http://www.honeyfinancial.co.uk/

Honey Financial Solutions, 2 Park Road, Wath-upon-Dearne, Rotherham (2026)

09/06/2026

𝗖𝗮𝗻 𝘆𝗼𝘂 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗻 𝗼𝗻𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 𝗮𝗳𝘁𝗲𝗿 𝘀𝗲𝗽𝗮𝗿𝗮𝘁𝗶𝗼𝗻? 𝗠𝗼𝗿𝗲 𝗼𝗳𝘁𝗲𝗻 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂'𝗱 𝘁𝗵𝗶𝗻𝗸 — 𝗯𝘂𝘁 𝗵𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗸𝗻𝗼𝘄.

It's one of the questions I hear most often, and I want to answer it honestly.

Some lenders will consider child maintenance as income. Some lend at higher income multiples than others. Equity in the property, if there is some, can also change what's achievable. And as an independent mortgage adviser not tied to any single lender, I know which ones are most likely to look favourably at your situation.

The right first step is always a free initial chat — no cost, no commitment, no effect on your credit file. We'll look at your full picture and I'll give you an honest sense of what's realistic. If a formal mortgage capacity report is needed to support your legal process, I offer that directly at £279 at the time of writing (fees subject to change) — but we'll only go there if it's genuinely the right next step for you.

And if, after proper assessment, a sole mortgage isn't achievable right now — that's really important information for your solicitor to have when structuring the settlement. Far better to know early than to find out late.

I've written more on this in my latest blog — link in the first comment below.

I'm Vicky at Honey Financial Solutions Ltd, an independent mortgage adviser in South Yorkshire, working with clients across the UK. Please get in touch whenever you're ready.

𝘈 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘭𝘰𝘢𝘯 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘴𝘦𝘤𝘶𝘳𝘦𝘥 𝘢𝘨𝘢𝘪𝘯𝘴𝘵 𝘺𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘰𝘳 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺.

08/06/2026

𝗥𝗶𝗴𝗵𝘁, 𝗜'𝗺 𝗷𝘂𝘀𝘁 𝗴𝗼𝗶𝗻𝗴 𝘁𝗼 𝗯𝗲 𝗵𝗼𝗻𝗲𝘀𝘁 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂. 😴

Rubbish night's sleep (cheers, snoring husband), a full weekend of work, a load of decisions that needed making, and my hormones doing their own thing — I've woken up today and I am absolutely done in before the day's even started.

I still dragged myself to the gym this morning. Not because I felt like it. Because I knew I'd feel worse if I didn't. Spoiler: I still feel knackered. But I went, and that's enough.

I'm usually the person with the glass half full. Positive, forward-looking, see the bright side — that's genuinely me. Today is not that day. Today is just a bit rubbish, and I'm allowing it.

I'm not after sympathy. I'm just putting it out there because social media is a constant highlight reel, and sometimes real life is just tired and messy and that's okay too. 💛

If you're having a bit of a one today as well — same, mate. Same.

Sunrise pic for a bit of positivity.

04/06/2026

𝗜𝗳 𝘆𝗼𝘂𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝘀𝘁𝗼𝗽𝗽𝗲𝗱 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄, 𝘄𝗵𝗮𝘁 𝘄𝗼𝘂𝗹𝗱 𝗵𝗮𝗽𝗽𝗲𝗻 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?

If your income stopped tomorrow, what would happen to your mortgage?

When a relationship ends, your financial protection doesn’t automatically update to reflect your new situation. And for a lot of the people I work with, that’s where the gaps start to appear.

Here’s something I really want more people to know: reviewing your protection insurance should happen at the same time as reviewing your mortgage options — not at the end, once everything else is sorted. Your protection needs are part of the picture your solicitor needs before your financial consent order is finalised.

Income protection is often the first type of cover I’d talk through with someone in this situation — it’s the cover that keeps everything running if you can’t work. Statutory sick pay is currently £123.25 a week — around 18% of the average UK wage. Whatever your employer adds on top of that varies widely, and if you’re self-employed, there’s no employer sick pay at all. Income protection is what gives you certainty.

Family income benefit sits alongside that — paying a monthly income to your family if you die, and can include critical illness cover in the same policy.

I’m Vicky at Honey Financial Solutions Ltd, an independent mortgage and protection adviser based in South Yorkshire, helping people across the UK. This conversation doesn’t have to be overwhelming — it just needs to happen, and sooner rather than later.

Drop a question in the comments if any of this feels relevant to you. 💛

📍 South Yorkshire · UK-wide

03/06/2026

𝗠𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗰𝗼𝗮𝗰𝗵 𝘀𝘂𝗴𝗴𝗲𝘀𝘁𝗲𝗱 𝘁𝗵𝗶𝘀 𝘁𝗼 𝗺𝗲 𝗮𝗻𝗱 𝗵𝗼𝗻𝗲𝘀𝘁𝗹𝘆, 𝗶𝘁'𝘀 𝗯𝗲𝗲𝗻 𝗮 𝗴𝗮𝗺𝗲 𝗰𝗵𝗮𝗻𝗴𝗲𝗿. 🙌

MITs — Most Important Tasks.

Each morning, pick just 2–3 tasks that would make the day a success, even if everything else went sideways. Not the easiest jobs. Not the ones that just keep you busy. The ones that actually move the needle.

I use it at work and at home now. Some days at work that's calling back a client going through a divorce who needs their mortgage sorting. At home, it might just be making sure tea is actually on the table and I've had five minutes to myself. 😄

Both count. That's the point.

As a mortgage and protection adviser based in South Yorkshire, my days can go in a hundred directions — and MITs help me make sure the right things get done first, whether that's for a client or for me.

Even on the mad days — and there are plenty — you go to bed knowing the things that really mattered got done.

💡 My tip: Write your MITs the night before. That way you wake up with a clear head and a plan.

Do you use anything like this? I'd love to know — drop a comment below! 👇

02/06/2026

𝗦𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗜 𝗵𝗲𝗮𝗿 𝗳𝗿𝗼𝗺 𝗮𝗹𝗺𝗼𝘀𝘁 𝗲𝘃𝗲𝗿𝘆 𝗰𝗹𝗶𝗲𝗻𝘁 𝘄𝗵𝗼 𝗰𝗮𝗹𝗹𝘀 𝗺𝗲 — 𝗮𝗻𝗱 𝗜 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗮𝗱𝗱𝗿𝗲𝘀𝘀 𝗶𝘁 𝗯𝗲𝗳𝗼𝗿𝗲 𝗶𝘁 𝘀𝘁𝗼𝗽𝘀 𝘆𝗼𝘂 𝗽𝗶𝗰𝗸𝗶𝗻𝗴 𝘂𝗽 𝘁𝗵𝗲 𝗽𝗵𝗼𝗻𝗲.

If you're going through a separation and the mortgage feels like one more thing you can't face right now — that's completely understandable. And you don't have to have it all figured out to have a first conversation.

You don't need to know what you want to do with the house.
You don't need a solicitor already in place.
You just need to be at the point where you're ready to understand your options.

A free initial chat with me costs nothing, commits you to nothing, and doesn't affect your credit file. It simply gives you a clearer picture of where you stand — so when the legal process reaches the point where decisions need to be made, you're informed and ready rather than starting from scratch under pressure.

What I won't do is encourage you to make any changes to your mortgage before your solicitor confirms the timing is right. That matters — and I'll always be straight with you about it. I'm Vicky at Honey Financial Solutions Ltd, an independent mortgage adviser in South Yorkshire, working with clients across the UK through some of life's trickier moments. I'm here whenever you're ready.

💛

01/06/2026

I 𝘃𝗶𝘀𝗶𝘁𝗲𝗱 𝗙𝗮𝗿𝗺𝗲𝗿 𝗖𝗼𝗽𝗹𝗲𝘆𝘀 𝗶𝗻 𝗪𝗲𝘀𝘁 𝗬𝗼𝗿𝗸𝘀𝗵𝗶𝗿𝗲 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸𝗲𝗻𝗱 𝗮𝗻𝗱 𝗲𝗻𝗱𝗲𝗱 𝘂𝗽 𝘀𝘁𝗼𝗽𝗽𝗶𝗻𝗴 𝗮𝘁 𝗮 𝗵𝗼𝗻𝗲𝘆𝗯𝗲𝗲 𝗵𝗶𝘃𝗲. 🐝

What got me was the waggle dance. When a bee finds a brilliant patch of flowers, it comes back to the hive and tells the others exactly where to go — through movement. Direction, distance, how good the source is. All communicated through dance, with no words at all.

And the rest of the colony just... trusts it. Acts on it. Works together without question.

They've been doing it for millions of years and it works because every single bee shows up for the hive, not just for itself.

I think there's a lot humans could learn from that, honestly. The value of clear communication. Of trusting the people around you. Of knowing you're not on your own.

If you've never been to Farmer Copleys, get yourself there. Brilliant day out and apparently free life lessons are included. 🌻

21/05/2026

𝗜𝗳 𝘆𝗼𝘂'𝘃𝗲 𝗯𝗲𝗲𝗻 𝗽𝘂𝘁𝘁𝗶𝗻𝗴 𝗼𝗳𝗳 𝘀𝗼𝗿𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘀𝗶𝗻𝗰𝗲 𝘆𝗼𝘂𝗿 𝘀𝗲𝗽𝗮𝗿𝗮𝘁𝗶𝗼𝗻, 𝘁𝗵𝗶𝘀 𝗼𝗻𝗲'𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂. 💛

I know it feels like just another thing on a very long to-do list. But getting it sorted now means you and your family are properly protected — and that's one less thing to worry about while everything else is being dealt with.

Here are the practical steps to work through, in the right order:

Step 1 — Check your divorce settlement first
Before you do anything, speak to your family law solicitor. If your financial consent order requires life insurance to stay in place, you need to know that before you cancel or change anything. Always start here.

Step 2 — Contact your insurer and ask about splitting the policy
Ask specifically whether your policy has a separation clause or split option. If it does, this is often the simplest solution — you both keep your cover without reapplying. If it doesn't, move to Step 3.

Step 3 — Get individual quotes before you cancel
Don't cancel your joint policy until new individual cover is sorted and in place. You don't want to be left with no protection while you're shopping around. A protection adviser — like me — can do this for you, search the whole market, and make sure there's no gap.

Step 4 — Make sure your ex sorts their cover too
Even if you've always been the one to handle the finances, encourage your ex to get their own individual cover in place — especially if your children rely on their income or care. This isn't just about protecting yourself. It's about making sure your family is looked after whoever is affected.

And if you and your ex can't agree on what to do with the joint policy? A family mediator can help you reach a fair decision without it becoming a battle. Your solicitors can also advise on whether the policy needs to stay in place as part of your financial settlement.

I'm Vicky, independent mortgage and protection adviser at Honey Financial Solutions Ltd, based in South Yorkshire. If you're going through a divorce or separation and need help sorting your protection insurance, I'm here. I'll review your existing cover, check your options with your insurer, and find you the right individual policy at the best price — wherever you are in the UK. 🐝

Drop me a message or visit www.honeyfinancial.co.uk to book a free chat. No jargon, no pressure — just honest advice that puts you and your family first. 👇

𝘈 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘭𝘰𝘢𝘯 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘴𝘦𝘤𝘶𝘳𝘦𝘥 𝘢𝘨𝘢𝘪𝘯𝘴𝘵 𝘺𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘰𝘳 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺.

20/05/2026

𝗢𝗻 𝗙𝗿𝗶𝗱𝗮𝘆 𝗜 𝗱𝗶𝗱 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗜'𝗱 𝗯𝗲𝗲𝗻 𝗽𝘂𝘁𝘁𝗶𝗻𝗴 𝗼𝗳𝗳 𝗳𝗼𝗿 𝗮𝗴𝗲𝘀 — 𝗜 𝗵𝗮𝗱 𝗺𝘆 𝗳𝗶𝗿𝘀𝘁 𝗽𝗿𝗼𝗽𝗲𝗿 𝗖𝗘𝗢 𝗱𝗮𝘆. ☀️

My business coach suggested it. We meet once a month and she checks in with me in between, and at our last session there were a few things I just hadn't got round to. Instead of having a go at me about it, she told me to book a day just for myself. No client calls. No emails. No distractions. Just me, a to-do list, and boundaries.

I decided to jump on the train to Sheffield. I love the vibe of that city — there's an energy about it that makes me feel like I can think straight. And honestly? It worked.

The things I got done might not look massive from the outside. But they'd been niggling me for weeks. Getting through them lifted something. That feeling of overwhelm that creeps up on you when you're running a business on your own — it eased off. My nervous system genuinely thanked me for it.

Running Honey Financial Solutions Ltd as an independent mortgage and protection adviser means I wear a lot of hats. Client work, compliance, marketing, admin — it all falls on me. Days like Friday remind me that looking after the business means looking after myself first.

If you run your own business and you've never had a CEO day — even just a few hours away from the usual noise — I'd really recommend it. It doesn't have to be grand. It just has to be yours.

19/05/2026

𝟱 𝘁𝗵𝗶𝗻𝗴𝘀 𝗜 𝘄𝗶𝘀𝗵 𝗲𝘃𝗲𝗿𝘆 𝗰𝗹𝗶𝗲𝗻𝘁 𝗸𝗻𝗲𝘄 𝗯𝗲𝗳𝗼𝗿𝗲 𝗮𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘂𝘀𝗶𝗻𝗴 𝗺𝗮𝗶𝗻𝘁𝗲𝗻𝗮𝗻𝗰𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 💙

Over the past few weeks, I've been sharing everything about maintenance payments and mortgages. Today, I want to pull it all together with five practical tips.

📄 1. Get it in writing — always
Get your maintenance arrangement documented in a financial consent order, if possible. Your family law solicitor can sort this. It's not just for the mortgage — it protects you long-term.

🏦 2. Keep your bank statements tidy
Lenders will look closely at your statements. Make sure maintenance payments show up regularly and are clearly labelled. Ask your ex to pay by bank transfer with a clear reference.

🔍 3. Not all lenders are the same
One lender might say no to your maintenance income. Another might be absolutely fine with it. Working with a specialist broker means finding the right lender for you — not just the first one who'll consider your application.

💷 4. Be realistic about affordability
Just because a lender will count your maintenance, it doesn't mean you should borrow to the maximum. Make sure your mortgage is something you can genuinely afford, even if payments slow down or stop.

⏰ 5. Get advice early
Don't wait until you've found a house. Get in touch early so we can work out what's possible, what evidence you'll need, and which lenders are worth approaching.

If you've been wondering whether keeping your home — or buying somewhere new — is possible after separation, let's have a free, no-obligation chat. I'd love to help you see what your options actually are. 💙

Full blog post; https://www.honeyfinancial.co.uk/maintenance-payments-and-mortgages-what-lenders-really-look-for/

A mortgage loan will be secured against your home or property.

18/05/2026

𝗔 𝗳𝗲𝘄 𝘄𝗲𝗲𝗸𝘀 𝗮𝗴𝗼, 𝗺𝗲 𝗮𝗻𝗱 𝗺𝘆 𝗵𝘂𝘀𝗯𝗮𝗻𝗱 𝘁𝗼𝗼𝗸 𝘁𝗵𝗲 𝗱𝗼𝗴𝘀 𝗼𝘂𝘁 𝗳𝗼𝗿 𝗮 𝘄𝗮𝗹𝗸 — but not our usual "mission to get the steps in" kind of walk. We actually slowed down. 🐾

We were taking in the countryside around us here in South Yorkshire, not rushing, not thinking about the next job on the list, just... looking around. And that's when my husband spotted something, only about 10 metres away from us.

A moment we would have completely missed if we'd been on our usual pace.
It made me think about how much of life we rush past. We're all at it — trying to get somewhere, tick something off, move on to the next thing. And sometimes it takes slowing down to realise what's been right there all along.

I spend my days helping people through some of life's biggest moments, and even I needed that reminder this week. 🌿

When did you last slow down enough to notice something like this?

Vicky | Honey Financial Solutions Ltd | South Yorkshire

Honey Financial Solutions

09/06/2026

08/06/2026

04/06/2026

03/06/2026

02/06/2026

01/06/2026

21/05/2026

20/05/2026

19/05/2026

18/05/2026

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