% to 4.5%, Matt Coulson (Founder at Heron) and Richard Campo (Head of Growth) talk over what this means for the mortgage market. Key themes are:

  • What impact will this have on mortgage rates?
  • How have money markets reacted?
  • If rates reduce, can I get a lower rate on an active application?
  • What does this mean for longer term interest rates and the cost of mortgages?

For that and a lot more, we hope you enjoying listening.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this reaction to the Bank of England reducing rates by 0.25% to 4.5%, Matt Coulson (Founder at Heron) and Richard Campo (Head of Growth) talk over what this means for the mortgage market. Key themes are:

  • What impact will this have on mortgage rates?
  • How have money markets reacted?
  • If rates reduce, can I get a lower rate on an active application?
  • What does this mean for longer term interest rates and the cost of mortgages?

For that and a lot more, we hope you enjoying listening.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16574504 Thu, 06 Feb 2025 14:00:00 +0000 943 full false Mortgage Market Update - Feb 25 Mortgage Market Update - Feb 25 In this episode Matt (founder of Heron) and Richard (Head of Growth) talk over why they are seeing an extremely busy start the year!
Main themes are:
- Why mortgage pricing has been so volatile?
- Is the Bank of England going to cut rates or not in February?
- What impact has this had on mortgage pricing?
So for this and a lot more, we hope you enjoy this episode

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this episode Matt (founder of Heron) and Richard (Head of Growth) talk over why they are seeing an extremely busy start the year!
Main themes are:
- Why mortgage pricing has been so volatile?
- Is the Bank of England going to cut rates or not in February?
- What impact has this had on mortgage pricing?
So for this and a lot more, we hope you enjoy this episode

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16533919 Thu, 30 Jan 2025 18:00:00 +0000 1324 full false Mortgage Market Update - Jan 25 Mortgage Market Update - Jan 25 In this episode, Matt (Founder) and Richard (Head of Growth) from Heron Financial talk over what we saw in 2024 and a look ahead into 2025. Such as:
The key themes of 2024:
- The VUCA Environment, Inflation, Political instability/uncertainty

2025 Predictions:
Where will the following be by the end of December '25:
- Bank Of England Base Rate
- House Prices increases or decreases?
- How many lenders will use EPCs in Affordability Calculations
- How many new homes built?
- GDP?

Also capping off with a look at Money Market Rates

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this episode, Matt (Founder) and Richard (Head of Growth) from Heron Financial talk over what we saw in 2024 and a look ahead into 2025. Such as:
The key themes of 2024:
- The VUCA Environment, Inflation, Political instability/uncertainty

2025 Predictions:
Where will the following be by the end of December '25:
- Bank Of England Base Rate
- House Prices increases or decreases?
- How many lenders will use EPCs in Affordability Calculations
- How many new homes built?
- GDP?

Also capping off with a look at Money Market Rates

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16369530 Thu, 02 Jan 2025 12:00:00 +0000 2618 3 1 full false Mortgage Market Update - Dec '24 Mortgage Market Update - Dec '24 In this update Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, (Head of Growth) to discuss the three most topical points in the mortgage market, which are:
- Tariffs
- Tracker
- Tax

With a complex mortgage picture of the Bank of England cutting rates, but yet mortgage rates (specifically Fixed Rate products) increasing, it is a very hard time to navigate the market

Plus a few tangents...

To receive this monthly update as an email ahead of time, you can subscribe HERE

We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this update Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, (Head of Growth) to discuss the three most topical points in the mortgage market, which are:
- Tariffs
- Tracker
- Tax

With a complex mortgage picture of the Bank of England cutting rates, but yet mortgage rates (specifically Fixed Rate products) increasing, it is a very hard time to navigate the market

Plus a few tangents...

To receive this monthly update as an email ahead of time, you can subscribe HERE

We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16189602 Thu, 28 Nov 2024 15:00:00 +0000 1390 2 6 full false Bank of England Base Rate Decision - Reaction - Nov '24 Bank of England Base Rate Decision - Reaction - Nov '24 Matt Coulson (Founder of Heron) and Richard Campo (Head of Growth) talk over their immediate reaction to the Bank of England cutting rates from 5% down to 4.75% today. Covering topics such as:

  • Why are Fixed Rate mortgages going up when the Bank of England are cutting rates?
  • What impact this has had on money markets?
  • How this impacts the different type of mortgage products such as:
    • Trackers | Fixed Rates | Discount Rates
  • Why the UK Budget and US Election results are inflationary?
  • Why house prices

They aim to answer to these questions and a lot more besides. Hope you enjoy the listen.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Matt Coulson (Founder of Heron) and Richard Campo (Head of Growth) talk over their immediate reaction to the Bank of England cutting rates from 5% down to 4.75% today. Covering topics such as:

  • Why are Fixed Rate mortgages going up when the Bank of England are cutting rates?
  • What impact this has had on money markets?
  • How this impacts the different type of mortgage products such as:
    • Trackers | Fixed Rates | Discount Rates
  • Why the UK Budget and US Election results are inflationary?
  • Why house prices

They aim to answer to these questions and a lot more besides. Hope you enjoy the listen.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Buzzsprout-16064507 Thu, 07 Nov 2024 14:00:00 +0000 1308 2 5 full false Mortgage Market Update - Nov '24 Mortgage Market Update - Nov '24 In this update Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, (Head of Growth) to discuss:
- Brief recap of the Budget
- What impact the Budget will have on mortgage rates
- Where the Base Rate may head too

Plus a few tangents...

To receive this monthly update as an email ahead of time, you can subscribe HERE

We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this update Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, (Head of Growth) to discuss:
- Brief recap of the Budget
- What impact the Budget will have on mortgage rates
- Where the Base Rate may head too

Plus a few tangents...

To receive this monthly update as an email ahead of time, you can subscribe HERE

We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16024657 Thu, 31 Oct 2024 08:00:00 +0000 1172 2 4 full false Budget Reaction - What this means for the Property Market Budget Reaction - What this means for the Property Market Matt & Richard get into the detail of the budget, specifically looking into the aspects that will impact the Mortgage/Property world. Main topics covered were:

  • Stamp Duty on 2nd Homes up to 5%, now in effect
  • £5 Billion of Funding in the housing sector
  • Right To Buy Discounts 'reduced'
  • Capital Gains Tax increases (but remains free on your residential property)
  • Abolition of Non-Dom status
  • Change to definition of 'debt'
    • The big rabbit out the hat moment

So for that, and a lot more, we hope you enjoy the episode

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Matt & Richard get into the detail of the budget, specifically looking into the aspects that will impact the Mortgage/Property world. Main topics covered were:

  • Stamp Duty on 2nd Homes up to 5%, now in effect
  • £5 Billion of Funding in the housing sector
  • Right To Buy Discounts 'reduced'
  • Capital Gains Tax increases (but remains free on your residential property)
  • Abolition of Non-Dom status
  • Change to definition of 'debt'
    • The big rabbit out the hat moment

So for that, and a lot more, we hope you enjoy the episode

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-16019419 Wed, 30 Oct 2024 16:00:00 +0000 1876 2 3 full false Mortgage Market Update - Oct '24 Mortgage Market Update - Oct '24 In this update Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, (Head of Growth) to discuss:
- Long term trends in House Prices and why they rise above inflation
- Have interest rates bottomed out and what is driving this?

To receive this monthly update as an email ahead of time, you can subscribe HERE

The Article Richard was quoted in can also be found here - Are mortgage rates going to rise - Again!

We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this update Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, (Head of Growth) to discuss:
- Long term trends in House Prices and why they rise above inflation
- Have interest rates bottomed out and what is driving this?

To receive this monthly update as an email ahead of time, you can subscribe HERE

The Article Richard was quoted in can also be found here - Are mortgage rates going to rise - Again!

We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-15903573 Thu, 10 Oct 2024 16:00:00 +0100 1147 2 2 full false Bank of England Base Rate Decision - Reaction - Sept '24 Bank of England Base Rate Decision - Reaction - Sept '24 In this edition, Matt Coulson (Founder of Heron Financial) talks over the immediate reaction to the Bank of England holding rates at 5% with Richard Campo, Head of Growth at Heron.

Points discussed are:
- What impact will this have on mortgage rates?
- WIll this trigger a rate war with lenders?
- When is the best time to apply for a mortgage?

For more content like this, please do go to our website and you can also sign up for future Market Updates

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this edition, Matt Coulson (Founder of Heron Financial) talks over the immediate reaction to the Bank of England holding rates at 5% with Richard Campo, Head of Growth at Heron.

Points discussed are:
- What impact will this have on mortgage rates?
- WIll this trigger a rate war with lenders?
- When is the best time to apply for a mortgage?

For more content like this, please do go to our website and you can also sign up for future Market Updates

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-15780109 Thu, 19 Sep 2024 12:00:00 +0100 555 full false Mortgage Market Update - Sept '24 Mortgage Market Update - Sept '24 We are back!
 With our new and revamped format, Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, who has recently joined as Head of Growth.
 In this month’s podcast they discuss why mortgage rates are falling, what impact (if any) The Bank of England base rate plays in this, plus a very exciting evolution in the mortgage industry to explain why your homes efficiency (as determined by your EPC rating) now impacts the loan you can get, and what you can do to save even more money overall!
 We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> We are back!
 With our new and revamped format, Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, who has recently joined as Head of Growth.
 In this month’s podcast they discuss why mortgage rates are falling, what impact (if any) The Bank of England base rate plays in this, plus a very exciting evolution in the mortgage industry to explain why your homes efficiency (as determined by your EPC rating) now impacts the loan you can get, and what you can do to save even more money overall!
 We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-15740315 Thu, 12 Sep 2024 11:00:00 +0100 1007 mortgage, mortgage advice, financial advice, best mortgage rates, independent financial advice, mortgage broker 2 1 full false 5 Mortgage Basics You Need To Know 5 Mortgage Basics You Need To Know In our final episode, we discuss the 5 mortgage basics you should know before starting your mortgage journey. Applying for a mortgage can be a long and challenging process, so it is always best for you to get ahead of the game and prepare as much as possible.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In our final episode, we discuss the 5 mortgage basics you should know before starting your mortgage journey. Applying for a mortgage can be a long and challenging process, so it is always best for you to get ahead of the game and prepare as much as possible.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-11047553 Sun, 31 Jul 2022 20:00:00 +0100 368 full false Home Insurance 101 Home Insurance 101 On this week's podcast, we will be discussing Home Insurance 101! Going through all the different policies and what they actually cover. It is so important you know where your money is going and for you to sleep easy at night knowing you are covered for the unexpected.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> On this week's podcast, we will be discussing Home Insurance 101! Going through all the different policies and what they actually cover. It is so important you know where your money is going and for you to sleep easy at night knowing you are covered for the unexpected.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10953851 Mon, 18 Jul 2022 19:00:00 +0100 322 2 10 full false Can a protection policy benefit you? Can a protection policy benefit you? This week, we are talking all about protection policies and why they are essential to have in place for the unexpected.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> This week, we are talking all about protection policies and why they are essential to have in place for the unexpected.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10796505 Mon, 04 Jul 2022 17:00:00 +0100 325 full false How Everglades can make your Mortgage journey easier How Everglades can make your Mortgage journey easier In this week's episode of The Heron Financial Podcast, we are talking all about our award-winning software, Everglades! We will cover how it can help make your life easier through the mortgage process. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this week's episode of The Heron Financial Podcast, we are talking all about our award-winning software, Everglades! We will cover how it can help make your life easier through the mortgage process. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10789652 Mon, 20 Jun 2022 17:00:00 +0100 297 full false How choosing the right broker can make all the difference How choosing the right broker can make all the difference In this week's episode of The Heron Financial Podcast, we are talking about choosing the right broker and why it is crucial. Buying a house is not an easy task, so you need the best support possible when you start looking. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this week's episode of The Heron Financial Podcast, we are talking about choosing the right broker and why it is crucial. Buying a house is not an easy task, so you need the best support possible when you start looking. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10711327 Mon, 06 Jun 2022 17:00:00 +0100 287 2 7 full false Is Remortgaging your best option? Is Remortgaging your best option? This week, we are talking all about how remortgaging and how it can really benefit you. We will be covering all the different options you have and which situations it can help with. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> This week, we are talking all about how remortgaging and how it can really benefit you. We will be covering all the different options you have and which situations it can help with. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10651481 Mon, 23 May 2022 17:00:00 +0100 267 2 6 full false Key Advice For First Time Buyers Key Advice For First Time Buyers On this week's episode, we have Dean from Wander Films, and Matt is giving him some much needed advice about how to approach buying a house when you are a first-time buyer.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> On this week's episode, we have Dean from Wander Films, and Matt is giving him some much needed advice about how to approach buying a house when you are a first-time buyer.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10569279 Mon, 09 May 2022 17:00:00 +0100 698 full false Are New Builds Your Best Option? Are New Builds Your Best Option? In this episode, we are talking about how new builds properties and how they can help you keep the cost of living down. When you are looking to buy your new home, a new build could be the best option for you. To find out more, check out our latest episode.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this episode, we are talking about how new builds properties and how they can help you keep the cost of living down. When you are looking to buy your new home, a new build could be the best option for you. To find out more, check out our latest episode.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10477846 Mon, 25 Apr 2022 17:00:00 +0100 245 2 4 full false Getting Ahead Of The Game When Buying A House Getting Ahead Of The Game When Buying A House In this week's episode, we are giving you some critical advice about getting ahead of the queue when you are looking to buy a house. These are our top tips you can use when applying for a mortgage!

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this week's episode, we are giving you some critical advice about getting ahead of the queue when you are looking to buy a house. These are our top tips you can use when applying for a mortgage!

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10397089 Wed, 13 Apr 2022 17:00:00 +0100 311 full false Steps You Need To Take When Buying A House Steps You Need To Take When Buying A House In this week's episode of The Heron Financial Podcast, we are talking all about the critical steps you need to take when looking to buy a house. If you are thinking about buying a house, make sure you tune in because it might help make the process that little bit easier.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this week's episode of The Heron Financial Podcast, we are talking all about the critical steps you need to take when looking to buy a house. If you are thinking about buying a house, make sure you tune in because it might help make the process that little bit easier.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10317465 Mon, 28 Mar 2022 17:00:00 +0100 257 2 2 full false Credit Score Tips You Need In 2022 Credit Score Tips You Need In 2022 In this week's episode of The Heron Financial Podcast, we go through how your credit score can affect you and your best options when applying for a mortgage.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this week's episode of The Heron Financial Podcast, we go through how your credit score can affect you and your best options when applying for a mortgage.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10231614 Mon, 14 Mar 2022 17:00:00 +0000 356 2 1 full false We are back! We are back! Series 2 of The Heron Financial Podcast is here, and we are really excited to finally be back! In this series, we are going to be giving you advice and help, with all things mortgages, financial and so much more! 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Series 2 of The Heron Financial Podcast is here, and we are really excited to finally be back! In this series, we are going to be giving you advice and help, with all things mortgages, financial and so much more! 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-10232503 Fri, 11 Mar 2022 15:00:00 +0000 46 2 0 full false Insight into Specialist Lending Insight into Specialist Lending This week Matt is joined on the podcast by Roger Morris, we are very excited to have Roger on this week's episode as he gives us an insight into specialist lending and the buy to let scheme.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> This week Matt is joined on the podcast by Roger Morris, we are very excited to have Roger on this week's episode as he gives us an insight into specialist lending and the buy to let scheme.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-8789484 Mon, 05 Jul 2021 17:00:00 +0100 2534 full false House Buying Journey House Buying Journey In this week's episode, Matt and Aiden have been talking to one of the UK’s leading New Home Sales Consultant Amy Horton, discussing buying a new build and existing properties. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this week's episode, Matt and Aiden have been talking to one of the UK’s leading New Home Sales Consultant Amy Horton, discussing buying a new build and existing properties. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-8677884 Sun, 13 Jun 2021 17:00:00 +0100 2496 full false Making sense of Mortgage Jargon Making sense of Mortgage Jargon There is a lot of Mortgage Jargon that can sound like rocket science but in this week episode we will go through what it all means and help it make more sense. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> There is a lot of Mortgage Jargon that can sound like rocket science but in this week episode we will go through what it all means and help it make more sense. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-8548109 Sun, 23 May 2021 21:00:00 +0100 2098 full false How to get a Mortgage when self employed How to get a Mortgage when self employed On this week's episode we are joined again by mortgage expert Aiden and this week we are discussing how to get a mortgage when you are self employed.



If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> On this week's episode we are joined again by mortgage expert Aiden and this week we are discussing how to get a mortgage when you are self employed.



If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-8469846 Mon, 10 May 2021 00:00:00 +0100 1830 full false Speak To A Broker First Speak To A Broker First This week I’m joined by Aidan who is a Mortgage expert and we are going to be discussing this week all about different house buying schemes and which ones are the best for you. 



If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> This week I’m joined by Aidan who is a Mortgage expert and we are going to be discussing this week all about different house buying schemes and which ones are the best for you. 



If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-8384290 Mon, 26 Apr 2021 02:00:00 +0100 1567 full false Getting Ready To Apply For Mortgage Getting Ready To Apply For Mortgage In this episode we will be giving you hints and tips to help you get a better understanding of what steps you need to take when applying for a mortgage. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this episode we will be giving you hints and tips to help you get a better understanding of what steps you need to take when applying for a mortgage. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-8280213 Mon, 12 Apr 2021 06:00:00 +0100 1886 full false The Journey of Heron Financial The Journey of Heron Financial In this episode we will be diving into the History of Heron Financial, going into depth on how we started the company from the ground up. We will also be talking about the values we have and the kind of company we want to build for our amazing team.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> In this episode we will be diving into the History of Heron Financial, going into depth on how we started the company from the ground up. We will also be talking about the values we have and the kind of company we want to build for our amazing team.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Heron Financial Buzzsprout-8230253 Mon, 29 Mar 2021 08:00:00 +0100 2074 full false Welcome To The Heron Financial Podcast Welcome To The Heron Financial Podcast Welcome to The Heron Financial Podcast. In this podcast we will be helping you navigate through the Mortgage, Insurance and the Property Market. Our main goal is to make sure you are Mortgage ready and have better understanding of what you need to do.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Welcome to The Heron Financial Podcast. In this podcast we will be helping you navigate through the Mortgage, Insurance and the Property Market. Our main goal is to make sure you are Mortgage ready and have better understanding of what you need to do.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

]]> Wander Buzzsprout-8164388 Thu, 18 Mar 2021 13:00:00 +0000 46 1 0 full false