The Mortgage System Wasn’t Built for People Like You And that’s not a criticism of you There’s a sentence I find myself saying more often than you might expect: “You’re not failing the mortgage system. The system just hasn’t caught up with people like you.” When I say that, I often see shoulders drop. Sometimes […]
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The “Disposable High-Earner” Contractor: Why Strong Incomes Still Get Treated Like a Risk If you’re a contractor earning very good money and still being made to feel like a second-class borrower, you’re not imagining it. I see this all the time. People come to me with solid day rates, years of contracting behind them, healthy
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The Budget Highlights: Stability Over Shock Hello, it’s Ian Rogers here. Grab a cuppa and let’s talk shop for a moment. The dust has finally settled on Rachel Reeves’ Autumn Budget from last Wednesday, and I know many of you have been holding your breath. In the weeks leading up to the 26th, my phone
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Every time a Budget approaches, my phone starts lighting up like a Christmas tree in June. Buyers wondering if they should “wait and see”, homeowners asking if now is the moment to remortgage, and a few who simply want to know whether things are about to get easier or harder. And honestly? I get it.
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South Wales on the Move: Why Now Feels Like the Right Time to Get Ready Hello, it’s Ian Rogers here. Grab a cuppa and let’s talk shop for a moment. In the fast-paced world of national property headlines, it’s easy to see a market that looks a bit shaky. You hear about the doom and
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Taking the Temperature: What the Last Seven Days Tell Us About the UK Property Market Hello everyone, Ian Rogers here. I hope you’re keeping warm as the year starts to wind down! It’s been an interesting week in the world of mortgages and property, to say the least. When I look at the headlines, I
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Improved Mortgage Market Conditions – A Welcome Shift for Homeowners and Buyers By Ian Rogers – C A Mortgages After what has felt like a long stretch of uncertainty, there’s finally some steadying in the mortgage market – and not before time. Over recent weeks, several lenders have trimmed rates across their fixed-rate products, following
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I’ll be honest with you — I’ve sat with a lot of people who thought they were protected. They’d say, “We sorted our life cover years ago, Ian. It’s all in place.”Then we’d pull out the paperwork, look through it together, and a quiet look would cross their face — that mix of surprise and
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Why I’m Talking to Clients About Solar and Air-to-Air Heat Pumps Across Europe — and right here in South Wales and the West — our summers are becoming hotter, longer, and far less predictable. Anyone living in Cardiff, Newport, Bristol, or along the coastal stretch through the Vale of Glamorgan and Monmouthshire will have felt
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Life Assurance & Peace of Mind | South Wales Advisor I often think about the moments that matter most in life—the warm glow of a Sunday roast with family gathered around the table, the sound of children’s laughter carrying through the hallway, the simple comfort of knowing that, for now, all is well. These are
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