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If you’ve been following the latest Bank of England announcement, you may be wondering what it means for your mortgage. The Bank Rate has remained at 3.75%, but that doesn’t necessarily mean mortgage rates will stay the same. In the latest Citrus Mortgage Bites, Richard Harris is joined by Mortgage & Protection Adviser Steve Ody […]

In the May episode of Citrus Bites, Richard Harris looks at why the UK economy is feeling under pressure again. Over recent months, many expected inflation to continue moving closer to the Bank of England’s 2% target. Instead, the picture has become more complicated. Food prices remain painful for many households, oil prices have moved

Long-term care is one of those topics many families know they should think about, but often put off until a crisis happens. In the latest Citrus Insights, Richard Harris is joined by Roberta Svile, Founder of Local Care Adviser, for a clear, compassionate and practical conversation about later-life care. Roberta helps families, financial advisers and

Markets are feeling unsettled again. The conflict in the Middle East, rising oil prices and constant news updates can make it feel like something needs to be done, quickly. In the latest Citrus Insights, Richard Harris is joined by Jonathan Raymond, Investment Manager at Quilter Cheviot, to bring some perspective to what’s really happening behind

House prices, interest rates, buy-to-let changes, government targets — there’s always plenty of noise around the UK property market. But what’s actually happening beneath the headlines? In the latest Citrus Insights, Richard Harris is joined by Matthew Cumber, Managing Director at Countrywide Surveying Services, for a clear and practical look at how 2025 really played

With markets once again dominated by headlines about geopolitics, interest rates and global uncertainty, it can be difficult to separate meaningful signals from day-to-day noise. In the latest episode of Citrus Insights, Richard Harris is joined by Lindsay James, Investment Strategist at Quilter Investors, for a wide-ranging and highly accessible discussion on what really matters

As the year draws to a close, the team at Citrus Financial would like to take a moment to thank you for your continued support throughout 2025. It’s been another busy year, and we’re very grateful for the trust you place in us. We hope you enjoy our short animated Christmas card, shared above, with

The Bank of England has cut the Base Rate from 4% to 3.75%, the lowest level in around three years. While the move had been widely expected, the decision was finely balanced, passing by a narrow 5–4 vote. In this edition of Citrus Bites, Richard Harris explains why the rate cut comes alongside mixed signals

https://youtu.be/db56FIwtv3w After one of the most chaotic build-ups to a Budget in recent memory – including an unprecedented early leak of the Office for Budget Responsibility (OBR) report – we finally know what Rachel Reeves has announced in the UK Budget 2025. In this Citrus Bites Budget Special, filmed from our Sevenoaks office, Richard Harris

As the UK approaches the November 2025 Budget, Chancellor Rachel Reeves faces an uphill battle. Public sector debt has now reached a staggering £3 trillion, with borrowing in August alone hitting £17.96 billion — the highest August figure in five years. In the latest Citrus Bites, Richard Harris explores the Chancellor’s challenge and what it