Citrus Financial Management

01/09/2026

So this was sent to me earlier. It’s like “spot the ball” but “spot the David”

20/08/2026

Good luck to everyone receiving their GCSE results today.

It’s a big day, and it’s completely normal to feel nervous, excited, worried. Or all three at once.

Whatever the results say, remember this: they are part of your story, not the whole of it. There are always next steps, options and people who can help you find the right path.

Well done for getting this far and we hope you get the results you’re hoping for.

14/08/2026

Think buying your first home is still years away?

It’s easy to rule yourself out because you assume your deposit isn’t big enough or your income won’t stretch to the mortgage you need. But lenders don’t all assess borrowers in the same way. The options available to first-time buyers have been changing.

In our latest article, Mortgage & Protection Adviser Nicky Kirton looks at why some first-time buyers could be closer to buying than they think.

Read more: https://citrusfinancial.co.uk/mortgages-closer-to-buying-your-first-home-than-you-think/

13/08/2026

A Level results day

Wishing everyone receiving their A Level results today the very best of luck.

Whatever is inside that envelope, email or screen, take a breath.

Results matter, of course they do, but they are not the whole story. There are always options, different routes and people ready to help you work out what comes next.

To students, parents, carers and teachers, we hope today brings good news, relief, and maybe a little celebration too.

And if it doesn’t go quite to plan, don’t panic. One set of results does not define your future.

07/08/2026

Mortgage rates haven't changed... so why are some lenders putting theirs up?

It's a question we're hearing more often, and the answer isn't always straightforward.

In this month's Citrus Mortgage Bites, Richard Harris is joined by Mortgage & Protection Adviser Steve Ody to explain:

✅ Why fixed mortgage rates don't always follow the Bank of England Base Rate

✅ Why lenders have recently increased some mortgage rates

✅ What homeowners should do if their fixed-rate deal is ending soon

✅ Why speaking to a mortgage adviser early can give you more options

If your mortgage deal ends this year, or you simply want to understand what's happening in today's market, this episode is well worth a watch.

🎥 Watch the latest Citrus Mortgage Bites here: https://citrusfinancial.co.uk/mortgage-rates-should-you-fix-now-or-wait/

24/07/2026

Some buyers and homeowners are putting their plans on hold while they wait for mortgage rates to become more stable.

But with rates, lender pricing and the wider economy all difficult to predict, is waiting always the right approach?

In our latest article, Mortgage & Protection Adviser Steve Ody looks at the factors worth considering before deciding whether to move ahead, prepare for later or simply keep your options under review.

Read the article: https://citrusfinancial.co.uk/should-you-wait-for-mortgage-rates-to-settle/

Unsure whether to buy, move or remortgage now? Steve Ody explains why understanding your options may be more useful than waiting for mortgage rates to settle.

21/07/2026

A very sad and difficult story on BBC South East News today, looking at the impact delays to Civil Service Pension Scheme payments are having on real families.

David Braithwaite was invited to provide expert comment on why pension delays can cause such distress, particularly when people are already dealing with bereavement, retirement decisions or financial uncertainty.

Pensions are not just paperwork. For many people, they are income, security and peace of mind at some of the most important moments in life.

You can watch the BBC report here:

The latest news, sport, weather and features from the South East of England.

17/07/2026

Mortgage rates are rarely out of the headlines at the moment, and for anyone buying, moving or coming to the end of a fixed-rate deal, it can feel difficult to know what to do next.

In our article, we share five practical things to think about before choosing your next mortgage.

Read the full article here: https://citrusfinancial.co.uk/mortgage-advice-uncertain-market/

15/07/2026

Huge congratulations to Karen Gorbutt and Patricia Harris, who have both been shortlisted for the Women In Financial Advice Awards 2026.

Karen has been shortlisted for Financial Adviser of the Year – South East, and Patricia for Woman of the Year – Paraplanner.

With more than 1,150 women from 450 firms nominated this year, being finalists is a fantastic achievement and recognition of the brilliant work they both do for our clients, our team and the wider financial advice profession.

We’re incredibly proud of them both.

15/06/2026

We’re looking for a friendly, organised Client Services Administration Assistant to join our lovely team near Sevenoaks.

This is a full-time, office-based role and a fantastic opportunity for someone who enjoys working with people, takes pride in great service, and is looking for a new challenge.

You’ll be one of the first people our clients speak to, so we’re looking for someone warm, capable and ready to get stuck in.

There’s also scope to build a longer-term career in financial services for the right person.

Find out more on our website: https://citrusfinancial.co.uk/client-services-administrator-job-sevenoaks/

We’re . Know anyone who might be interested?