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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

Sending a child off to university is a huge milestone, and often involves an equally huge shopping trip! But beyond the saucepans, bedding and stationery, there are some important financial considerations that can make life easier (and cheaper) for both students and parents. 1. Check your insurance first If your child is taking valuables like

The Bank of England has announced its latest decision — cutting the base rate from 4.25% to 4%. While widely expected by economists, the result was far from straightforward, with the Monetary Policy Committee split in a rare 5–4 vote. In this episode of Citrus Bites, Richard Harris takes a closer look at the decision,

The Bank of England has once again held interest rates at 4.25% . The question is, for how much longer? In the latest episode of Citrus Bites, host Richard Harris gives a quick but insightful look at the current state of play in the UK economy, and what it might mean for the next Bank

In the latest edition of Citrus Bites, Richard Harris takes a whistle-stop tour through the state of the UK economy. The numbers are more surprising than you might expect. Despite a new spike in inflation (CPI rising to 3.5% in the 12 months to April), retail sales are climbing, not falling. Even with higher water

In our latest episode of Citrus Insights, Richard Harris speaks to Lindsay James, Investment Strategist at Quilter Investors and a regular commentator on Sky News and CNBC. With global markets shaken by President Trump’s new tariffs, Lindsay helps us unpick what’s happening — and what it really means for investors here in the UK. Key

In this latest episode of Citrus Insights, Richard Harris is joined by behavioural economist Mark Pittaccio to explore one of the most common (and costly) investor experiences: the emotional reaction to market dips. Markets have wobbled recently, and the headlines haven’t helped. When your investments fall in value, it’s natural to feel anxious and even

The 2025 Spring Statement has landed – but what does it actually mean for your finances? In the latest episode of Citrus Bites, filmed on the day of the announcement, Citrus Financial’s Richard Harris gives a clear, jargon-free overview of the key points – including the inflation update, government borrowing, and why interest rates remain

With inflation ticking back up and interest rates hanging in the balance, February has been full of economic uncertainty. In this edition of Citrus Bites, Richard Harris dives into the latest developments and how they impact your money. Inflation Update – A Surprise Increase In January, inflation (CPI) jumped from 2.5% to 3%, a significant

The latest episode of Citrus Insights is here, and this month, Richard Harris is joined once again by Matthew Cumber, Managing Director of Countrywide Surveying Services. With his finger firmly on the pulse of the UK housing market, Matthew predicted a positive outlook last year despite economic uncertainty. And he was right! But what’s in

The Bank of England has cut the base rate from 4.75% to 4.5%, marking the third reduction in this cycle. But is this a sign of hope for borrowers, or does it point to deeper economic challenges ahead? In this month’s Citrus Mortgage Bites, Richard Harris dissects the latest announcement. Why Was This Rate Cut

At Citrus Financial, we take pride in delivering the best possible service to our clients. We’re delighted that our expertise is recognised on a global scale. This week, our very own David Braithwaite was invited to speak at an international conference hosted by MDRT in Budapest, sharing insights with 650 financial professionals from around the

The new year has kicked off with a storm of economic news in both the UK and the USA. From inflation concerns to government borrowing and mortgage rate shifts, it’s been a whirlwind start to 2025. In this month’s Citrus Bites, Richard Harris dissects the latest economic movements, providing insight into what they could mean

As Christmas approaches, we would like to take this opportunity to thank all our clients and partners for your trust and support throughout 2024. It’s been a pleasure working with you, and we look forward to continuing our journey together in the year ahead. Please enjoy our animated Christmas card Please enjoy our animated Christmas

As we wrap up the year, the Bank of England has decided to hold interest rates steady at 4.75%. Guest presenter Simon Cockfield walks us through the implications of this decision, shedding light on the economic factors at play. Inflation on the Rise November saw the Consumer Prices Index (CPI) rise to 2.6%, marking an

As 2024 draws to a close, Richard from Citrus Financial sat down with Mortgage and Protection Adviser Holly Bettles to unpack the highs and lows of the property market this year. With house prices holding steady and interest rates fluctuating, what does this mean for buyers preparing to take the leap in 2025? First-Time Buyers:

https://youtu.be/hEBZvbp7UCM In this special edition of Citrus Insights, Richard Harris sits down with Anne Ralph, trustee of the charity Friends for Families, to discuss the importance of our annual Board Games for a Brighter Christmas appeal.  For the third year, Citrus Financial is partnering with Friends for Families to help bring joy to children and

In the latest episode of Citrus Insights, Richard Harris dives into two major developments impacting the investment landscape: the Labour budget in the UK and the surprising election of Donald Trump as the 47th President of the United States. Richard is joined by Jonathan Raymond, Investment Manager at Quilter Cheviot, who helps unpack the complexities

In the latest episode of Citrus Mortgage Bites, mortgage experts Richard Harris and Holly Bettles dive into the recent changes in stamp duty thresholds and how you can potentially save thousands by acting before the deadline. What has changed with Stamp Duty? Following the Autumn Budget, the UK government has announced that the stamp duty

The highly anticipated Autumn Budget 2024 has arrived, marking the first budget from a Labour government in over 14 years. In this special episode of Citrus Bites, host Richard Harris unpacks the key announcements and how they might impact you. From changes to inheritance tax and capital gains tax to a freeze extension on fuel

If you’re a first-time homebuyer, don’t make any decisions until you watch the latest episode of Citrus Mortgage Bites. In this must-see episode, hosts Richard Harris and Holly Bettles tackle one of the hottest topics for first-time buyers: the potential changes to stamp duty in the upcoming October budget. Holly dives into the details of

Most of us wouldn’t dream of leaving our home or car uninsured. Yet, many people overlook something even more important – their income. During Income Protection Action Week, we want to highlight just how crucial it is to have the right safety net in place should the unexpected happen. In our latest Citrus Insights video,

In the latest episode of our Citrus Bites series, Richard breaks down the Bank of England’s decision to leave interest rates unchanged at 5%. While recent rate cuts have come from both the European Central Bank (ECB) and the U.S. Federal Reserve, the UK has decided to hold steady for now. Here’s a closer look

Welcome to another episode of Citrus Mortgage Bites! In this edition, Richard Harris and mortgage expert Holly Bettles provide essential guidance on how to get back on the housing ladder after a divorce. With rising house prices and changing mortgage rates, many people face financial challenges when trying to move forward after separating from a

As we move through the second half of 2024, the financial markets have been anything but calm. Headlines like “Market Madness,” “Crash,” and “Bloodbath” have flooded news outlets, particularly focusing on recent stock market falls in the United States and Japan. But is this truly a sign of impending doom, or just a temporary storm

We are thrilled to present the latest episode of Citrus Insights, featuring an exclusive interview with the brilliant Lindsay James, Investment Strategist and media spokesperson at Quilter Investors. This episode is a must-watch for anyone keen to understand how UK and international politics shape the investment markets. Lindsay offers her expert analysis, shedding light on

After six weeks of campaigning we finally know the result of the election. So, how will a Labour win impact our finances. In our latest Citrus Bites video, “What does the election mean for your money?”, Richard Harris provides a thorough analysis of Labour’s financial plans and their potential impact. In this special video, Richard

Thinking about buying a home? The housing market can be a complex beast, and navigating it as a buyer, especially for the first time, can feel daunting. But fear not! This episode of Citrus Insights is here to equip you with valuable knowledge and actionable tips. Richard Harris sits down with James Hincks, co-founder and MD

Feeling overwhelmed by finances as a busy mum? You’re not alone! This video is for all the amazing mums out there who juggle a million things. We know finances can easily get pushed aside, but financial adviser Karen Gorbutt from Citrus Financial explains why talking to an adviser can be a game-changer. Here’s what you’ll

The latest episode of Citrus Mortgage Bites is packed with valuable advice for anyone looking to buy a home or remortgage their existing property. Richard Harris and Holly Bettles, our Mortgage and Protection Adviser, discuss the recent decision by the Bank of England to hold the base rate and explore what this means for UK

Welcome to Citrus Bites, our monthly video covering the latest economic news for investors. Inflation has finally hit the Bank of England’s 2% target, but interest rates remain stubbornly at 5.25%. In this episode of Citrus Bites, Richard Harris breaks down the key factors behind this decision. Core Inflation & Wage Growth Keeping Rates High

Welcome to Citrus Bites, our monthly video covering the latest economic news for investors. This month, This month Richard Harris dives into the question on everyone’s mind: when will the Bank of England lower interest rates? While the latest economic data shows inflation is down (good news!), there are reasons to believe a rate cut

https://youtu.be/kjr6J_B3BQM Welcome to Citrus Mortgage Bites, our monthly video covering all things mortgages. This month, Holly and Richard tackle a timely question, “Stick or Twist”: should you wait for interest rates to fall before moving home or remortgaging? Are you thinking about moving home or remortgaging but unsure if now is the right time with

https://youtu.be/hp4jNvQ16x4 Welcome to Citrus Bites, your monthly dose of financial insights from Citrus Financial. This month, Richard Harris provides his usual economic update and we’re joined by Gemma Woodward, Head of Responsible Investing at Quilter Cheviot, to discuss a topic increasingly important to investors: Responsible Investment (RI). Economic Update Richard dives into the key economic

Welcome to Citrus Mortgage Bites, our monthly video covering all things mortgages. This month, Holly and Richard are joined by Matthew Camber, Managing Director at Countrywide Surveying Services.  The spring selling season is here, and with it comes a flurry of questions for potential homebuyers. Is it a good time to buy? How will rising

Looking for insights on the UK economy after the Spring Budget? If you missed our webinar, please take a look at this video which features Richard Harris analysing the latest economic data and growth forecasts. Richard dives into: The Chancellor’s economic outlook Growth trends compared to pre-pandemic levels Predictions for future interest rate decisions by

This webinar recording is your chance to understand the 2024 Spring Budget and make the most of your tax allowances before the April 5th deadline. Hosted by BBC Radio Kent’s Money Mentor, David Braithwaite, this informative session features a panel of financial experts from Citrus Financial and Quilter: Lesley Stewart, Advice Solutions Manager, Quilter Karen

Happy World Book Day! Here at Citrus Financial, we love a good book just as much as we love helping you with your finances. To celebrate this special day, we asked our team for their top 10 book recommendations, and we have a diverse range to share with you! From classic novels like “Pride &

The Chancellor announced his Spring Budget on Wednesday 6th April 2024. Positioned as a budget for growth it reflected the fiscal tightrope the Chancellor is treading. The main headlines The optimism from earlier in the year, fueled by lower borrowing costs, had suggested the government may have a theoretical “headroom” of £30 billion for the

Welcome to Citrus Mortgage Bites, our new monthly video covering all things mortgages. Each month Richard Harris, COO at Citrus Financial, will be joined by Holly Bettles, our wonderful mortgage and protection adviser, to discuss the latest news in the mortgage market. This month Richard and Holly discuss the latest mortgage rates available from lenders.

Welcome to the latest edition of Citrus Bites. This month Richard Harris, COO at Citrus Financial is joined by the amazing Lindsay James, Investment Strategist at Quilter. Together, they take a look at the latest economic data and Lindsay casts an eye over the year ahead, giving some valuable insight on how political developments in

Welcome to Citrus Mortgage Bites, our brand new monthly video covering all things mortgages. Each month Richard Harris, COO at Citrus Financial, will be joined by Holly Bettles, our wonderful mortgage and protection adviser, to discuss the latest news in the mortgage market. It’s been an exciting start to the year and this month Holly

For December’s Citrus Bites, Richard Harris is joined by the wonderful Holly Bettles, Mortgage & Protection adviser at Citrus Financial. Richard takes a look back at 2023. Comparing the economic predictions made at the start of the year with the reality of where we are currently. And of course, looking at that resilient jobs market,

The Chancellor announced his Autumn Statement on Wednesday 22nd November. As expected, tax cuts took most of the headlines, with a reduction in National Insurance and a range of measures for businesses. In this special edition of Citrus Bites, Richard Harris takes a look at the headlines and considers what the announcements could mean for

We thought this powerful interview with the wonderful Shona Campbell was too important not to share on its own. Richard Harris interviews Shona Campbell, co-founder and Chair of Trustees for Friends for Families. Shona talks us through why she started the charity and the vital work they do. She also provides sobering insight of the

This month Richard Harris is joined by the amazing Shona Campbell, Chair of Trustees for Friends for Families, for the latest edition of Citrus Bites. The monthly economic update from Citrus Financial. As always, Richard takes a look at the key economic indicators, including interest rates and inflation. Plus, why the price of oil is

We asked the brilliant Lindsay James, Investment Strategist at Quilter Investors, if she could provide a 5 minute update on the global economy and financial markets. In a little over 5 minutes, Lindsay explains why it’s important for investors to understand the difference between the economy and the financial markets. Specifically, how the markets are

Current market conditions have left many investors feeling uncertain about whether now is a good time to invest. So, we recently hosted a webinar to discuss whether now is a good time to invest.  If you missed it you have the opportunity to watch this full recording. As well as discussing whether now is a

Join Richard Harris and Jonathan Raymond, an Investment Manager at Quilter Cheviot, for the latest edition of Citrus Bites, the monthly economic update from Citrus Financial. Richard Harris takes a look at the latest UK economic data, covering recent announcements from the Bank of England, good news regarding the rate of inflation, and a watchful

Welcome to August’s Citrus Bites, the monthly bite sized economic update from Citrus Financial. In this edition Richard Harris is looking at the latest economic data from the UK including the rate of inflation and core inflation. We also look at predictions from City experts on how how high interest rates might climb. Asking the

Watch a recording of our exclusive webinar as we navigate the challenges faced by the UK economy in the midst of an economic storm and the imminent threat of what’s been described as a ‘mortgage time-bomb’. The cost-of-living crisis, along with escalating inflation, interest rate hikes, and the lasting repercussions of the Spring Budget, have

Our mortgage and protection adviser, Holly Bettles, takes a look at the UK mortgage and property market against the backdrop of the mortgage time bomb. Addressing the challenges of remortgaging or moving home in the current economic climate, as well as covering what to do if you’re struggling with your mortgage repayments. You can see

Welcome to July’s Citrus Bites, the monthly bite sized economic update from Citrus Financial. In this edition Richard Harris is looking at the latest economic data from China, the USA, and the UK. This includes the recent positive news that UK inflation figures fell in June. In a change from our usual format, this month

At the start of the 2023 FIFA Women’s World Cup, Citrus Financial is proud to announce its sponsorship of girls’ football at Chipstead Football Club. We’re committed to supporting our local community, and we believe that this sponsorship is a great way to give back. With an office in Chipstead, we are keen to help

Presented by Richard Harris, our June edition of Citrus Bites covers the latest UK inflation figures, the 13th consecutive interest rate rise from the Bank of England, plus an exclusive interview with our special guest – Matthew Camber, Managing Director of Countrywide Surveying Services. We’ll hear how it’s not all doom and gloom in the

Presented by Richard Harris, our May edition of Citrus Bites covers the US debt ceiling and what it could mean for the UK, the ongoing issue of high inflation, and an update on the mortgage market from our mortgage & protection adviser Holly Bettles, including the return of 100% mortgages. If you have a topic