Campden Financial

09/09/2026

🏗️ Protect your income – and your business

Being self-employed means you’re in control of your business…

But it also means your business relies on you. 💼

If illness or injury stopped you from working, your income could reduce or stop altogether. But many of your fixed business costs would still need to be paid. 📋

These could include:

🚐 Van or vehicle lease payments
🏢 Rent for your business premises
🛠️ Equipment or machinery hire
🛡️ Business insurance
💡 Utility bills
💳 Loan or finance repayments
📞 Phone, broadband and other essential business expenses
These are known as fixed costs because they continue whether you’re working or not.

✅ Income Protection can provide a regular monthly income if you’re unable to work due to illness or injury. Even better, if you’re self-employed, eligible fixed business costs may also be taken into account when calculating how much cover you can have, helping you protect more than just your income.

That means you could have greater financial support to help keep both your household and your business running while you focus on your recovery. ❤️‍🩹

📞 If you’re self-employed and would like to find out how Income Protection could help protect both you and your fixed costs, get in touch today.

[email protected]

08/09/2026

https://www.bbc.co.uk/news/articles/c770v7y63r0o?app-referrer=deep-link

Major lenders have raised rates on new deals in recent days, leaving many borrowers needing to make a decision.

07/09/2026

🏡 Misconception: ‘Equity release means losing your home.’ Not true! With modern equity release plans, you retain ownership of your home while unlocking some of its value. It’s a flexible way to enjoy retirement, whether that’s through travel, home improvements, or helping loved ones. 🌍🔑

Curious about how equity release could work for you? Get in touch 01386 303000 📞

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

03/09/2026

🏡 Buying a home? Don’t forget these costs…

Saving for your deposit is a huge milestone, but it’s only one part of the budget when buying your home.

Before you get the keys, it’s worth planning for a few other costs too, including:
✔️ Solicitor fees
✔️ Building Survey costs
✔️ Mortgage broker fees
✔️ Mortgage lender and valuation fees (where applicable)
✔️ Stamp Duty (if payable)
✔️ Buildings & Contents insurance
✔️ Removal costs
✔️ Furniture, decorating and those little extras that soon add up

Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I’m here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.

📩 Thinking about buying your first home or moving house? Get in touch and let’s make sure you’re fully prepared.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

02/09/2026

Robyn already leaving her mark on Campden Financial as our new mortgage and protection adviser (as well as running the office!) Great first review Robyn! 🌟

10/08/2026

Self-Employed? What Happens If You Can’t Work? 🤔💷

Are you a self-employed manual worker putting in at least 16 hours a week? 👷‍♂️💼

If you were off sick, would you still have money coming in? 🤔💷

And be honest, do you actually have time (or patience) to go through a long medical questionnaire? ⏳📋

If this sounds like you, there may be simpler and quicker ways to protect your income without the hassle 🙌

👉 Please get in touch to explore your options.

07/08/2026

📈 Mortgage rates spike…

We saw a number of lenders increase their mortgage rates last week, showing just how quickly the market can change.

For anyone looking to buy, re-mortgage, or secure a new deal, keeping up with these changes can feel overwhelming.

This is where using a mortgage broker can really help 👇

🔎 Access to a wide range of lenders – not just the ones you see on the high street
📊 Up-to-date market insight – we keep track of rate changes as they happen
💡 Tailored advice – finding the most suitable deal for your personal circumstances
⏱️ Saving you time and stress – we compare options and handle the process for you

With rates changing regularly, having someone monitoring the market and guiding you through it can make all the difference.

If you’re thinking about buying, re-mortgaging, or reviewing your current deal, now is a good time to speak to a broker.

📩 Feel free to message us to explore your options.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

05/08/2026

Whether you’ve recently changed jobs or homes, got married or divorced, or had a child or grandchild – it may be time to review your current financial situation. A lot can change in just 12 months. And just like a health check-up, your finances should be reviewed annually as well.

[email protected]

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES

03/08/2026

AI Can’t Fight Your Corner. I Can.

AI is changing the mortgage industry.

It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that’s great.

📞But when a lender has concerns about your application, AI isn’t picking up the phone to speak to an underwriter.
🗣️AI isn’t explaining why a missed payment from three years ago doesn’t reflect your situation today.
📂AI isn’t discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don’t fit neatly into a box.
🤝AI can’t build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision.

Getting a mortgage isn’t just about finding a rate, it’s about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.
Technology helps me work faster, but it isn’t the mortgage broker.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

31/07/2026

Quick question 👇

When did you last speak to an adviser to check your cover still fits your life?

If you’re not quite sure 🤔, you’re not alone. Most people set things up once and then don’t revisit them, even though life moves on.

A new job 💼, moving home 🏡, growing family 👶, or changes in income 💷 can all mean your current cover may not be doing what you think it is.

This isn’t about making big changes or buying something new. It’s simply about making sure everything still lines up with where you are today, and that there aren’t any gaps you weren’t aware of.

A quick review is often all it takes to:

✔️ Reassure you everything is on track
✔️ Or highlight small changes that could make a big difference

If it’s been a while, it might be worth a quick chat 💬

Send us a message and we can go through your options.

[email protected]