Heron Financial

Heron Financial Heron Financial | B Corp™️
Bespoke mortgage and insurance practice providing professional advice and a high level of service.

Our clients recognise that choosing the correct financial package is of paramount importance and that solid professional advice is an important part of this. We are able to deliver personal advice either over the telephone or via video call at a time convenient for you and your family. With a promise to provide a lifetime service with our unique on-going management system. For many years we have b

uilt up strong relationships with lenders and insurers, large and small, often obtaining exclusive rates and service levels, meaning our clients always experience special treatment.

05/03/2026

One year in as a B Corp, and B Corp Month feels like the perfect moment to pause and reflect. 💚

We celebrated our very first B Corp anniversary last week, and as a team we’ve put our all into this first year. Not for a badge, but because we genuinely want to build a business that does right by people, clients, and the planet.

A massive shoutout to the Heron team for bringing the standards to life day to day. From volunteering and fundraising for the charities we support, to embedding the values into how we advise and care for clients through our People Champions, to the environmental commitments we’ve made behind the scenes.

We’ve planted thousands of trees already, and we’re only getting started. This year, we’re aiming to go further.

Proud to be part of a global community of B Corps raising the bar for what responsible business looks like. 🌍

26/02/2026

If you have a mortgage and you do nothing when your deal ends, most lenders move you onto their standard variable rate. That is when payments can jump, and a lot of people only notice after it hits their bank account.

Yes, lenders usually write to you. The problem is it is often one letter, easy to miss, easy to ignore, or it ends up in the “I will deal with that later” pile. Then your direct debit changes and you are suddenly paying more for no real benefit.

We break down how to avoid this and what to do instead in our latest podcast episode. Link in bio 🎧💬

⚠️ General information only, not personal advice. Mortgage availability and rates depend on individual circumstances and lender criteria.
Your home may be repossessed if you do not keep up repayments on your mortgage.

24/02/2026

When is it actually smart to hold off remortgaging?

A common one is when you are planning to move house in the next 6 to 12 months. People often avoid locking into a new deal because they do not want early repayment charges or hassle while they are preparing to move.

But here is the bit most homeowners miss. Many fixed deals are portable, meaning you can move the mortgage product to the new property, so you do not have to sit on a high standard variable rate while you wait. Portability depends on lender criteria and the new property, but it is worth checking.

We talk through this properly in the full episode. Podcast link in bio 🎧💬

⚠️ General information only, not personal advice. Mortgage options, portability and fees depend on individual circumstances, lender criteria and the specific product.
Your home may be repossessed if you do not keep up repayments on your mortgage.

19/02/2026

Is it true that a bigger deposit gets you a better mortgage rate?

In general, yes. A higher deposit usually means a lower rate because the lender sees it as less risk. You own more of the property from day one, so there is more equity behind the mortgage.

But it is lender specific. Not every lender prices products the same way, and a bigger deposit does not automatically guarantee the best deal for you.

If you are trying to work out what deposit level makes a real difference to your monthly payment, we can run the numbers properly and compare across the market. We are not saying that just because we are fee-free mortgage advisers. It genuinely helps you avoid guessing.

Link in bio 💬

⚠️ General information only, not personal advice. Mortgage availability and interest rates depend on individual circumstances, lender criteria and the product selected.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Lenders are starting to reward energy-efficient homes with better mortgage rates, and penalise inefficient ones.A higher...
14/10/2025

Lenders are starting to reward energy-efficient homes with better mortgage rates, and penalise inefficient ones.

A higher EPC could mean lower repayments and even access to “green mortgage” products.

At Heron, we’ll show you how simple upgrades — insulation, solar, glazing — can add value and improve eligibility for future deals.

Good for your wallet, good for the planet. 🌱

💬 Buying or improving? Let’s talk about turning efficiency into savings.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Too many would-be buyers rule themselves out before they’ve even started, because they think the deposit hurdle is too h...
13/10/2025

Too many would-be buyers rule themselves out before they’ve even started, because they think the deposit hurdle is too high.

In reality, some lenders accept as little as 5%, depending on your circumstances and credit profile.

At Heron, we’ll break down your options clearly — no jargon, no false hope — and show you the smartest path forward.

The result? Clarity, confidence, and maybe your first set of keys sooner than you think.

💬 Let’s find out how close you actually are to your first home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

When your mortgage deal ends, your lender quietly moves you to their standard variable rate.That “small change” can mean...
08/10/2025

When your mortgage deal ends, your lender quietly moves you to their standard variable rate.

That “small change” can mean hundreds more every month, money you could be saving or investing elsewhere.

At Heron, we keep your deal under review so you never drift into an expensive rate.

You’ll always know your next best option — fee-free, stress-free, and on your terms.

💬 Think your deal’s ending soon? Let’s check before your rate jumps.

Your home may be repossessed if you do not keep up repayments on your mortgage.

No more rush hour stress or office trips! Research shows that remote meetings are now the preferred way for clients to m...
07/10/2025

No more rush hour stress or office trips! Research shows that remote meetings are now the preferred way for clients to manage their mortgage needs, and we completely agree. 🙌🏼

We're built for your modern, busy life. Whether you prefer a quick phone chat, a Zoom call, or a Teams screen-share, we accommodate your needs.

The benefits of going virtual:

📍 Location is irrelevant: Get expert advice whether you're at work, home, or miles away.
🛂 Maximum Efficiency: We use digital tools for everything from ID checks to document signing, getting you to the final application faster.
📆 Convenience: Fit your mortgage appointment seamlessly into your schedule, not the other way around.

Location and busy schedules don't need to hold you back! Book your virtual consultation with us today and experience the difference. 📲

Your home may be repossessed if you do not keep up repayments on your mortgage.

The path to securing a property can feel complicated, but the solution is simple! 🤔An effective mortgage strategy is the...
06/10/2025

The path to securing a property can feel complicated, but the solution is simple! 🤔

An effective mortgage strategy is the key to success, and it starts with a no-pressure, initial appointment with our team.

We help you:

👉🏼 Demystify options and rates.
👉🏼 Clearly define your borrowing limits.
👉🏼 Walk into viewings fully prepared.

DM us today to get your strategy locked in! 📲

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

London

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm
Saturday 10am - 5:30pm
Sunday 10am - 5:30pm

Telephone

+442031951982

Website

Alerts

Be the first to know and let us send you an email when Heron Financial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Heron Financial:

Shortcuts

Share

Category