Self Employed Mortgages

Why it's important to talk to your partner about money

Mar 08, 2022

For many people in the UK, it can be uncomfortable to discuss finances with loved ones. No matter how close you are to the person you’re talkin...

Busting the 3 biggest myths of financial protection

Aug 20, 2021

Protection can be an essential part of anyone’s financial plan, as it can act as a useful safety net in case the worst were to happen. 

Stress-Free Strategies for Later-Life Planning

Dec 07, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

3 ways that financial protection can support your mental wellbeing

Jul 16, 2021

If you’ve been struggling with your mental health in recent months, you aren’t alone. 

Your guide to scams

Jul 26, 2021

Technology has made it easier than ever for scammers to target victims, and the tactics they use are becoming more sophisticated.

4 effective ways to boost your pension contributions

Mar 15, 2021

In recent years, many young people have found it difficult to balance saving with the rising cost of living. That can mean it’s sometimes diffi...

Why you should protect yourself when taking on a mortgage

Feb 25, 2021

Have you ever wondered what would happen if you were to suddenly lose your income? If you’re the main or only earner in your household, you may...

4 important ways that young people can really benefit from seeking professional financial advice

Dec 07, 2021

Where do you get your financial tips and advice from? If it’s from social media, you’re not alone.

Guide: The history of investing and what you can learn from the past

Jul 02, 2021

Investing has been around for centuries and the basics haven’t changed as much as you might think. 

3 worrying reasons 2 in 3 people don’t protect their loved ones – and why they are wrong

Nov 11, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

5 useful tips if you want to secure a self-employed mortgage

May 19, 2021

In recent months, strong demand for houses has resulted in a housing boom.

Guide: The history of investing and what you can learn from the past

Feb 16, 2023

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

Why working with a mortgage adviser and broker is so important when remortgaging

Dec 07, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

5 Key Investing Lessons from Iconic Musicians

Dec 07, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

Guide: 10 ways to make the most of your garden in 2021

Mar 29, 2021

After a year of lockdown measures, our gardens and outdoor spaces have become far more important. 

Michelle qualifies as a VouchedFor Top Rated adviser

Apr 09, 2021

Today, Saturday 10th April, VouchedFor have released their Top Rated guide and we’re ecstatic to announce that Michelle has qualified.

How scammers are using the cost of living crisis to target you

Oct 13, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

The 2022/23 end of tax year guide: 7 allowances to make use of before 5 April 2023

Jan 10, 2023

The 2022/23 tax year ends on Wednesday 5 April. After this date, many allowances reset, and it could be your last chance to use some of them.

Behaving differently at this time of year

Jan 07, 2023

As individuals, we usually have a bias towards ‘now’. But at this time of year that bias changes in an important way and ...

Getting Organised: The First Step Towards Financial Clarity

Jun 17, 2024

The first step in the financial planning process is gathering all the information needed to make financial decisions.

The Investor’s Two Constant Temptations

Jun 13, 2024

Smart long-term investors generally have a good understanding of the mindsets and behaviours that lead to financial success.

3 useful financial new year’s resolutions you should make in 2022

Dec 07, 2021

Each year, millions of Brits use the new year as an opportunity to make a lasting positive change to their lives.

Guide: 10 ways to lead a more sustainable life

Nov 28, 2021

Sustainability has become a key topic for governments, businesses and communities around the world. 

Everything you need to know about the 2021 Autumn Budget

Oct 27, 2021

Employment is up, investment is growing, public services are improving, the public finances are stabilising, and wages are rising.

Your complete 2021/22 end of tax year guide

Jan 13, 2022

The 2021/22 tax year ends on Monday 5 April 2022. This is the date when many allowances reset, and it could be your last opportunity to make use ...

We’re excited to announce our official opening party!

Aug 31, 2021

We’re excited to announce that we’ll be hosting our office opening party on Saturday 11 September!

National Insurance and Dividend Tax rise as government suspends State Pension triple lock

Sep 08, 2021

This week, the government has made two major policy announcements that are likely to directly affect your finances. 

What the UK housing market could look like post-pandemic

Aug 20, 2021

The UK housing market has seen strong growth during the pandemic, despite the double whammy effect of Brexit and the national lockdowns.

Michelle Boakes is a Woman of the Year finalist!

Aug 14, 2021

I’m honoured to announce that I’ve recently been named as a finalist for the Woman of the Year – Vulnerable Client Care award.

The Permanent Challenge of Temporary Declines

Jun 14, 2024

Investment markets were kind to investors in the year 2021. Despite continued uncertainty around how the ...

Everything you need to know about the 2022 spring statement

Mar 23, 2022

Against the backdrop of the continuing war in Ukraine, the chancellor has delivered his spring statement.

Why are house prices still going up?

Jan 13, 2022

If you’re looking to buy a new home, you’ve probably noticed that house prices have grown rapidly in recent months. 

Cutting through the jargon: What is stagflation?

Sep 17, 2021

As you probably know, the coronavirus pandemic has had a significant impact on the UK economy throughout 2020 and 2021.

Guide: 12 of the best Christmas markets to enjoy in the UK and Europe in 2022

Nov 17, 2022

If you want some festive cheer, a Christmas market is perfect.

4 important developments you may want to discuss with your planner in 2022

Feb 14, 2022

With the end of the pandemic potentially within sight, you might be wondering what the rest of 2022 might hold for you. 

What 2022 may hold for UK house prices

Feb 14, 2022

Without the help of a crystal ball, it can often be tricky to predict the future. This has been especially true since the start of the pandemic, ...

Your autumn statement update and what it means for you

Nov 17, 2022

It has been a tumultuous year in British politics, with three prime ministers and four chancellors holding office.

7 handy tips to help recession-proof your finances

Nov 11, 2022

As UK economic activity contracted at its fastest pace in nearly two years in October, it would suggest that the UK has fallen into a recession.

It’s official: Michelle and Gary are both Top Rated advisers

May 18, 2022

Here at Verve Financial, we’re delighted to announce that both Michelle and Gary have been included in VouchedFor’s 2022 guide to

5 useful ways to spring clean your finances this March

Mar 08, 2022

After a long and dreary winter, spring is finally here. Now that March is upon us, you’re probably looking forward to longer days, warmer weath...

Guide: The useful guide to decluttering your home and life

Mar 18, 2022

Why is the Bank of England scrapping one of the mortgage affordability tests?

Sep 22, 2022

For most young people, purchasing your first home is one of the biggest goals to work towards. After so much hard work and ...

What can the government do to tackle inflation?

Jul 15, 2022

In the latest evidence that the cost of living crisis is making things tough for families across the UK, Sky News recently reported that ...

2 strong reasons why you shouldn’t let the pandemic affect your pension contributions

Feb 25, 2021

The economic crisis caused by the coronavirus and the subsequent lockdowns have had a significant effect on many people. 

The parents’ guide to paying for university and student loans

Sep 28, 2022

As a parent, it is important to understand what expenses students face, how they will repay student loans in the future, and how you could offer ...

Everything you need to know about the “emergency mini-budget”

Sep 23, 2022

With a new prime minister having taken office earlier this month, the government has begun to announce its plans for stimulating the UK economy d...

Will the cost of living crisis cause house prices to fall?

Sep 24, 2022

Whether you’re paying your utility bills or buying groceries, over the last few weeks you’ll have noticed that the cost of living has risen s...

10 straightforward DIY jobs around the house

Jul 20, 2022

One of the biggest social changes over the last 50 years has been the rise in the do-it-yourself (DIY) approach to jobs around the house.

10 New Year Resolutions for Financial Health

Dec 21, 2022

At the start of a new year, it’s common to reflect on what you want to achieve over the next 12 months and to set out some goals.

How could the cost of living surge affect your life plans?

Jul 08, 2022

In the past few weeks, you’ll have noticed that the cost of many goods and services has been rising. Due to the war in Ukraine and ...

The top 10 sporting events coming to the UK in summer 2022

May 30, 2022

It’s fair to say that the UK is addicted to sport.

3 increasingly common scams and what you need to know to protect your money

May 19, 2022

In the past few years, the increasing digitalisation of our society has had many benefits. From videoconferencing, which enables ...

What a 95% loan-to-value mortgage could mean for you

Apr 14, 2021

In recent years, rising house prices have made it difficult for many young people to get onto the property ladder. 

The dangers of DIY investing and the value of seeking financial advice

Apr 14, 2021

In recent months, there has been a surge of people getting involved in investing, typically with little financial experience. 

What would a replacement for Stamp Duty look like?

Mar 15, 2021

In 2020, Chancellor Rishi Sunak announced a Stamp Duty holiday in an effort to buoy the flagging housing market. 

3 useful ways that nudge theory can help you to reach your life goals

Jul 18, 2022

Over the course of your life, you’ll have a variety of goals that you’ll build your wealth for, from buying your first home to saving for a c...

How seeking financial advice can help you if you’re leaving the armed forces

Oct 20, 2021

After years of service, the prospect of settling down into civilian life can be appealing for many veterans. 

Should you overpay on your mortgage as interest rates rise?

Nov 07, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

5 important questions to ask your employer about your workplace pension

Sep 13, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

Why you shouldn’t rely on the minimum contribution to your workplace pension

Jul 27, 2021

For almost nine years, pension auto-enrolment has helped millions of Brits save for the future. However, while this may be a good start, many peo...

Should you consolidate your pensions? Here are the pros and cons

Oct 13, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

Here’s an effective and low-cost way to protect your family

Oct 13, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

Guide: Building a nest egg – How to create financial security for your children and grandchildren

Dec 13, 2021

As a parent or grandparent, you may be thinking about ways you can build a nest egg for children or grandchildren. 

3 key reasons to review your financial protection now

Feb 14, 2022

While you may not like to think about it, it’s important to have plans in place in case the unexpected should ever happen. 

How working with a planner can help to reduce your financial anxiety

Jun 16, 2022

In the past few weeks, it has been hard to read the news without a twinge of worry. From the rising price of food and fuel to the fall in stock m...

3 pros and cons of overpaying your mortgage

May 13, 2022

In recent months, many savers have struggled with relatively low interest rates. In fact, according to data from Moneyfacts, as of 13 May, the h...

How working with a financial planner can help you if you’ve recently become a parent

Dec 07, 2021

Starting a family can be one of the most important and rewarding milestones in your life. If you’ve recently had a child, there can be no bette...

Women have to work 18 years longer for the same pension wealth – here’s how to close that gap

Jul 18, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

5 valuable tips for how to make the most of an unexpected windfall

Aug 15, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

Your complete guide to buy-to-let

Aug 26, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

How you can track down your lost savings, pensions, and investments

Sep 07, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

How to look after your health and financial wellbeing this winter

Nov 17, 2020

As the days get colder and shorter, it’s easy for our health to be affected.

Are Cash ISAs still a good way to save for the future?

Apr 19, 2022

With the price of many goods and services rising, households across the UK are having to manage their finances more carefully than ever before.

3 useful ways your parents can help you get onto the property ladder

Sep 17, 2021

Buying your first home is a major life milestone but, in recent years, it has been increasingly difficult for young people to take this important...

4 key reasons why you should speak to a financial planner if you’re getting divorced

Aug 20, 2021

Making the decision to end a marriage can be a life-changing one and can affect your wellbeing in a number of ways

The 3 types of people who need life insurance the most

Jun 11, 2021

While you may not like to consider the prospect of passing away, it can be important to make preparations to ensure that your family are looked a...

Why prospective buyers shouldn’t bet on house prices falling

Jun 11, 2021

Taking your first step onto the property ladder is an important milestone in most people’s lives, but the strong housing market growth in recen...

Why working with a broker is essential if you want to secure a mortgage

Jul 16, 2021

When you’re buying your first home, there can be a lot to think about. You need to consider issues such as the impact of charges and which type...

With the rise of digital SIPPs, here’s why you should speak to a financial planner before consolidating your pensions

Jan 13, 2022

When saving for retirement, one of your options is a self-invested personal pension (SIPP). These schemes typically offer a high degree of flexib...

3 key signs of financial abuse to look out for and how a financial planner can help

Sep 17, 2021

When people talk about domestic abuse, they tend to focus on the physical and emotional aspects of it. Due to this, financial abuse is often over...

3 important ways that working with a financial planner can help when caring for a loved one

Nov 11, 2021

When a loved one is no longer able to manage their own affairs, it can often put you in a very difficult situation

5 Biases Affecting Your Investment Returns

Jan 13, 2022

When it comes to managing money, you may not think that underlying biases play much of a role. 

Your comprehensive timeline for building your long-term wealth

Jun 11, 2021

If you want to save for your financial future, there’s no better time to start than now. 

Cutting through the jargon: bull and bear markets explained

May 19, 2021

One of the biggest impacts of the coronavirus pandemic in 2020 was the significant economic downturn in the first quarter, as markets struggled w...

Everything you need to know about income protection and critical illness cover

Mar 15, 2021

One of the lessons that the pandemic has taught us is that the unexpected can happen at any time, which is why it’s important to plan ahead.

Budget 2021 – The winners and losers

Mar 03, 2021

A year ago, Rishi Sunak delivered his first Budget just as the pandemic began to take hold. While his £30 billion package sounded significant, i...

Your 2021 Budget summary

Mar 03, 2021

On Wednesday 3 March, Rishi Sunak delivered his second Budget as chancellor. The Budget outlines the state of the economy and the government’s ...

What 2021 may hold for the housing market

Feb 25, 2021

2020 was a year of mixed fortunes for the housing market. The initial lockdown saw a stagnation and slight fall in house prices, but this was fol...

The 2020/21 end of the tax year guide

Jan 27, 2021

The current tax year will end on 5 April 2021, a date when many allowances and tax breaks will reset. In some cases, it will be your last chance ...

Why prioritising saving over protection can hurt your long-term financial wellbeing

Apr 14, 2021

When planning for the unexpected, one of the best ways to absorb financial shocks is to have protection in place. 

How effective use of ISAs can help you to retire early

May 19, 2021

If you want to retire early, it’s important to plan your finances carefully. Since you are likely to need your savings to support you for a lon...

Relief for savers as “tax day” sees government announce no significant tax reforms

Mar 23, 2021

Late last year, the government announced that a range of documents and consultations on future tax policies would be released after the Budget.

Guide – Your retirement choices: how to generate an income in later life

May 20, 2021

Since Pension Freedoms were introduced in 2015, retirees have had more choice when they access their pension. 

Why protection for the self-employed is more important than ever

Mar 08, 2022

Since it reached the UK in 2020, the coronavirus pandemic has affected millions of Brits in a variety of ways. 

Why rising inflation erodes trust as well as wealth and how that affects you

Jul 18, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

Guide: 5 important lessons that Napoleon can teach you about growing your wealth

Feb 14, 2022

In 1793, a vast army of the French First Republic locked horns with a combined force of Royalists and their foreign allies at the port city of To...

The useful guide to reaching your retirement goals

Apr 13, 2022

Getting the most out of retirement and reaching your goals requires planning.

3 important facts you need to know about inflation

Apr 19, 2022

From your weekly shop to your energy bills, you may have noticed that there has been a sharp increase in the cost of living in recent months. 

3 great reasons why you should take out protection now

Aug 15, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

Guide: Behavioural biases, and how they affect your financial decisions

Feb 23, 2021

Our latest guide is in partnership with Neil Bage, founder of Be-IQ, a fintech company focused on behavioural insights. 

Why it’s better to plan for retirement sooner rather than later

May 13, 2022

Retirement is traditionally seen as an opportunity to relax, sit back, and enjoy the rewards of a lifetime of hard work. You may have an idea ab...

Guide: Financial wellbeing: 6 ways to help you make better financial decisions

Oct 22, 2022

Helping you to achieve your lifelong goals and overcome the hurdles you face without worrying about money. Get in touch for a free, no-obligation...

Your complete guide to financial protection

Jun 16, 2022

Financial protection is an important part of creating long-term security. Yet, it’s something that many people overlook.

The dos and don’ts of Christmas spending

Nov 27, 2020

Christmas is the season of spending time with loved ones, cuddling up in front of a festive film, and eating too many mince pies.

Your complete guide to mortgages

Dec 01, 2020

At some point in our lives, most of us will need to take out a mortgage if we aspire to own a home. 

4 ways to protect yourself from the unexpected

Oct 28, 2020

Have you ever thought about how your family would cope financially if you died or became too ill to work? 

5 ways a financial adviser can help you with your finances

Oct 28, 2020

Like most people, the first time you spoke to a financial adviser was probably when you bought your first home.

How to balance paying off debts with saving for your future

Dec 17, 2020

The start of a new year is a great time to commit to paying off debts and starting to save for your future.

High LTV mortgages are being withdrawn – here’s what you need to know

Nov 17, 2020

Mortgages with a high loan-to-value can enable borrowers with small deposits to get a foot on the property ladder.

5 perks of protection you didn’t know you had

Nov 17, 2020

When you took out protection – be it life insurance, Critical Illness Cover or Income Protection – you probably focused on ...

3 things you should know if you’re planning to become the Bank of Mum and Dad

Nov 27, 2020

If your children are struggling to get a foot onto the housing ladder, you might be thinking about lending a helping hand.

DIY disasters that could knock thousands off your home’s asking price

Nov 27, 2020

Do you fancy yourself as the next ‘Handy Andy’ or Anna Ryder Richardson?

3 monstrous mortgage mistakes to avoid

Oct 28, 2020

Halloween is here – a time for ghosts, witches and embarrassing costumes.

5 ways to save money on your life insurance

Dec 17, 2020

Taking out life insurance is a great way of providing your loved ones with a financial safety-net in the event of your death.

How to teach your children about money

Dec 17, 2020

Teaching your children about money is an indispensable life lesson that will boost their chances of a financially secure adulthood.