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Nene Valley Financial Planning is a trading style of Nick Cleathero who is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Could buying a home be more achievable than you think? 🏡You might be surprised at what could be possible with today’s mo...
28/09/2026

Could buying a home be more achievable than you think? 🏡

You might be surprised at what could be possible with today’s mortgage options.

Here’s just one example based on lending currently available:

💷 Income: £40,000

🏦 Potential mortgage: £218,500

🏡 Property price: £230,000

🔑 Deposit: £11,500 (5%)

📅 Mortgage term: 35 years

And perhaps the most surprising part? This could still be with a high street lender offering some of the most competitive mortgage rates available.

Lenders are really doing what they can to support affordability, with some offering enhanced income multiples and options for buyers with smaller deposits.

That £40,000 income doesn’t have to be one person’s salary either. It could be one applicant earning £40,000, or the combined household income of two applicants.

For context, the latest ONS Annual Survey of Hours and Earnings puts median annual earnings for full-time employees at around £39,000. So, if you’ve assumed buying a home is out of reach based on your income or deposit, don’t rule yourself out before finding out what could actually be possible.

Of course, this is just an example. Affordability will depend on your individual circumstances, commitments, credit history, mortgage term, lender criteria and full application.

📩 Want to know what could be achievable for you? Drop me a message and I can take a look.

Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025.

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.

Back to School. Back to Protection.September is a time for fresh starts, new routines and planning for the year ahead. 📚...
28/09/2026

Back to School. Back to Protection.

September is a time for fresh starts, new routines and planning for the year ahead. 📚

But while you're budgeting for uniforms, clubs, childcare and everything else the new school year brings, have you thought about protecting the income that pays for it all?

❤️ Life Cover – Could your family afford the mortgage and maintain their lifestyle if you died?

🩺 Critical Illness Cover – Would you have a financial cushion if you were diagnosed with a covered serious illness?

💼 Income Protection – If illness or injury stopped you working, how would you keep paying the household bills?

Your income helps provide the home, opportunities and lifestyle your family enjoys.

Don't just plan for the year ahead, protect it. 🛡️

📞 Now is a great time to review your personal protection. Get in touch today to see whether your existing cover is still right for you and your family.

How Much Protection Cover Do I Need?It's one of the most common questions we hear, and the honest answer is...It depends...
28/09/2026

How Much Protection Cover Do I Need?

It's one of the most common questions we hear, and the honest answer is...

It depends on you.

Everyone's circumstances are different, but when thinking about protection, ask yourself:

🏡 If you weren't here tomorrow, could your family afford to stay in their home?

💷 If you couldn't work because of illness or injury, how would you pay your monthly bills?

🩺 If you were diagnosed with a serious illness, would you have enough money to focus on your recovery without financial worry?

The right amount of protection should reflect your lifestyle, financial commitments and the people who rely on you.

Whether it's Life Cover, Critical Illness Cover or Income Protection, having the right cover in place can provide valuable financial security when it's needed most.

📞 Not sure if you have enough cover? Get in touch today for a protection review. We'll help you understand your options and make sure your cover is right for your needs.

Nene Valley Financial Planning is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

🏡 Is Gen Z giving up on homeownership? Think again.Despite what you might hear, many Gen Z buyers are still determined t...
22/07/2026

🏡 Is Gen Z giving up on homeownership? Think again.

Despite what you might hear, many Gen Z buyers are still determined to get on the property ladder, they're just taking a different approach.

For many first-time buyers, affordability is taking priority over location, and compromise is reshaping young buyer behaviour. Whether it's looking a little further afield or choosing a different type of property, many are making smart decisions to get their foot on the ladder.

As a first-time buyer, it can be difficult to know where to start. Which lender is offering the best deal? Who will lend you the most? Which mortgage is actually right for your circumstances?

That's where I come in.

As a mortgage broker, I compare lenders, explain your options in plain English, and help you find a mortgage that's right for you, making the process as simple and stress-free as possible.

📩 Drop me a message and let's see what's possible.

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.

Which Protection Product Solves Which Problem? 🤔Many people know they should have protection in place, but they're not a...
22/07/2026

Which Protection Product Solves Which Problem? 🤔

Many people know they should have protection in place, but they're not always sure which type of cover does what.

Here's a simple guide:

❤️ Life Cover

Problem it solves: Your family would struggle financially if you died.

Solution: A lump sum payment to help support your loved ones, pay off debts or cover living costs.

🩺 Critical Illness Cover

Problem it solves: You're diagnosed with a serious illness and need financial support during recovery.

Solution: A tax-free lump sum that can be used however you choose, whether that's paying the mortgage, replacing lost income or adapting your home.

💼 Income Protection

Problem it solves: You can't work due to illness or injury.

Solution: A regular monthly income to help cover your essential bills while you recover.

Think of it like this:

✔️ Life Cover protects your family's future.

✔️ Critical Illness Cover protects your recovery.

✔️ Income Protection protects your monthly income.

Each product is designed to solve a different problem, and for many people, they work best together.

Not sure which protection is right for you? Let's have a chat.

☀️ Summer is just around the corner! 😎If you're self-employed, taking a couple of weeks off to relax and enjoy the sunsh...
17/06/2026

☀️ Summer is just around the corner! 😎

If you're self-employed, taking a couple of weeks off to relax and enjoy the sunshine sounds great 🌴🍹

But what if you had to take more than a few weeks off because of an illness or injury? 🤕🏥

Unlike employees, most self-employed people don't receive sick pay 💷❌ If you're unable to work, your income could stop while the bills keep coming 📉🏠⚡

✅ Income Protection can provide a regular monthly income if you're unable to work due to illness or injury, helping you keep on top of your finances while you focus on your recovery 💙

Don't leave your income to chance 🎯 Make sure you have a plan in place.

📩 Get in touch to find out how Income Protection could help protect you and your family.

👉📞Get in touch at your convenience to arrange a review.

AI Can’t Fight Your Corner. I Can.AI is changing the mortgage industry.It can compare rates, it can search criteria, it ...
10/06/2026

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.

Could Your Family Be Left Unprotected by aCommon Insurance Misconception?Many people believe that if they have Terminal ...
10/06/2026

Could Your Family Be Left Unprotected by a
Common Insurance Misconception?

Many people believe that if they have Terminal illness Cover, they are also protected for a critical illness diagnosis.

Unfortunately, this isn't the case.

We've recently spoken to clients who were surprised to learn that:

• Terminal Illness Cover is usually included within a life insurance policy and pays out when a doctor confirms a terminal illness meeting the policy definition.

• Critical Illness Cover pays a lump sum if you're diagnosed with a specified serious condition such as cancer, heart attack, stroke, multiple sclerosis, or other conditions listed in the policy.

• Having Life Insurance alone may not provide financial support if you survive a serious illness but are unable to work.

Why this matters

Imagine being diagnosed with a serious illness and facing:

✅ 💷 Loss of income
✅ 🏠 Mortgage or rent payments
✅ 👶Household bills and childcare costs
✅ 🚗🏥Additional medical or travel expenses

Critical Illness Cover can provide a tax-free lump sum to help ease the financial pressure while you focus on treatment and recovery.

Three questions to ask yourself:

If I couldn't work for 12 months due to a serious illness, how would I pay my bills?

Does my current policy include Critical Illness Cover or only Terminal Illness Cover?

Do I know what my policy actually covers?

Many policyholders haven't reviewed their protection arrangements in years and may not know exactly what they are covered for.

We're offering a complimentary protection review to help you understand your existing cover, identify any gaps, and ensure your family is properly protected.

Contact us to arrange a review

10/06/2026

❤️ Protect Your Family & Finances with Critical Illness Cover

Life is full of surprises—but not all of them are welcome. A serious illness can affect more than just your health; it can impact your income, savings, and family finances too.

🛡️ Critical Illness Cover can provide a tax-free lump sum payment if you're diagnosed with a covered critical illness, helping you focus on what matters most—your recovery.

Why consider Critical Illness Cover?

💷 Help cover mortgage payments and household bills

🏥 Support private treatment, rehabilitation, or medical expenses

📉 Replace lost income if you're unable to work

👨‍👩‍👧‍👦 Protect your family's financial wellbeing

🌟 Enjoy greater peace of mind for the future

A critical illness can happen when you least expect it. Having the right protection in place means you and your loved ones can face the future with greater confidence.

✅ Financial support when you need it most

✅ Flexible use of your payout

✅ Protection tailored to your needs and budget

📞 Get in touch today for a no-obligation review and find out how Critical Illness Cover could help safeguard your future.

We're here to help you protect what matters most. ❤️

21/05/2026

💼 Life can change unexpectedly, but your financial security should always stay protected.

With Unemployment Insurance coverage, you can enjoy peace of mind knowing you’ll have financial support if you experience unexpected job loss or involuntary redundancy through no fault of your own.

✨ Why Choose Unemployment Insurance?

✔️ Monthly income support during unemployment for up to 24 months

✔️ Protection for bills, rent, and daily expenses 🏠

✔️ Quick & simple claims process 📄

✔️ Flexible plans tailored to your needs 🎯

🌟 Be prepared for the unexpected and safeguard your future today.

Don’t leave your finances to chance, secure reliable protection for yourself and your family ❤️

👉📞 Please get in touch to explore your options.

Address

Peterborough

Telephone

+447870611914

Website

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