Campden Financial

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Campden Financial Independent Mortgage, Equity Release & Protection Specialists in the North Cotswolds. FCA 974730.

Campden Financial is an appointed representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority.

๐Ÿฉบ ๐‚๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ˆ๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐‚๐จ๐ฏ๐ž๐ซ ๐ฏ๐ฌ ๐ˆ๐ง๐œ๐จ๐ฆ๐ž ๐๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง: ๐–๐ก๐š๐ญ'๐ฌ ๐ญ๐ก๐ž ๐ƒ๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž?They both provide financial support when illness af...
24/10/2026

๐Ÿฉบ ๐‚๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ˆ๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐‚๐จ๐ฏ๐ž๐ซ ๐ฏ๐ฌ ๐ˆ๐ง๐œ๐จ๐ฆ๐ž ๐๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง: ๐–๐ก๐š๐ญ'๐ฌ ๐ญ๐ก๐ž ๐ƒ๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž?
They both provide financial support when illness affects your life, but they protect you in different ways.

๐Ÿฉบ Critical Illness Cover
If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

๐Ÿ’ท You could use it to:
โ€ข Pay off or reduce your mortgage
โ€ข Cover household bills
โ€ข Make changes to your home
โ€ข Take time away from work
โ€ข Help with recovery costs

๐Ÿ’ผ Income Protection
If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

๐Ÿ’ท It can help with:
โ€ข Mortgage or rent
โ€ข Household bills
โ€ข Everyday living costs
โ€ข Family commitments

๐“๐ก๐ข๐ง๐ค ๐จ๐Ÿ ๐ข๐ญ ๐ญ๐ก๐ข๐ฌ ๐ฐ๐š๐ฒ:
๐Ÿฉบ ๐‚๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ˆ๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐‚๐จ๐ฏ๐ž๐ซ = ๐€ ๐ฅ๐ฎ๐ฆ๐ฉ ๐ฌ๐ฎ๐ฆ ๐Ÿ๐จ๐ฅ๐ฅ๐จ๐ฐ๐ข๐ง๐  ๐š ๐œ๐จ๐ฏ๐ž๐ซ๐ž๐ ๐๐ข๐š๐ ๐ง๐จ๐ฌ๐ข๐ฌ.
๐Ÿ’ผ ๐ˆ๐ง๐œ๐จ๐ฆ๐ž ๐๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง = ๐€๐ง ๐ข๐ง๐œ๐จ๐ฆ๐ž ๐ข๐Ÿ ๐ฒ๐จ๐ฎ'๐ซ๐ž ๐ฎ๐ง๐š๐›๐ฅ๐ž ๐ญ๐จ ๐ฐ๐จ๐ซ๐ค ๐๐ฎ๐ž ๐ญ๐จ ๐ฌ๐ข๐œ๐ค๐ง๐ž๐ฌ๐ฌ.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

๐Ÿ“ž Not sure which type of protection is right for you? Speak to us for a protection review.

๐Ÿ’ผ ๐’๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐? ๐˜๐จ๐ฎ๐ซ ๐ข๐ง๐œ๐จ๐ฆ๐ž ๐ข๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌโ€™๐ฌ ๐›๐ข๐ ๐ ๐ž๐ฌ๐ญ ๐š๐ฌ๐ฌ๐ž๐ญIf you're self-employed, what happens when you can't work?U...
22/10/2026

๐Ÿ’ผ ๐’๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐? ๐˜๐จ๐ฎ๐ซ ๐ข๐ง๐œ๐จ๐ฆ๐ž ๐ข๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌโ€™๐ฌ ๐›๐ข๐ ๐ ๐ž๐ฌ๐ญ ๐š๐ฌ๐ฌ๐ž๐ญ
If you're self-employed, what happens when you can't work?

Unlike employees, you don't receive Statutory Sick Pay. That means if illness or injury keeps you away from work, your income could stop, but your financial commitments won't.

๐Ÿ  Mortgage or rent
๐Ÿ’ก Household bills
๐Ÿš Vehicle and business costs
๐Ÿ›’ Everyday living expenses
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง Family commitments

For employees, eligible workers can receive up to ยฃ123.25 a week in Statutory Sick Pay from April 2026.

๐…๐จ๐ซ ๐ญ๐ก๐ž ๐ฌ๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐?
ยฃ๐ŸŽ ๐’๐’๐.

๐“๐ก๐š๐ญ'๐ฌ ๐ฐ๐ก๐ฒ ๐ˆ๐ง๐œ๐จ๐ฆ๐ž ๐๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง ๐œ๐š๐ง ๐›๐ž ๐ฉ๐š๐ซ๐ญ๐ข๐œ๐ฎ๐ฅ๐š๐ซ๐ฅ๐ฒ ๐ฏ๐š๐ฅ๐ฎ๐š๐›๐ฅ๐ž ๐Ÿ๐จ๐ซ ๐ฌ๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ.

๐Ÿ’ท It can provide a regular monthly income if illness or injury means you're unable to work, helping you continue to meet your financial commitments while you recover.

You are the engine behind your business. If you can't work, what protects your income?

๐Ÿ“ž Don't leave your biggest financial asset unprotected. Speak to us about Income Protection and find out how much of your income you could protect.

๐Ÿšจ ๐“๐ž๐ซ๐ฆ๐ข๐ง๐š๐ฅ ๐ˆ๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐‚๐จ๐ฏ๐ž๐ซ ๐ฏ๐ฌ ๐‚๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ˆ๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐‚๐จ๐ฏ๐ž๐ซ๐Ÿค” They sound similarโ€ฆ but theyโ€™re NOT the same!One of the biggest misc...
20/10/2026

๐Ÿšจ ๐“๐ž๐ซ๐ฆ๐ข๐ง๐š๐ฅ ๐ˆ๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐‚๐จ๐ฏ๐ž๐ซ ๐ฏ๐ฌ ๐‚๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ˆ๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐‚๐จ๐ฏ๐ž๐ซ

๐Ÿค” They sound similarโ€ฆ but theyโ€™re NOT the same!

One of the biggest misconceptions about personal protection is that terminal illness cover and critical illness cover are basically the same thing.

โŒ ๐Œ๐˜๐“๐‡: โ€œ๐ˆ๐Ÿ ๐ˆ ๐ก๐š๐ฏ๐ž ๐ญ๐ž๐ซ๐ฆ๐ข๐ง๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐œ๐จ๐ฏ๐ž๐ซ, ๐ˆ ๐๐จ๐ง'๐ญ ๐ง๐ž๐ž๐ ๐œ๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐œ๐จ๐ฏ๐ž๐ซ.โ€
๐Ÿ‘‰ ๐…๐€๐‚๐“: ๐“๐ก๐ž๐ฒ ๐ฉ๐ซ๐จ๐ญ๐ž๐œ๐ญ ๐ฒ๐จ๐ฎ ๐š๐ ๐š๐ข๐ง๐ฌ๐ญ ๐ฏ๐ž๐ซ๐ฒ ๐๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐ญ ๐ฌ๐ข๐ญ๐ฎ๐š๐ญ๐ข๐จ๐ง๐ฌ.

โค๏ธ TERMINAL ILLNESS COVER
Usually included as part of a life insurance policy.
It can allow your life insurance benefit to be paid early if you're diagnosed with a terminal illness that meets the policy definition, typically where you're expected to die within 12 months. Think of it as accessing your life cover early.

๐Ÿฉบ CRITICAL ILLNESS COVER
Can pay a lump sum if you're diagnosed with a specific critical illness covered by your policy, such as certain cancers, heart attacks or strokes. The important point? You don't necessarily need to be terminally ill. You could receive a critical illness pay out and go on to recover or live for many years.

๐Ÿ’ก ๐Œ๐˜๐“๐‡: โ€œ๐‚๐š๐ง๐œ๐ž๐ซ ๐ฆ๐ž๐š๐ง๐ฌ ๐ˆ'๐ฅ๐ฅ ๐š๐ฎ๐ญ๐จ๐ฆ๐š๐ญ๐ข๐œ๐š๐ฅ๐ฅ๐ฒ ๐ซ๐ž๐œ๐ž๐ข๐ฏ๐ž ๐š ๐œ๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐ฉ๐š๐ฒ ๐จ๐ฎ๐ญ.โ€
โŒ ๐๐จ๐ญ ๐ง๐ž๐œ๐ž๐ฌ๐ฌ๐š๐ซ๐ข๐ฅ๐ฒ.
Critical illness policies have specific definitions, and the type or severity of cancer covered can vary between insurers. Always check the policy wording.

๐Ÿ’ก ๐Œ๐˜๐“๐‡: โ€œ๐“๐ž๐ซ๐ฆ๐ข๐ง๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐œ๐จ๐ฏ๐ž๐ซ ๐ ๐ข๐ฏ๐ž๐ฌ ๐ฆ๐ž ๐ž๐ฑ๐ญ๐ซ๐š ๐ฆ๐จ๐ง๐ž๐ฒ ๐จ๐ง ๐ญ๐จ๐ฉ ๐จ๐Ÿ ๐ฆ๐ฒ ๐ฅ๐ข๐Ÿ๐ž ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž.โ€
โŒ ๐”๐ฌ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐ง๐จ๐ญ.
It is generally an early payment of the life insurance benefit, so once paid, the life cover normally ends.

๐Ÿ›ก๏ธ THE BOTTOM LINE

Terminal Illness Cover = Protection if you're diagnosed with a terminal condition.
Critical Illness Cover = Protection if you're diagnosed with a specified serious condition covered by the policy.

They can work alongside each other because they protect against different financial risks.

๐Ÿ“ž Not sure what your current protection actually covers?
A protection review could help identify any gaps before you need to make a claim.

Definitions, conditions, exclusions and claim requirements vary between providers. Critical illness cover only pays where the policy definition is met. Always check the relevant policy terms and conditions.

๐Ÿค” ๐–๐ก๐ฒ ๐ƒ๐จ ๐˜๐จ๐ฎ ๐๐ž๐ž๐ ๐€๐ง ๐€๐๐ฏ๐ข๐ฌ๐ž๐ซ ๐“๐จ ๐‚๐ก๐จ๐จ๐ฌ๐ž ๐˜๐จ๐ฎ๐ซ ๐๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง?You wouldnโ€™t necessarily choose a mortgage by picking the first o...
18/10/2026

๐Ÿค” ๐–๐ก๐ฒ ๐ƒ๐จ ๐˜๐จ๐ฎ ๐๐ž๐ž๐ ๐€๐ง ๐€๐๐ฏ๐ข๐ฌ๐ž๐ซ ๐“๐จ ๐‚๐ก๐จ๐จ๐ฌ๐ž ๐˜๐จ๐ฎ๐ซ ๐๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง?
You wouldnโ€™t necessarily choose a mortgage by picking the first one you see. So why choose your personal protection that way? There isnโ€™t a โ€œone policy fits everyoneโ€ approach.

An adviser can help you understand:
โค๏ธ ๐‹๐ข๐Ÿ๐ž ๐‚๐จ๐ฏ๐ž๐ซ โ€“ How much your family might actually need and for how long.
๐Ÿฉบ ๐‚๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ˆ๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐‚๐จ๐ฏ๐ž๐ซ โ€“ What conditions are covered, how theyโ€™re defined and what the policy could pay out for.
๐Ÿ’ท ๐ˆ๐ง๐œ๐จ๐ฆ๐ž ๐๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง โ€“ How much of your income could be protected, when payments could start and how long they could continue.

๐Ÿ” ๐“๐ก๐ž ๐ฌ๐ฆ๐š๐ฅ๐ฅ ๐ฉ๐ซ๐ข๐ง๐ญ ๐ฆ๐š๐ญ๐ญ๐ž๐ซ๐ฌ.

Two policies can look similar on the surface but have very different definitions, exclusions, benefits and underwriting. And then thereโ€™s your personal circumstances: your income, family, debts, health, occupation and future plans.

A good adviser doesn't just ask: โ€œHow much cover do you want?โ€
They ask: ๐Ÿ‘‰ โ€œWhat are you actually trying to protect?โ€

Because choosing the cheapest policy isn't always the same as choosing the right policy.
๐Ÿ’ก Protection is too important to leave to guesswork.

๐Ÿ‘‰ Please get in touch to explore your options.
[email protected] ๐Ÿ“ง
01386 303000๐Ÿ“ž

๐Ÿ  When Life Changes, Your Mortgage Options Can TooGoing through a divorce or separation can bring a lot of uncertainty, ...
16/10/2026

๐Ÿ  When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:
โ€ข Can I afford to stay in my home?
โ€ข Can I take the mortgage on by myself?
โ€ข Could a family member help me with affordability?
โ€ข What could I afford if I need to buy somewhere new?

Even if the numbers donโ€™t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, I can look across different lenders to find the right solution for your circumstances, including:
โ€ข Lenders that allow family members to boost your affordability with their income
โ€ข Lenders offering stronger income multiples, which could increase how much youโ€™re able to borrow
โ€ข More flexible approaches to different types of income
โ€ข Interest-only or part-and-part options where appropriate
โ€ข Competitive mortgage rates from across the market

Every situation is different. Before assuming youโ€™ll need to sell your home or that a mortgage wonโ€™t be affordable on one income, itโ€™s worth finding out what could be possible.

๐Ÿ“ฉ If youโ€™re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. ๐Ÿ’ฌ



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

16/10/2026

๐Ÿ  ๐—ช๐—ต๐—ฒ๐—ป ๐—Ÿ๐—ถ๐—ณ๐—ฒ ๐—–๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐˜€, ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ข๐—ฝ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—–๐—ฎ๐—ป ๐—ง๐—ผ๐—ผ

๐—š๐—ผ๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฟ๐—ผ๐˜‚๐—ด๐—ต ๐—ฎ ๐—ฑ๐—ถ๐˜ƒ๐—ผ๐—ฟ๐—ฐ๐—ฒ ๐—ผ๐—ฟ ๐˜€๐—ฒ๐—ฝ๐—ฎ๐—ฟ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฐ๐—ฎ๐—ป ๐—ฏ๐—ฟ๐—ถ๐—ป๐—ด ๐—ฎ ๐—น๐—ผ๐˜ ๐—ผ๐—ณ ๐˜‚๐—ป๐—ฐ๐—ฒ๐—ฟ๐˜๐—ฎ๐—ถ๐—ป๐˜๐˜†, ๐—ฝ๐—ฎ๐—ฟ๐˜๐—ถ๐—ฐ๐˜‚๐—น๐—ฎ๐—ฟ๐—น๐˜† ๐˜„๐—ต๐—ฒ๐—ป ๐—ถ๐˜ ๐—ฐ๐—ผ๐—บ๐—ฒ๐˜€ ๐˜๐—ผ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ.

You might be wondering:
โ€ข Can I afford to stay in my home?
โ€ข Can I take the mortgage on by myself?
โ€ข Could a family member help me with affordability?
โ€ข What could I afford if I need to buy somewhere new?

Even if the numbers donโ€™t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, we can look across different lenders to find the right solution for your circumstances, including:
โ€ข Lenders that allow family members to boost your affordability with their income
โ€ข Lenders offering stronger income multiples, which could increase how much youโ€™re able to borrow
โ€ข More flexible approaches to different types of income
โ€ข Interest-only or part-and-part options where appropriate
โ€ข Competitive mortgage rates from across the market

Every situation is different. Before assuming youโ€™ll need to sell your home or that a mortgage wonโ€™t be affordable on one income, itโ€™s worth finding out what could be possible.

๐Ÿ“ฉ If youโ€™re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. ๐Ÿ’ฌ



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

๐Ÿ” ๐—ช๐—ต๐—ฒ๐—ป ๐—ฑ๐—ถ๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—น๐—ฎ๐˜€๐˜ ๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ ๐˜„๐—ต๐—ฎ๐˜ ๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—ฏ๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—ฐ๐—ผ๐—บ๐—ฒ ๐˜„๐—ถ๐˜๐—ต ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ?You might be paying for protection every monthโ€ฆ b...
14/10/2026

๐Ÿ” ๐—ช๐—ต๐—ฒ๐—ป ๐—ฑ๐—ถ๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—น๐—ฎ๐˜€๐˜ ๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ ๐˜„๐—ต๐—ฎ๐˜ ๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—ฏ๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€ ๐—ฐ๐—ผ๐—บ๐—ฒ ๐˜„๐—ถ๐˜๐—ต ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ?
You might be paying for protection every monthโ€ฆ but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:
๐Ÿฉบ ๐Ÿฎ๐Ÿฐ/๐Ÿณ ๐—š๐—ฃ ๐—ฎ๐—ฝ๐—ฝ๐—ผ๐—ถ๐—ป๐˜๐—บ๐—ฒ๐—ป๐˜๐˜€
๐Ÿฅ ๐—›๐—ผ๐˜€๐—ฝ๐—ถ๐˜๐—ฎ๐—น ๐—ฏ๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜ โ€“ ๐—ฎ ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚โ€™๐—ฟ๐—ฒ ๐—ฎ๐—ฑ๐—บ๐—ถ๐˜๐˜๐—ฒ๐—ฑ ๐˜๐—ผ ๐—ต๐—ผ๐˜€๐—ฝ๐—ถ๐˜๐—ฎ๐—น
๐Ÿฆด ๐—™๐—ฟ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฟ๐—ฒ ๐—ฐ๐—ผ๐˜ƒ๐—ฒ๐—ฟ โ€“ ๐—ฎ ๐—น๐˜‚๐—บ๐—ฝ-๐˜€๐˜‚๐—บ ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜ ๐—ณ๐—ผ๐—ฟ ๐—ฐ๐—ฒ๐—ฟ๐˜๐—ฎ๐—ถ๐—ป ๐—ณ๐—ฟ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฟ๐—ฒ๐˜€
๐Ÿง  ๐— ๐—ฒ๐—ป๐˜๐—ฎ๐—น ๐—ต๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐˜€๐˜‚๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜
๐Ÿ’ช ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต & ๐˜„๐—ฒ๐—น๐—น๐—ฏ๐—ฒ๐—ถ๐—ป๐—ด ๐˜€๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ๐˜€
๐Ÿ‘จโ€โš•๏ธ ๐—ฆ๐—ฒ๐—ฐ๐—ผ๐—ป๐—ฑ ๐—บ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—น ๐—ผ๐—ฝ๐—ถ๐—ป๐—ถ๐—ผ๐—ป๐˜€
๐Ÿ’ป ๐—ฅ๐—ฒ๐—บ๐—ผ๐˜๐—ฒ ๐—บ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—น ๐—ฐ๐—ผ๐—ป๐˜€๐˜‚๐—น๐˜๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง ๐—ฆ๐˜‚๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜ ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ฎ๐—บ๐—ถ๐—น๐˜†
๐ŸŽ ๐—Ÿ๐—ถ๐—ณ๐—ฒ๐˜€๐˜๐˜†๐—น๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐˜„๐—ฒ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ ๐—ฏ๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€

๐—”๐—ป๐—ฑ ๐˜๐—ต๐—ฒ ๐—ฏ๐—ฒ๐˜€๐˜ ๐—ฝ๐—ฎ๐—ฟ๐˜? ๐—ฌ๐—ผ๐˜‚ ๐—บ๐—ฎ๐˜† ๐—ฎ๐—น๐—ฟ๐—ฒ๐—ฎ๐—ฑ๐˜† ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐—ฎ๐—ฐ๐—ฐ๐—ฒ๐˜€๐˜€ ๐˜๐—ผ ๐˜€๐—ผ๐—บ๐—ฒ ๐—ผ๐—ณ ๐˜๐—ต๐—ฒ๐˜€๐—ฒ ๐—ฏ๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐˜๐˜€.

๐Ÿ“‹ When was the last time you checked your policy?

We can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

๐Ÿ‘‰ Get in touch today and letโ€™s check what benefits your insurance could provide โ€“ you might be surprised by whatโ€™s included.

๐Ÿก ๐—–๐—ผ๐˜‚๐—น๐—ฑ ๐—ฎ ๐Ÿฎ.๐Ÿฑ% ๐—ฑ๐—ฒ๐—ฝ๐—ผ๐˜€๐—ถ๐˜ ๐—ฏ๐—ฒ ๐—ฒ๐—ป๐—ผ๐˜‚๐—ด๐—ต ๐˜๐—ผ ๐—ฏ๐˜‚๐˜† ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜ ๐—ต๐—ผ๐—บ๐—ฒ?The Government has announced plans for Your First Home: a new sc...
12/10/2026

๐Ÿก ๐—–๐—ผ๐˜‚๐—น๐—ฑ ๐—ฎ ๐Ÿฎ.๐Ÿฑ% ๐—ฑ๐—ฒ๐—ฝ๐—ผ๐˜€๐—ถ๐˜ ๐—ฏ๐—ฒ ๐—ฒ๐—ป๐—ผ๐˜‚๐—ด๐—ต ๐˜๐—ผ ๐—ฏ๐˜‚๐˜† ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜ ๐—ต๐—ผ๐—บ๐—ฒ?
The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers. The proposed scheme could mean:
๐Ÿ”‘ Just a 2.5% deposit
๐Ÿ  20% government-backed equity loan
๐Ÿ’ท A mortgage for the remaining amount

So, on a ยฃ300,000 new build, your own deposit could be just ยฃ7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

๐Ÿ“… The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.

And thatโ€™s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. ๐Ÿ”‘

There are other options too, including 95%โ€“100% mortgages, family assisted products and developer incentives, so donโ€™t assume buying is out of reach just because you have a smaller deposit.

๐Ÿ“ฉ Thinking about buying your first home? Drop me a message and letโ€™s look at what could be possible.

Full scheme details and eligibility are still to be confirmed.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

๐Ÿ  ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฃ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜ ๐—›๐—ฎ๐˜€ ๐—œ๐—ป๐—ฐ๐—ฟ๐—ฒ๐—ฎ๐˜€๐—ฒ๐—ฑ. ๐—•๐˜‚๐˜ ๐—ช๐—ต๐—ฎ๐˜ ๐—œ๐—ณ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—œ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ ๐——๐—ถ๐—ฑ๐—ปโ€™๐˜?With mortgage payments putting more pressure on ho...
10/10/2026

๐Ÿ  ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฃ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜ ๐—›๐—ฎ๐˜€ ๐—œ๐—ป๐—ฐ๐—ฟ๐—ฒ๐—ฎ๐˜€๐—ฒ๐—ฑ. ๐—•๐˜‚๐˜ ๐—ช๐—ต๐—ฎ๐˜ ๐—œ๐—ณ ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—œ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ ๐——๐—ถ๐—ฑ๐—ปโ€™๐˜?
With mortgage payments putting more pressure on household budgets, itโ€™s understandable that you might be thinking:
โ€œI canโ€™t afford to pay for protection right now.โ€

But thereโ€™s another question worth askingโ€ฆ
Could you afford to pay your mortgage if illness or injury stopped you working?

Your mortgage still needs paying.
Your household bills still need paying.
Your family still needs supporting.

Thatโ€™s why itโ€™s worth considering:
๐Ÿ’ท ๐—œ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ ๐—ฃ๐—ฟ๐—ผ๐˜๐—ฒ๐—ฐ๐˜๐—ถ๐—ผ๐—ป โ€“ ๐—–๐—ผ๐˜‚๐—น๐—ฑ ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ถ๐—ฑ๐—ฒ ๐—ฎ ๐—ฟ๐—ฒ๐—ด๐˜‚๐—น๐—ฎ๐—ฟ ๐—ถ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ ๐—ถ๐—ณ ๐—ถ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ ๐—ผ๐—ฟ ๐—ถ๐—ป๐—ท๐˜‚๐—ฟ๐˜† ๐—ฝ๐—ฟ๐—ฒ๐˜ƒ๐—ฒ๐—ป๐˜๐˜€ ๐˜†๐—ผ๐˜‚ ๐—ณ๐—ฟ๐—ผ๐—บ ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด.
โค๏ธ ๐—–๐—ฟ๐—ถ๐˜๐—ถ๐—ฐ๐—ฎ๐—น ๐—œ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€ ๐—–๐—ผ๐˜ƒ๐—ฒ๐—ฟ โ€“ ๐—–๐—ผ๐˜‚๐—น๐—ฑ ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ถ๐—ฑ๐—ฒ ๐—ฎ ๐—น๐˜‚๐—บ๐—ฝ ๐˜€๐˜‚๐—บ ๐—ณ๐—ผ๐—น๐—น๐—ผ๐˜„๐—ถ๐—ป๐—ด ๐—ฎ ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐˜†๐—ถ๐—ป๐—ด ๐—ฐ๐—ฟ๐—ถ๐˜๐—ถ๐—ฐ๐—ฎ๐—น ๐—ถ๐—น๐—น๐—ป๐—ฒ๐˜€๐˜€.
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง ๐—Ÿ๐—ถ๐—ณ๐—ฒ ๐—–๐—ผ๐˜ƒ๐—ฒ๐—ฟ โ€“ ๐—–๐—ผ๐˜‚๐—น๐—ฑ ๐—ต๐—ฒ๐—น๐—ฝ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ฎ๐—บ๐—ถ๐—น๐˜† ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น๐—น๐˜† ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ถ๐—ฒ.

You donโ€™t necessarily need to protect everything at once.

The right level of cover depends on your circumstances, budget and priorities.

If your mortgage payment has increased, it could be more important than ever to make sure the income behind it is protected.

๐Ÿ‘‰Get in touch today. Letโ€™s review your protection and find an option that fits your budget, so you can protect what matters most without adding unnecessary financial pressure.

[email protected] ๐Ÿ“ง
01386 303000 ๐Ÿ“ž

โšฝFOOTBALL FRIDAYโšฝ This season, weโ€™re proud to be sponsoring the Silhill Saints โ€” Coโ€‘Founder Chrisโ€™s grandsonsโ€™ team and ...
09/10/2026

โšฝFOOTBALL FRIDAYโšฝ
This season, weโ€™re proud to be sponsoring the Silhill Saints โ€” Coโ€‘Founder Chrisโ€™s grandsonsโ€™ team and Adviser Hollyโ€™s sonsโ€™ team.
The boys are off to a winning start, and itโ€™s a real family affair on the sidelines every Sunday around the Solihull area.

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Lower High Street
Chipping Campden
GL556DY

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Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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+441386303000

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