The Money Nest by Heron Financial

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 compa...

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 i...

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 sometime...

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 w...

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 varia...

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 service...

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...

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...

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 Econom...

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...

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 Engl...

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 ce...

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 rate...

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, p...

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 l...

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...

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...

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, ple...

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 stat...

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 rat...

In this edition, Matt Coulson (Founder of Heron Financial) talks over the immediate reaction to the Bank of England holding rates at 5% with Richard Campo, Head of Growth at Heron. Points discussed are: - What impact will this have on mortgage rates? - WIll this trigger a rate war with lenders? - When is the best time to apply for a mortgage? For more content like this, please do go to our website...

We are back!  With our new and revamped format, Matt Coulson (Founder of Heron Financial) is joined by Richard Campo, who has recently joined as Head of Growth.  In this month’s podcast they discuss why mortgage rates are falling, what impact (if any) The Bank of England base rate plays in this, plus a very exciting evolution in the mortgage industry to explain why your homes efficiency (as determ...

In our final episode, we discuss the 5 mortgage basics you should know before starting your mortgage journey. Applying for a mortgage can be a long and challenging process, so it is always best for you to get ahead of the game and prepare as much as possible. 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/

On this week's podcast, we will be discussing Home Insurance 101! Going through all the different policies and what they actually cover. It is so important you know where your money is going and for you to sleep easy at night knowing you are covered for the unexpected. If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancia...

This week, we are talking all about protection policies and why they are essential to have in place for the unexpected. 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/