In a packed Mortgage Market update, Matt Coulson (Founder) talks to Richard Campo (Head of Growth) about:

• Heron being signed off as B Corp firm
• Reaction to the Bank of England cutting rates to 4.5%
• How the rate reductions and B Corp all tie into how mortgages are priced
• Increased availability of mortgage products for both small deposits and Buy To Let

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

For more information on B Corp you can see our new page on the topic - https://heronfinancial.co.uk/certified-b-corporation/

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 Kia Foster (Partnership Sales Manager at MAB) talks to Matt Coulson (Founder) about Heron Financial's recent achievement of B Corp certification. They taklk over what B Corp certification entails, including adherence to high social and environmental standards, transparency, and accountability. Matt shares insights into the rigorous journey his team undertook to achieve this certification, emphasizing the importance of sustainability and commitment to stakeholders beyond just shareholders.

He highlights the ongoing nature of maintaining B Corp status, where businesses must continually meet standards and work towards improving their social and environmental impact. Furthermore, Matt notes the significance of the certification for clients and partners, indicating that it reflects a company's dedication to being a responsible business.

For more information, please visit the Heron Financial website page on this topic - https://heronfinancial.co.uk/certified-b-corporation/ or you can follow us on social media. Look out for our monthly emails that will further discuss this journey and insights into the mortgage market.

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 reaction to the Bank of England reducing rates by 0.25% to 4.5%, Matt Coulson (Founder at Heron) and Richard Campo (Head of Growth) talk over what this means for the mortgage market. Key themes are:

• What impact will this have on mortgage rates?
• How have money markets reacted?
• If rates reduce, can I get a lower rate on an active application?
• What does this mean for longer term interest rates and the cost of mortgages?

For that and a lot more, we hope you enjoying listening.

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 Matt (founder of Heron) and Richard (Head of Growth) talk over why they are seeing an extremely busy start the year!
Main themes are:
- Why mortgage pricing has been so volatile?
- Is the Bank of England going to cut rates or not in February?
- What impact has this had on mortgage pricing?
So for this and a lot more, we hope you enjoy this 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/

In this episode, Matt (Founder) and Richard (Head of Growth) from Heron Financial talk over what we saw in 2024 and a look ahead into 2025. Such as:
The key themes of 2024:
- The VUCA Environment, Inflation, Political instability/uncertainty

2025 Predictions:
Where will the following be by the end of December '25:
- Bank Of England Base Rate
- House Prices increases or decreases?
- How many lenders will use EPCs in Affordability Calculations
- How many new homes built?
- GDP?

Also capping off with a look at Money Market Rates

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 update Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, (Head of Growth) to discuss the three most topical points in the mortgage market, which are:
- Tariffs
- Tracker
- Tax

With a complex mortgage picture of the Bank of England cutting rates, but yet mortgage rates (specifically Fixed Rate products) increasing, it is a very hard time to navigate the market

Plus a few tangents...

To receive this monthly update as an email ahead of time, you can subscribe HERE

We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

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

Matt Coulson (Founder of Heron) and Richard Campo (Head of Growth) talk over their immediate reaction to the Bank of England cutting rates from 5% down to 4.75% today. Covering topics such as:

• Why are Fixed Rate mortgages going up when the Bank of England are cutting rates?
• What impact this has had on money markets?
• How this impacts the different type of mortgage products such as:
  • Trackers | Fixed Rates | Discount Rates
• Why the UK Budget and US Election results are inflationary?
• Why house prices

They aim to answer to these questions and a lot more besides. Hope you enjoy the listen.

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 update Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, (Head of Growth) to discuss:
- Brief recap of the Budget
- What impact the Budget will have on mortgage rates
- Where the Base Rate may head too

Plus a few tangents...

To receive this monthly update as an email ahead of time, you can subscribe HERE

We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

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/

Matt & Richard get into the detail of the budget, specifically looking into the aspects that will impact the Mortgage/Property world. Main topics covered were:

• Stamp Duty on 2nd Homes up to 5%, now in effect
• £5 Billion of Funding in the housing sector
• Right To Buy Discounts 'reduced'
• Capital Gains Tax increases (but remains free on your residential property)
• Abolition of Non-Dom status
• Change to definition of 'debt'
  • The big rabbit out the hat moment

So for that, and a lot more, 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/

In this update Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, (Head of Growth) to discuss:
- Long term trends in House Prices and why they rise above inflation
- Have interest rates bottomed out and what is driving this?

To receive this monthly update as an email ahead of time, you can subscribe HERE

The Article Richard was quoted in can also be found here - Are mortgage rates going to rise - Again!

We hope you enjoy this and as ever, any feedback or questions, please do not hesitate to get in touch

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/