Learn the most common mortgage mistakes first time buyers and remortgagers make. Mortgage adviser Rachel and co-founder Matt explain why speaking to a broker early matters, how your credit score affects your mortgage application, and why the lowest interest rate is not always the cheapest deal once fees are involved. 

They also cover budgeting for stamp duty, solicitors fees and surveys, why comparison sites should not replace advice, and arranging protection alongside your mortgage. 

The Money Nest is the podcast from Heron Financial, a fee-free, whole-of-market, B Corp certified mortgage broker. For fee-free mortgage advice, speak to Heron. 

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

What if one of the most valuable employee benefits wasn’t private healthcare or gym memberships — but help getting onto the property ladder?

In this episode of The Money Nest, Kiah Foster sits down with Heron Financial founder Matt Coulson to explore how mortgage and financial wellbeing support is becoming an increasingly important employee benefit for businesses across the UK.

They discuss the impact rising housing costs and financial stress are having on employees, why so many people feel overwhelmed by the mortgage process, and how employers can support their teams through tailored mortgage education, webinars, and access to expert advice.

Matt also explains how Heron Financial works with businesses to deliver employee financial wellbeing programmes, why homeownership support can improve employee satisfaction and retention, and how better access to mortgage advice can genuinely change people’s lives.

Whether you’re an employer looking to support your workforce or an employee trying to better understand your options, this episode offers a practical look at the growing connection between financial wellbeing and the workplace.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

If your mortgage valuation comes back lower than expected, what does it actually mean, and what can you do about it?

In this episode of The Money Nest, Matt is joined by senior mortgage advisor Josh and case progression manager Rachel to break down how mortgage valuations work in simple terms. From understanding the difference between desktop and physical valuations to why new builds can sometimes be harder to value, they explain what’s really going on behind the scenes.

They also walk through what happens if your property is down valued, including your options, whether that’s trying another lender, increasing your deposit, renegotiating, or deciding if it’s the right property at all.

Most importantly, they explain why a valuation is just one opinion, how to approach the situation calmly, and how to avoid making emotional decisions that could impact you financially.

If you’re buying, remortgaging, or just want to understand the process better, this episode will help you feel more prepared for one of the most important steps in the mortgage journey.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

Technology and AI are transforming almost every industry, but what does that mean for mortgages?

In this episode of The Money Nest, Kiah Foster sits down with Heron Financial founder Matt Coulson to explore how technology is reshaping the mortgage journey. From building Heron’s custom platform Everglades to introducing AI tools that support advisors and improve client experiences, Matt explains why innovation has always been central to the way the business operates.

They discuss how better technology can streamline the mortgage process, improve transparency for clients and partners, and reduce the repetitive admin that often slows everything down. But despite rapid advances in AI, one thing remains clear: expert human advice still sits at the heart of good mortgage decisions.

Matt also shares his perspective on where the industry is heading, why advisors who embrace AI will outperform those who don’t, and how Heron Financial is preparing its team to work alongside new technologies through AI training and apprenticeships.

If you’re curious about the future of mortgages, digital advice, and how AI is really being used in financial services today, this episode offers an honest look behind the scenes.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

In this episode of the Heron Financial Podcast, Matt is joined by Senior Mortgage Adviser Josh to answer one of the biggest questions homeowners have: when should you remortgage, and how do you avoid overpaying? 

They break down why it often makes sense to start planning around 7 months before your current deal ends, what actually happens if you do nothing and roll onto a lender’s standard variable rate, and how a remortgage can be used as a wider financial reset — from changing your term and monthly payments to borrowing for home improvements or a future move. 

Josh explains how the process works in practice, why remortgaging is usually simpler than buying, what to know about fees and legal work, and how lenders are increasingly rewarding energy-efficient “green” homes with improved affordability and product options. He also shares real examples of clients who’ve saved money by acting early, as well as those who unknowingly spent thousands more by staying on the wrong deal. 

If your mortgage deal ends in the next 6–18 months, or you’re just not sure what you’re currently paying, this episode will help you understand your options and plan smarter.

This podcast provides general information, not personal advice. Recommendations depend on your circumstances and lender criteria.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

In this episode of the Heron Financial Podcast, we go back to the beginning.

Founder Matt Coulson reflects on building Heron Financial from a two-person startup in 2011 into a firm trusted by thousands of mortgage and protection clients — while maintaining consistent 5-star reviews across Trustpilot and Google for over 14 years.

We discuss what actually creates long-term trust in financial services: why service had to come before scale, how culture became a competitive advantage, and how the business navigated financial crises, regulatory change, and rapid advances in technology without losing its identity.

Matt also shares Heron’s approach to ethical AI adoption, why people development has always mattered more than short-term growth, and what the next chapter looks like for a people-first financial services firm.

This episode is a candid founder story about resilience, responsibility, and building a business that lasts.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

Richard Campo (Head of Growth) is back to talk about the Bank of England reducing rates by 0.25% to 4.25%. 

In this episode he talks over:

• What we can read from the voting which was more interesting than expected
• What impact the trade wars/tariffs have had on interest rates in the UK
• What todays cut means in money markets
• Ultimately how this affects mortgage pricing

We hope you enjoy listening and you find it more interesting than Richard's dog snoring away in the background!

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

Despite being billed as 'awful April' there were a number of positive updates in the Mortgage and Property world. Matt Coulson (Founder) and Richard Campo (Head of Growth) talk over these headlines in more details:

• Lenders offering larger loans, with one going to 7 x income!
• Inflation fell
• Property Prices are on the up

So to see what all that means and how it affects mortgage pricing and money markets, we hope you enjoy the listen

If you prefer, you can also read the text update HERE

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

In the latest edition of the Heron Financial podcast, Matt (Founder) and Richard (Head of Growth) talk over the topical points in the mortgage world. Key themes are:

• The Spring Statement - How Labour plans to 'Get Britain Building'
• Inflation comes down to 2.8%
• Mortgage Product choice goes to a record level of 25,090

So for that, and a meaty conversation on the benefits to both the Economy and individuals of home ownership, we hope you enjoy the episode

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

While a hold from the Bank of England (at 4.5%) was widely predicted, Matt Coulson (Founder) and Richard Campo (Head of Growth) look at depth at the Minutes from the Bank of England to understand things like:

• What impact this will have on mortgage rates?
• Where inflation is going and how that impact the Bank of England?
• How the uncertainty in global markets impacts the UK?
• How does the Bank of England balance slowing growth with rising inflation?

So for that and a lot more besides, we hope you enjoy the podcast

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/