Reeds Financial

30/04/2026

📊 The Bank of England has kept its main interest rate at 3.75%, with most members voting to leave it as it is.

Even though nothing changed this time, the vote shows there’s still some uncertainty about what might happen next. Inflation has gone up a bit again, mainly because energy costs are rising, so people are keeping a close eye on the next few months.

The important thing to know is that mortgage rates don’t just follow today’s decision. Lenders set their rates based on what they think will happen in the future, so things can still change quickly - even when the main rate stays the same.

If your current deal is ending soon or you’re thinking about your next step, it’s worth checking what’s available now rather than waiting for the next bit of news.

21/04/2026

National Tea Day question ☕

When it comes to tea, what are you choosing?

🫖 Builders tea
🍋 Lemon tea
🥛 Milky tea
🍵 Herbal tea
❌ Coffee only

09/04/2026

One of the biggest things that stops people buying a home is thinking they need a huge deposit.

But that’s not always the case.

There are mortgages available with smaller deposits - sometimes much smaller than people expect.

But (and this is important)…

It’s not just about the deposit. Lenders will also look at things like:
✔ Your income
✔ Your credit history
✔ Your monthly commitments
✔ The property you’re buying

I’ve had quite a few conversations recently where people thought they were years away from buying, when actually they were closer than they realised.

The key is understanding what’s possible based on your situation, not just what you read online.

If you’re not sure how much deposit you actually need, happy to have a chat.

08/04/2026

Protection that costs less than a night out 🎬

We often compare cover to big numbers…

But in reality, it can cost less than:
🍿 A cinema trip
🍔 A takeaway
☕ A few coffees a week

The difference?

One lasts a couple of hours…
The other could support you financially when you actually need it.

Most people overestimate the cost - and underestimate the impact.

Worth a quick check if it’s something you’ve never looked at properly.

Happy to sense-check what you’ve got (or haven’t got) - no pressure.

07/04/2026

Your credit history isn’t your whole story.

I speak to a lot of people who think they can’t get a mortgage because of something in their past.

But every lender looks at things differently, and sometimes there are more options than people expect.

If you’re not sure where you stand, it’s always worth a conversation.

06/04/2026

There are a lot of mortgage myths out there…

• You need a 20% deposit
• Bad credit = no mortgage
• You can’t remortgage early
• You must stay with your bank

Most of these aren’t always true.

What have you heard?

05/04/2026

05/04/2026

Happy Easter everyone 🐣

Whether you're spending the weekend with family, eating too much chocolate, or browsing Rightmove… We hope you have a great long weekend.

If moving home, remortgaging, or sorting your mortgage is on your to-do list this year, feel free to drop us a message - always happy to help.

Enjoy the long weekend!

04/04/2026

Easter question 🐣

If someone handed you the keys to your dream home tomorrow…
what would be the one thing it must have?

🏡 Big garden
💻 Home office
🍳 Modern kitchen
🛏 Extra bedrooms

Or something else?

Curious to see what most people would choose 👇

24/03/2026

“Insurance is a waste of money…”

We get why people think that.

You pay for something you hope you’ll never need.

But the question isn’t really “is it worth it?”

It’s…

👉 What happens if you actually need it?

We’ve seen cases where a policy paid out tens of thousands - after years of relatively small monthly payments.

Not because someone planned for it… but because life doesn’t always go to plan.

It’s not about expecting the worst.

It’s about knowing you’ve got something in place, just in case.

👉 Happy to sense-check what you’ve got (or don’t have) - no pressure.