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Richard Harris will be a familiar face to many Citrus clients as the host of Citrus Bites, Mortgage Bites and Citrus Insights. But there’s plenty more to Richard than what you see on camera. From a long career in banking and business transformation to helping shape the growth of Citrus Financial, he brings a wealth […]

Starting university is exciting. For parents, it can also feel like a big moment of adjustment. Your son or daughter may be leaving home, managing their own schedule, making new friends and, very possibly, handling more money than they have ever had to manage before. Recent research from Nationwide found that money worries are one

Many prospective first-time buyers assume their deposit is too small or their income will not allow them to borrow enough. Nicky Kirton explains why it may be worth checking your position before ruling yourself out. By Nicky Kirton, Mortgage & Protection Adviser at Citrus Financial Buying a first home can feel like a distant goal.

Bank Rate is an important influence on mortgage pricing, but it is not the only one. Steve Ody explains why lenders can increase fixed mortgage rates even when the Bank of England decides to leave rates unchanged. By Steve Ody, Mortgage & Protection Adviser at Citrus Financial When the Bank of England announced that Bank

Scammers are becoming increasingly sophisticated in the way they promote fake investment opportunities. A recent article in The Guardian highlighted how fraudsters are creating false news stories that appear to come from trusted publishers. These articles are then shared through social media and used to encourage people to click through to fake investment or trading

One of the questions we often ask new clients is, “How did you hear about Citrus Financial?” More often than not, the answer is wonderfully simple: “A friend recommended you.” Those conversations never become routine. Every recommendation reminds us that someone has placed their trust in us enough to suggest our name to a friend,

With mortgage rates, living costs and the housing market difficult to predict, waiting can feel like the safest option. But when there is no perfect time to make a decision, being prepared may be more useful than trying to predict what happens next. By Steve Ody, Mortgage & Protection Adviser at Citrus Financial If you

Lauren Fowler is our Client Services Manager and has worked in financial services since 2016. Having previously been part of the Citrus Financial team, we were delighted to welcome her back in 2021. Anyone who knows Lauren will know she brings plenty of energy to the office. She is bubbly, confident, brilliantly direct, and always

We’re delighted to share that Karen Gorbutt and Patricia Harris have both been shortlisted at the Women In Financial Advice Awards 2026. Karen has been shortlisted for Financial Adviser of the Year – South East, while Patricia has been shortlisted for Woman of the Year – Paraplanner. A fantastic achievement The Women In Financial Advice

You may have seen some alarming headlines this week about HMRC introducing a 22% charge on cash held inside stocks and shares ISAs. At first glance, that sounds like a major change to the tax-free nature of ISAs. But the key point is this: the proposed charge is not aimed at normal investments held inside