In March, the Financial Conduct Authority (FCA) issued a statement that could have major implications for the mortgage market, especially for first-time buyers and home movers. The FCA revealed that many lenders may not be making full use of the flexibility already allowed within current affordability rules, particularly around stress testing. This type of testing …
Good News for Homebuyers: Lending Rules Are Easing Read More »
DOWNLOAD HERE March Property Update: Download the Latest Residential Property Review The UK housing market continues to shift, with affordability pressures, regional differences, and tax changes shaping buyer behaviour. Our April 2025 Residential Property Review gives you a clear and concise look at what’s happening – and what might be ahead. In this edition we …
April Property Update: Download the Latest Residential Property Review Read More »
Looking for easy ways to save money around the house? In this week’s episode of The Money Mentor, David Braithwaite shares a collection of practical money-saving hacks to help you cut costs without making major sacrifices. From reusing envelopes and old toothbrushes to smart batch cooking and free dry cleaning with steam, David’s tips are …
Money-Saving Hacks for Your Home: Simple Tips to Cut Costs Read More »
How much money will you need in retirement? It sounds like a simple question but for many people, the answer is anything but clear. In fact, a 2023 study by Scottish Widows* found that only one in five UK adults feels confident they’re saving enough for retirement. So why do we avoid this question? And …
How Much Will You Actually Need to Retire? (And Are You on Track?) Read More »
This Easter, David Braithwaite, Money Mentor, is on a mission to help you save on your chocolate indulgences. In this episode, David conducts a taste test between well-known Easter egg brands and budget supermarket options, revealing surprising results! While brand names may be tempting, David shows how switching to budget brands could save you money …
Easter Eggs & Budget Brands: Can You Save by Switching? Read More »
Are you dreaming of a holiday but worried about the cost? In this week’s episode of The Money Mentor, David Braithwaite shares expert advice on how to plan an affordable getaway. While the cost of living crisis continues to make things tough for many families, David explains how you can enjoy a holiday – whether …
Can You Afford a Holiday This Year? Tips for a Budget-Friendly Break Read More »
DOWNLOAD HERE Stay Informed: Download Our Latest Economic Review Economic uncertainty continues to dominate the headlines – but understanding the latest trends can help you feel more in control of your financial decisions. Our April 2025 Economic Review breaks down the key events from March and what they could mean for you. In this edition …
April Economic Update: Download the Latest Economic Review Read More »
This week, David Braithwaite, Money Mentor, uncovers the clever techniques that supermarkets and online retailers use to get us to spend more. Whether it’s through store layout, pricing tricks, or emotional buying triggers, David explains how shopping experiences are designed to tempt us into overspending. Listen here David offers simple strategies to help you avoid …
Avoiding Supermarket & Online Shopping Traps: Tips from David Braithwaite, Money Mentor Read More »
At Citrus Financial, we love discovering the hidden talents of our team, and our very own Karen Gorbutt has certainly impressed us with hers. Hidden Talents Alongside her role as a brilliant financial adviser, Karen balances a busy family life as a mum to two boys, practises Karate in her spare time, and still finds …
Karen Gorbutt: From Financial Planning to Centre Stage Read More »
If you’re like many people, retirement planning sits somewhere between “I know I should think about it” and “I’ll get to it when life calms down.” But life rarely does calm down, does it? Whether you’re raising a family, climbing the career ladder, juggling commitments, or just keeping up with day-to-day demands, it’s easy to …
Are You Worried You’re Not Saving Enough for Retirement? Read More »
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