Jake Manderfield - Foundation Wealth

07/08/2026

It's good to be back in the mortgage game.

This week I've helped two people with remortgaging and thought I'd share their experiences to help you maybe prepare.

Both clients coming off 5 year fixed rates. Both on what are now extremely low rates.

Current fixed rates start with a 4 or 5 (%).

If you're on an old fixed rate, maybe even a 1 or 2%, make sure you keep on top of when your rate ends and start planning early.

22/07/2026

Hi everyone, it's been a while since I've been active on Facebook, but I have some very exciting news to share.

After two brilliant years with Kellyhill Financial Planning, I'm extremely proud to announce that I've launched my own independent financial planning firm; Foundation Wealth.

I'm a firm believer that building wealth is far more behavioural than technical. That's why I launched Foundation Wealth — to help you to understand your money, your decisions and your relationship with it, so we can create a financial plan that stands the test of time and doesn't fall apart at the first sign of a bear... market (sorry 😄).

Foundation Wealth offers a full range of advice, including mortgages, protection, pensions and investments.

Whether you're buying a house, planning for retirement, or simply want to make better financial decisions and build towards a more independent future, I'd love to help.

If you think I can help you, or someone you know, feel free to get in touch.

Jake

[email protected]
07785 388531

18/02/2026

Put your hand up if you hold premium bonds ✋

I've had the "should I buy premium bonds?" conversation 3 times in the last 2 days so maybe you're thinking the same thing.

Should you buy premium bonds and are they worthwhile?

The simple, statistical answer, for most people, is no. Information about why from MSE here: https://www.moneysavingexpert.com/savings/premium-bonds/

Basically, it's very unlikely that you'll earn more from premium bonds than from a decent savings account.

The more complicated answer is, it depends.

If you like the chance that you might win £1m and are happy that your money might be going backwards in the meantime, great! ✅

If you have other savings and investments working harder and you're buying premium bonds with spare cash, also great! ✅

If you're putting all of your savings into premium bonds because they're tax free and you're hoping you're money will grow, maybe not so great.❌

How do you feel about premium bonds?
Do you have any?
Have you maxed them out?
How often do you win?

Let me know 👇

Premium Bonds are the UK's most popular savings vehicle, but MoneySavingExpert's detailed analysis shows returns don't add up for many compared with savings.

16/12/2025

A really good summary by Which? on how much the state pension is and whether it's enough.
Let me know your thoughts.

The state pension alone may not stretch far enough for the lifestyle you want