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Twinkly lights and trees are up, presents are being bought and wrapped, and the big man himself is getting ready to do the night shift. It can only mean one thing - Christmas Day is almost here and 2025 is quickly rushing towards its festive finale. At this time of year, we naturally find ourselves looking back on the past 12 months, as well as what the future might bring. That is especially true for those interacting with the mortgage and property market, whether that’s home

At first glance, things like coffee and chocolate might not seem to have much to do with mortgages. But as you might have noticed, both have become noticeably more expensive in recent months. Don’t worry, this isn’t another lecture about skipping your morning latte or Starbucks trip to save for your house deposit. Instead it’s a call to look behind those higher prices where you’ll find a bigger story about inflation, which has a direct impact on the mortgage deals available t

DM me to see how financial protection can help you.  Crystal Clear Financial Planning & Mortgages is a trading style of Martin Jones Financial Planning Consultants LLP which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.  Approved by The Openwork Partnership on 02/10/25

Secure your family’s future, no matter what it holds. Family life can be full of uncertainties, but one thing that never changes is the care we have for our loved ones. We want to protect them, help them grow and see them flourish. Creating financial stability for our families is about managing day-to-day expenses, putting food on the table and a roof over their heads. But it also means thinking about the future and planning for all eventualities so you can safeguard their fu

DM me for advice on income protection and other options. Crystal Clear Financial Planning & Mortgages is a trading style of Martin Jones Financial Planning Consultants LLP is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.  Approved by The Openwork Partnership on 16/10/25.

Get covered for sickness, injuries, life cover & more.  DM me for advice. Crystal Clear Financial Planning & Mortgages is a trading style of Martin Jones Financial Planning Consultants LLP  which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.  Approved by The Openwork Partnership on 17/10/25

Understanding the difference between a product transfer and a remortgage is the first step. And with expert advice, you can turn...

That extra money in your pocket can be a welcome change, but the question is: how best can you put it to use? Rather than letting it...

With gifts and loans from the Bank of Mum and Dad totalling a whopping £9.4bn in 2023, it would be one of the UK’s biggest if it was a...

The mortgage market is shifting. Following several cuts to the Bank of England base rate - including a 0.25% cut to 4% in August -...

When your fixed rate ends, remortgaging is not only a chance to potentially secure a better deal, but it can also be an opportunity to...

According to the Bank of England, 3.6 million mortgages are set to be renegotiated over the next three years, amounting to 41% of all...

After a period of rising interest rates and higher monthly costs, there are signs the mortgage market is beginning to settle. For some...

If your mortgage deal is coming to an end, you’re not alone. Thousands of homeowners are fast approaching the end of their fixed terms,...

Today, I spent the day volunteering with the National Trust, working on the footpaths around Pen y Fan in the Brecon Beacons. It was a...

Buying your first home is an exciting milestone, but it can also be overwhelming. With so much to consider, independent property surveys...

Buying a home and taking on a mortgage is often the biggest financial commitment a person will make in their lives. With this in mind,...

A glance at the news over the last 12 months or so would suggest that mortgage rates are a very hot topic indeed.   For the last 14...

With gifts and loans from the Bank of Mum and Dad totalling a whopping £9.4bn in 2023, it would be one of the UK’s biggest if it was a...

Buying a house can certainly be a daunting experience, especially when it’s your first time doing so. What doesn’t help is the wealth of...