Member Blog

While pensions might seem like a complicated topic, understanding the basics is the first and most crucial step toward securing a comfortable retirement.

At its core, a pension is a long-term savings plan with one simple purpose: to provide you with an income when you stop working. Unlike a standard savings account, a pension is specifically designed for retirement, so the money you put in can’t be accessed until you reach a certain age.

Types of Pension

In the UK, there are three main types of pensions:

·        The State Pension: This is the basic pension provided by the government. To qualify, you need to have paid National Insurance contributions for a certain number of years. It acts as a safety net, but it’s typically not enough to live on comfortably. The State Pension age is also rising, so you can’t be sure of when you’ll be able to access it.

·        Workplace Pensions: If you’re employed, you’re likely “auto-enrolled” into a workplace pension scheme. You, your employer, and the government all contribute to it. This is a powerful tool because your employer’s contributions effectively give you free money.

·        Personal Pensions: If you’re self-employed or simply want to save more, a personal pension allows you to manage your own retirement savings. You choose the provider and how your money is invested.

The Main Issues: Why Pension Planning Is Crucial

Despite the clear benefits, many people put off pension planning.

Here are the main issues we see:

·        “Set It and Forget It” Mentality: While auto-enrolment is great, many people contribute only the minimum amount and then forget about their pension. This can leave them with a much smaller pot than they need.

·        The “Pension Puzzle”: Over a career, you may have multiple jobs, leaving you with several small, scattered pension pots. Keeping track of them and knowing how they’re performing can be a huge headache, leading to billions in unclaimed funds.

·        Inflation & Cost of Living: A pension pot that looks healthy today might not buy as much tomorrow. The value of your savings can be eroded by inflation, making it essential to ensure your money is invested effectively to grow over time.

The Three Pillars of a Strong Pension Plan

So, what can you do to take control in this confusing environment? It’s simpler than you might think, and it all starts with a proactive approach.

Pillar 1: Find Your Missing Pots

This is often the easiest and most rewarding first step. Over a career, it’s common to lose track of old workplace pensions. Do you have old paperwork in a drawer? Do you remember a pension from a job you had a decade ago? These small pots can add up to a significant sum, and locating them is the first step to consolidating your retirement savings.

Finding these pots and bringing them together into a single, manageable fund offers a host of benefits:

Clarity: You get a single, clear view of your total retirement savings.

Simplicity: Fewer accounts mean less paperwork and less to manage.

Reduced Fees: You can often save on fees by combining multiple small pots into a larger one.

Pillar 2: Understand Your Goals

What does a comfortable retirement look like for you? A few more holidays? A new hobby? Simply living without financial stress?

This is where a good financial adviser becomes your most valuable partner. By understanding your goals, we can help you calculate exactly how much you need to save to make that dream a reality.

Pillar 3: The Power of Independent Advice

The final and most crucial pillar is seeking professional help. A good, independent financial adviser is worth their weight in gold.

We can:

Consolidate Your Pensions: We have the tools and expertise to locate your old pension pots and handle the paperwork to bring them all together.

Create a Holistic Strategy: We look at your entire financial picture, from savings and investments to your attitude to risk, to build a pension strategy that is tailored specifically for you.

Navigate the Complexities: We stay on top of all the political and legislative changes so you don’t have to. We’ll help you understand how potential reforms might affect you down the line and adjust your strategy accordingly.

Pensions Awareness Week: Your Moment to Act

Pensions Awareness Week is a reminder to take charge of your financial future. While politicians will continue to debate, you have the ability to act right now. Take this opportunity to check on your pension, find those old pots, and start thinking about the future you want to create.

How We Can Help

Get on the front foot of your pension.

At Brancaster House Financial Planning, our team of independent advisers is here to help. Are you retirement ready? Book a free financial healthcheck to see what you might need.

Never miss an !

Enjoyed this post? Stay inspired and informed by subscribing to our monthly newsletter, the Brancaster Bulletin! Get market insights, expert financial tips, and the latest updates and event info delivered straight to your inbox. Sign up here: https://www.brancasterhouse.co.uk/brancaster-bulletin 

PACT has been providing second chances for animals for the past 30 years, and the demand for our charity to care for and support neglected and abandoned animals only continues to rise.

We are a small local charity caring for local animals and supporting people in the community. We rely entirely on the generosity of our supporters to fund our work to help any animal that needs our care.

There is one way you can help PACT far into the future. Please consider leaving a gift in your Will to help us provide the second chances these animals need.

Did you know that nearly two-thirds of adults in the UK don’t have a will? Making a will is crucial to ensure your assets are distributed according to your wishes. We’re delighted to offer our supporters the chance to write their wills for free through Farewill, a simple and effective online service that is highly regarded as the UK’s best rated will provider. 

With Farewill, you can complete your will in a time that’s convenient to you, from the comfort of your home. Plus, Farewill specialists will check your completed will to make sure your wishes are clear.

Write your Will for free online

We have partnered with Farewill and are now able to offer you an exclusive opportunity to write, or , a simple Will for free. You can do it online or over the phone.

Click here to start writing your Will for free! 

If you don’t feel confident writing a will online, one of the Farewill specialists would be happy to make your will over the phone. They can then get it printed, bound and sent out to you in the post.

Book a free call-back to get started.

Thank you for your ongoing support. 

FAQ’s

Do I have to leave a gift to the charity if I use the service?
There’s absolutely no obligation to leave a gift. Supporters who use the service may take care of their loved ones first. We’re always grateful to anyone who chooses to leave a gift, but it’s entirely your choice.

What type of gifts can I leave to the charity?
You can leave a specific amount of money, a percentage of your estate, or even a specific item. There are three main types of gifts:

The decision of what kind of gift to leave, or whether to leave one, is entirely yours.

1. A share of your estate (residuary gift)

2. A fixed sum of money (pecuniary gift)

3. A specific item, such as jewellery or property

How long does it take to write a will?
For most people, writing their will takes under 30 minutes with Farewill. It’s simple, guided, and you can do it at your own pace. 

Does the charity pay for this?
Gifts in wills are vital to our charity. We provide supporters with the opportunity to write their will for free through our partnership with Farewill. While we encourage you to consider leaving a gift, the charity covers the cost of the will. Typically, the RRP of a will is from £100.

It seems too good to be true – is there a catch?
There’s no catch. Farewill are the UK’s best rated will writer and have won multiple awards for their service. We partner with Farewill to offer you our Free Will Service. In return, we hope you will consider including our organisation a gift in your will. 

Farewill offer additional services for you to consider when writing your will, however these are completely optional.

Pensions Awareness Week (15th to 19th September 2025) is officially here; and its a perfect time to take a close look at your financial future.

While pensions might seem like a complicated topic, understanding the basics is the first and most crucial step toward securing a comfortable retirement.

At its core, a pension is a long-term savings plan with one simple purpose: to provide you with an income when you stop working. Unlike a standard savings account, a pension is specifically designed for retirement, so the money you put in can’t be accessed until you reach a certain age.

Types of Pensions

In the UK, there are three main types of pensions:

·        The State Pension: This is the basic pension provided by the government. To qualify, you need to have paid National Insurance contributions for a certain number of years. It acts as a safety net, but it’s typically not enough to live on comfortably. The State Pension age is also rising, so you can’t be sure of when you’ll be able to access it.

·        Workplace Pensions: If you’re employed, you’re likely “auto-enrolled” into a workplace pension scheme. You, your employer, and the government all contribute to it. This is a powerful tool because your employer’s contributions effectively give you free money.

·        Personal Pensions: If you’re self-employed or simply want to save more, a personal pension allows you to manage your own retirement savings. You choose the provider and how your money is invested.

The Main Issues: Why Pension Planning Is Crucial

Despite the clear benefits, many people put off pension planning. Here are the main issues we see:

·        “Set It and Forget It” Mentality: While auto-enrolment is great, many people contribute only the minimum amount and then forget about their pension. This can leave them with a much smaller pot than they need.

·        The “Pension Puzzle”: Over a career, you may have multiple jobs, leaving you with several small, scattered pension pots. Keeping track of them and knowing how they’re performing can be a huge headache, leading to billions in unclaimed funds.

·        Inflation & Cost of Living: A pension pot that looks healthy today might not buy as much tomorrow. The value of your savings can be eroded by inflation, making it essential to ensure your money is invested effectively to grow over time.

The Three Pillars of a Strong Pension Plan

So, what can you do to take control in this confusing environment? It’s simpler than you might think, and it all starts with a proactive approach.

Pillar 1: Find Your Missing Pots

This is often the easiest and most rewarding first step. Over a career, it’s common to lose track of old workplace pensions. Do you have old paperwork in a drawer? Do you remember a pension from a job you had a decade ago? These small pots can add up to a significant sum, and locating them is the first step to consolidating your retirement savings.

Finding these pots and bringing them together into a single, manageable fund offers a host of benefits:

Clarity: You get a single, clear view of your total retirement savings.

Simplicity: Fewer accounts mean less paperwork and less to manage.

Reduced Fees: You can often save on fees by combining multiple small pots into a larger one.

Pillar 2: Understand Your Goals

What does a comfortable retirement look like for you? A few more holidays? A new hobby? Simply living without financial stress?

This is where a good financial adviser becomes your most valuable partner. By understanding your goals, we can help you calculate exactly how much you need to save to make that dream a reality.

Pillar 3: The Power of Independent Advice

The final and most crucial pillar is seeking professional help. A good, independent financial adviser is worth their weight in gold. We can:

Consolidate Your Pensions: We have the tools and expertise to locate your old pension pots and handle the paperwork to bring them all together.

Create a Holistic Strategy: We look at your entire financial picture, from savings and investments to your attitude to risk, to build a pension strategy that is tailored specifically for you.

Navigate the Complexities: We stay on top of all the political and legislative changes so you don’t have to. We’ll help you understand how potential reforms might affect you down the line and adjust your strategy accordingly.

Pensions Awareness Week: Your Moment to Act

Pensions Awareness Week is a reminder to take charge of your financial future. While politicians will continue to debate, you have the ability to act right now. Take this opportunity to check on your pension, find those old pots, and start thinking about the future you want to create.

How We Can Help

Get on the front foot of your pension.

At Brancaster House Financial Planning, our team of independent advisers is here to help. Are you retirement ready? Use our retirement health check to see what you might need.

Never miss an !

Enjoyed this post? Stay inspired and informed by subscribing to our monthly newsletter, the Brancaster Bulletin! Get market insights, expert financial tips, and the latest updates and event info delivered straight to your inbox. Sign up here: https://www.brancasterhouse.co.uk/brancaster-bulletin

Feeling overwhelmed by marketing? You’re not alone. Most small business owners in the UK wear multiple hats, and while you know marketing is absolutely crucial for growth, figuring out where to start, what to do, and how to do it effectively can feel like navigating a dense fog.

You’ve heard the buzzwords – SEO, social media, content marketing, lead generation – but turning those concepts into tangible results for your business can seem daunting.

The truth is, there’s no “one-size-fits-all” marketing solution. What works for one business might not be right for another, and what you need right now might be different from what you need next year. The key isn’t to do all the marketing, but to find the right level of marketing support that fits your current needs, budget, and bandwidth.

That’s where I come in. I’m Rechenda, and at Rechenda Does Marketing, I’m here to guide you through that fog. I believe in empowering business owners, not overwhelming them. That’s why I offer a tiered approach to marketing support, designed to meet you exactly where you are – whether you want to learn to do it yourself, collaborate closely, or simply hand it over to an expert.

DIY Marketing: Master Your Skills, Your Way

Are you a goal-getter? Someone who thrives on learning new skills and loves the satisfaction of achieving things independently? Do you have the time and enthusiasm to immerse yourself in marketing, but just need the right roadmap and tools? Then the DIY Marketing approach is perfect for you.

This option is specifically designed for small business owners, solopreneurs, small family business owners and start-ups who are working with a tighter budget but have an abundance of drive.

You want to understand the mechanics of marketing, create your own strategies, and execute them with confidence. My DIY resources are built to empower you to do just that.

What you gain:

• Flexibility & Affordability: Learn at your own pace, on your own schedule, without the higher investment of one-on-one or outsourced services.

• Foundational Knowledge: My off-the-shelf courses and digital resources are packed with practical, actionable strategies and templates. From understanding your ideal customer to crafting compelling social media posts, you’ll gain the foundational knowledge you need to build a robust marketing presence.

• Empowerment: The satisfaction of building your marketing engine from the ground up, with the confidence that you’re using proven techniques.

You bring the dedication, and I provide the expert guidance and resources to help you master your marketing skills, your way. It’s about giving you the power to succeed independently, equipped with the best advice and materials.

Do-It-Together: Guided Expertise for a Bespoke Strategy

Perhaps you’ve dipped your toe into DIY marketing, or you have a good grasp of the basics, but you’re hitting a wall.

You know what you should be doing, but you’re struggling with the how for your unique business. Or maybe you need a fresh perspective and a strategic mind to help refine your plans. This is where my Do-It-Together service shines.

This collaborative approach is ideal for business owners who are hands-on and want to be deeply involved in their marketing strategy, but need expert guidance to ensure they’re on the right track.

You’re ready to dedicate time to your marketing but want to fast-track your results with bespoke training and direct input from an experienced professional.

How it works:

• Half-Day or Full-Day Intensive Sessions: We’ll book a dedicated block of time where we work together, side-by-side. These aren’t just generic lectures; they’re dynamic, interactive sessions tailored specifically to your business and your marketing challenges.

  
  

• Bespoke Strategy & Training: We’ll dive deep into your goals, target audience, and current efforts. I’ll train you on specific techniques, help you design compelling campaigns, and collaboratively strategise your next moves. Whether it’s optimising your content calendar, crafting a killer email sequence, or refining your social media voice, we’ll tackle it together.

  
  

• Accelerated Progress: By having an expert guiding your efforts in real-time, you’ll gain clarity and confidence, enabling you to implement effective strategies much faster than if you were working alone.

  
  

This is about turning your marketing intentions into actionable, results-driven plans. It’s a strategic partnership designed to empower you with custom knowledge and a clear path forward, leveraging my expertise directly for your unique business needs.

Do-It-For-You: Your Marketing, Managed by a Professional

For many business owners, time is the ultimate luxury. You’re busy running your company, serving clients, and managing your team.

You know marketing needs to happen, and it needs to be effective, but you simply don’t have the time or the in-house expertise to do it justice. This is where the Do-It-For-You service becomes invaluable.

This option is perfect for established businesses, busy founders, or growing companies who need a comprehensive, hands-off marketing solution.

You want results, and you want to delegate the complex, time-consuming marketing tasks to a trusted professional so you can focus on what you do best.

What I take off your plate:

• Website in a Week & Smart Strategy: Need a professional, lead-generating website quickly? I can design and launch a focused site for you, integrated with a smart, tailored marketing strategy to ensure it works hard for your business from day one.

  
  

• Comprehensive Content Packs:

  
  

  • Social Media Management: From crafting engaging posts to scheduling and community management, I can create and manage your social presence, ensuring consistency and growth.

  • Blogging: High-quality, SEO-friendly blog posts that position you as an industry expert and drive organic traffic to your website.

  • E-Newsletter Campaigns: Engage your audience and nurture leads with expertly written and designed email newsletters.

    
    

• Professional Design Packs:

  
  

  • Email Templates: Custom-designed, branded templates for newsletters, event invitations, or one-off promotions that make your emails stand out.

  • Social Media Templates: Consistent, on-brand templates that make creating visually appealing social content a breeze (or I can do it for you!).

    
    

• LinkedIn Profile Optimisation & Running: Your LinkedIn profile is your professional shop window. I can optimise it for maximum impact and even manage your activity to grow your network and enhance your professional presence.

  
  

With the Do-It-For-You service, you gain a dedicated marketing department without the overheads. It’s about peace of mind, knowing your marketing is being handled strategically and professionally, freeing you up to focus on core business operations.

Find Your Perfect Fit

No matter where you are on your marketing journey, or what your current business needs and budget dictate, there’s a solution that fits.

From empowering you with the knowledge to do it yourself, to collaborating closely to craft a bespoke strategy, or taking the entire marketing burden off your shoulders, my goal is always the same: to help your business thrive.

Ready to stop guessing and start growing? Whether you’re eager to learn, keen to collaborate, or simply want to hand it over to an expert, I’m here to help.

Let’s chat about which marketing support option is the right fit for your business.

When to Provide Catering for Your Corporate Event (and How to Get the Timing Right)

When it comes to corporate events, catering isn’t just about serving food—it’s about serving purpose. The timing and type of catering you choose can shape energy levels, encourage networking, and keep your agenda running smoothly.

Get it right, and your attendees will stay engaged, alert, and satisfied. Get it wrong, and you risk mid-session yawns, food comas, and distracted guests checking their watches.

Here’s how to time your catering so it enhances—not interrupts—your event.

__________________________________________________________________________________________

1. Match Catering Times to Event Goals

●      Registration / Welcome Period
 Greet early arrivals with light refreshments—think coffee, tea, pastries, and fresh fruit. It sets a warm, welcoming tone and keeps guests occupied until things kick off.

●      Comfort Break
 If your event runs several hours, schedule a light break around 10–10:30 AM, or even offer breakfast catering to energize your attendees.

●      Lunch
 Lunch typically falls between 12–1 PM. Keep it on time—hungry attendees quickly lose focus.

○      Networking-focused? Go for buffet or boxed lunches.

○      Formal setting? Choose plated service.

●      Afternoon Break
 A small boost around 3 PM helps maintain focus through the final stretch. Fruit, biscuits, coffee, and tea are perfect here.

2. Avoid the “Food Coma” Trap

Schedule heavier meals before low-intensity sessions (like networking or casual breakouts), and lighter options before high-focus activities such as keynotes or training. Heavy lunches right before a critical presentation can be a recipe for drowsy delegates.

3. Build Around Agenda “Energy Points”

Plan catering around the natural rhythm of the day:

●      Before a meal → High-energy, high-focus sessions.

●      After a meal or snack → Lower-pressure activities, networking, or creative workshops.

4. Think Practical

●      Serving Logistics: Minimize long queues with multiple serving stations or staggered service.

●      Dietary Inclusivity: Clearly label vegetarian, vegan, gluten-free, and allergy-friendly options, as well as providing the venue with dietary restrictions well in advance so they can accommodate everyone.

5. Quick Catering Guidelines

●      Think “No Fork” Friendly → Make it easy for guests to eat while standing or networking.

●      Include Variety → Cater to different diets and tastes.

●      Keep Portions Small → Encourages mingling and avoids waste.

●      Stay Balanced → Mix proteins, healthy carbs, and fresh produce to maintain steady energy.

When Catering Becomes Essential

If your corporate event lasts more than four hours, catering stops being a nice-to-have and becomes a necessity. Here’s why:

1. Attendee Comfort & Focus

After 2–3 hours, energy and concentration drop. Food and drink help reset the room.

2. Professional Expectation

Corporate attendees expect catering for half-day or full-day events—it’s part of the experience.

3. The Catering Rule of Thumb

●      Under 2 hours → No catering needed (maybe water/coffee).

●      2–4 hours → Light refreshments.

●      4–6 hours → One substantial meal plus a snack or coffee break.

●      Full-day (6+ hours) →lunch and at least one snack break.

4. Extra Considerations

●      Event Type: Networking events benefit from more finger food variety.

●      Time of Day: Spanning mealtimes? Provide a proper meal.

●      Budget vs. Perception: Cutting catering might save money, but it can make the event feel less polished.

✅ Bottom line: Thoughtful catering timing isn’t just about feeding people—it’s about fueling their attention, energy, and overall event experience. Plan it right, and your guests will leave full of both ideas and good impressions.

SharePoint:

Keep it on-premise under your own roof, or move it to the cloud and let someone else do the ironing?

Both options have real benefits. It’s all about control, cost, and how your team actually works.

At Beacon IT we break it down simply:

✅ On-premise — maximum control, custom compliance, ideal if you need tight data residency.
✅ Online (SharePoint in Microsoft 365) — lower maintenance, always up to date, great for remote teams and collaboration.
✅ Hybrid — the sensible middle ground when you can’t decide… or when you actually need both.

We cover costs, security, user experience and the migration traps worth avoiding. All in plain English, no IT-speak ?

? Read the full article: https://www.beaconit.co.uk/sharepoint-on-premise-vs-online
? Fancy a chat about which option fits your business? Drop us a line.

Great feedback just in from a first-time buyer and self-employed company director for our mortgage advisor, Jayne Routledge:

“I just wanted to say thank you so much for the past year and a half for helping me along the whole process of buying my first home and answering all and any questions that I had.”

Choosing an independent mortgage advisor means getting tailored advice, access to a wider range of lenders, and someone who truly works in your best interest, not the bank’s.

At Brancaster House, we take pride in guiding our clients through every step, from first-time buyer to remortgage and beyond.

We’re here for your whole journey.

Need mortgage advice? Book in your free initial advice slot here: https://www.brancasterhouse.co.uk/mortgagesnorwichnorfolk

Protect Your Workplace with Shield Health & Safety Solutions

In today’s fast-paced industrial and corporate environments, workplace safety is more critical than ever. Shield Health & Safety provides comprehensive safety solutions designed to protect your most valuable asset—your employees. Whether you’re seeking top-quality safety training, risk assessments, or compliance guidance, our expertise ensures your business stays safe and compliant.

Why Choose Shield Health & Safety?

At Shield Health & Safety, we understand the complexities of occupational health and safety regulations. Our tailored safety solutions reduce workplace accidents, improve employee wellbeing, and help your business meet legal standards. We offer a complete range of Health & safety RTITB, AITT training program, risk assessments & Safety Consultations,  we are an IOSH accredited training provider: Identify hazards before they become problems. Safety Training & Compliance: Equip your staff with the knowledge needed to maintain a safe working environment.

Benefits of Prioritizing Workplace Safety Investing in health and safety not only safeguards your employees but also benefits your business through: Reduced workplace accidents and injuries Lower insurance premiums Improved employee morale and productivity

Contact Us Today! Ready to enhance your workplace safety?

Contact Shield Health & Safety for customized solutions tailored to your industry. Our team of safety experts is committed to creating safer work environments—because safety is not just a requirement, but a priority. We serve businesses across the region. Call us on: 01603 652029 or see more details on the website to learn more. Boost Your Workplace Safety with Shield Health & Safety.

By choosing Shield Health & Safety, you’re investing in a safer, healthier, and more productive workplace. Get in touch now and take the first step toward safer operations!

Call today:01603 652029

[email protected]

If you’ve got a mortgage, chances are you’ve seen your monthly payments rise sharply in the last couple of years. Whether you’re on a fixed rate that’s about to end, or you’ve already slipped onto your lender’s standard variable rate, the big question we often get asked is: 

“When should I start looking for my remortgage deal?” 

And the short answer? Sooner than you think. 

At Brancaster House Financial Planning, we support people across Norwich and Norfolk in making sense of big financial decisions—including their mortgage. In this post, we’ll break down when and why to start looking for a new deal, what to expect from the process, and how to avoid the most common (and costly) pitfalls. 

Why Timing Matters with Remortgaging 

Let’s start with the basics. A remortgage simply means switching your current mortgage to a new deal. That could be with your existing lender or a new one altogether. People remortgage to: 

• Get a better interest rate  

• Fix their monthly payments  

• Borrow more for home improvements  

• Adjust the length or terms of their mortgage  

But here’s the catch: if you wait until your deal ends before acting, you could end up paying far more than necessary. 

Most fixed-rate deals automatically roll over to the lender’s standard variable rate (SVR) when they end. This rate is often significantly higher—sometimes by several percentage points. Even just a few months on the SVR can cost you hundreds of pounds more. 

So, When Should You Start Looking? 

In most cases, you should start shopping around 6 months before your current deal ends. 

Many lenders allow you to secure a new rate up to 6 months in advance. This means: 

• You can lock in a deal early (especially useful in a rising rate environment)  

• Your new rate doesn’t start until your current deal ends  

• You’ve got time to compare options, gather paperwork, and avoid rushing decisions  

If interest rates improve between now and the start date, some lenders will even let you switch to a better rate closer to completion—so you’ve got flexibility both ways. 

Why Leave It So Long? 

We know what you might be thinking: 

“Six months ahead? That feels a bit early.” 

But here’s why that timing works: 

1. You’re not rushed 

Trying to sort a remortgage with just a few weeks to go can feel like cramming for an exam. Remember, the process itself can take 4-8 weeks from application to completion, so you might rush into a deal that’s not right, or miss important details. 

2. You’re protected from rate rises 

If interest rates climb over the next few months, locking in early gives you a buffer. 

3. You’ve got time to fix any hiccups 

If your credit score needs work, your income has changed, or you need updated paperwork from your accountant or employer—starting early gives you breathing space. 

What You’ll Need to Get Started with your remortgage 

Remortgaging is generally simpler than applying for a mortgage for the first time, but there are still things you’ll need to provide. Lenders will usually ask for: 

• Proof of income (payslips or tax returns if self-employed)  

• Details of your existing mortgage  

• Up-to-date bank statements  

• Information about any debts or financial commitments  

• A credit check  

You’ll also need to think about whether you want: 

• A fixed rate (for predictable payments)  

• A tracker (which moves with the Bank of England base rate)  

• A longer or shorter term  

• To borrow more (e.g. for renovations or debt consolidation)  

An independent adviser can help you weigh up the pros and cons and find a deal that fits your circumstances. 

What If I’m already on the SVR (Standard Variable Rate)? 

If your fixed-rate deal has already ended and you’ve been moved to the SVR, don’t panic—but don’t wait around either. 

Every month you spend on the standard variable rate is potentially money wasted. We recommend speaking to an adviser or starting your own comparison as soon as possible. In most cases, even switching back onto a new fixed-rate deal with the same lender could save you hundreds of pounds a year. 

Should I Stick With My Current Lender? 

That depends. Sometimes your current lender will offer a decent “product transfer” deal that doesn’t require a full remortgage application. That can be quicker and easier. 

But it’s always worth comparing this with what’s available elsewhere. Other lenders may offer better rates or incentives (like free legal fees or valuation costs), especially if you’ve built up more equity in your home since your last deal. 

An independent mortgage adviser can help you compare deals across the whole market—not just one provider—and explain the pros and cons of switching. 

Real-Life Example: Laura from Norwich

Laura, 45, came to us four months before her five-year fixed mortgage deal was due to end. She hadn’t thought to look yet, but her neighbour had just remortgaged and mentioned their payments were going up. 

After reviewing her situation, we helped Laura secure a new five-year deal with a different lender, saving her just over £130 per month compared to her lender’s SVR. Because we started early, there was no gap between the old deal ending and the new one starting. And she avoided the stress of last-minute paperwork and rushed decisions.  

What Happens If Rates Go Down After I Lock In? 

It’s a fair question—and one we hear a lot, especially when the market is a bit volatile. 

The good news is: locking in early doesn’t mean you’re stuck. 

Many lenders will let you switch to a better rate with them if it becomes available before your new deal starts. And even if not, the peace of mind of knowing your future payments are sorted is often worth it. 

A mortgage adviser can keep an eye on rate movements for you and help you decide whether it’s worth switching before completion. 

Final Thoughts: Don’t Leave It Too Late 

Remortgaging might not be the most exciting task on your to-do list, but it can make a big difference to your monthly outgoings—and your financial wellbeing more broadly. 

With interest rates still in the spotlight and household budgets feeling the pinch, getting ahead of your remortgage could be one of the smartest financial decisions you make this year. 

At Brancaster House, we’re here to help you navigate the process with confidence.  Whether you’re a homeowner, landlord, or local business owner with a mortgage tied to your premises, we’ll help you find a deal that works for you. 

When it comes to buying a home-or remortgaging-there’s no shortage of decisions to make. Fixed rate or tracker? Two years or five? Go direct to a lender or speak to a mortgage broker or adviser? 

One question we hear a lot at Brancaster House Financial Planning is: 

“Is it worth using a mortgage adviser—and how much do they charge?” 

It’s a fair question. Mortgages are one of the biggest financial commitments most of us ever make, and in today’s climate of rising rates and changing rules, it’s more important than ever to feel confident in your decisions. 

In this article, we’ll explain what mortgage advisers do, what they typically charge, and—most importantly—why the value they offer often goes far beyond the fee. 

What Does a Mortgage Adviser Actually Do? 

A mortgage adviser (or broker) helps you find the right mortgage for your needs. That might sound straightforward, but the reality is often far more involved. 

Here’s what a good adviser brings to the table: 

1. Whole-of-market access 

Rather than being tied to one lender, an independent adviser can search across a wide range of providers—including some that don’t deal directly with the public. 

2. Understanding your personal situation 

They’ll take time to understand your income, expenses, credit history, employment type, and future plans. That way, they’re not just finding you a deal—they’re finding the right deal for you. 

3. Helping you prepare the paperwork 

From payslips and bank statements to tax returns and ID checks, a broker will guide you through the paperwork and help you avoid unnecessary delays. 

4. Keeping things on track 

Once the application is submitted, they’ll chase it up, deal with any queries from the lender, and keep you informed every step of the way. 

5. Looking at the bigger picture 

At Brancaster House, we look at how your mortgage fits into your wider financial plan—whether that’s saving for retirement, helping your children, or managing other borrowing. 

So… How Much Does a Mortgage Adviser Charge? 

This depends on a few factors, but here’s a rough guide to what you might expect: 

Some advisers are free to you 

Many advisers are paid a commission (also known as a procuration fee) by the lender when your mortgage completes. This is typically between 0.3% and 0.5% of the loan amount. In some cases, the adviser won’t charge you anything on top. 

Others charge a fixed fee or percentage 

This could be: 

• A flat fee (e.g. £295 or £495)  

• A percentage of the mortgage (e.g. 0.3%)  

• A combination of a smaller fee plus commission from the lender  

At Brancaster House, we’re fully transparent with our fees from the outset. You’ll know exactly what you’ll pay (if anything), and when, with no hidden surprises. 

“Why Would I Pay a Fee When I Can Go to the Bank for Free?” 

This is a common question—and an understandable one. But here are a few important points to consider: 

1. Going direct limits your options 

If you only go to your bank, you’re only seeing what they offer. That’s a bit like walking into one shop on the high street and buying the first coat you try on. You might get lucky—but you might not. 

An adviser will compare deals from across the market, potentially saving you thousands over the life of the loan. 

2. Your situation might not be ‘standard’ 

If you’re self-employed, have multiple income sources, a less-than-perfect credit score, or are looking at something slightly outside the norm (like a buy-to-let or shared ownership scheme), an adviser can find lenders who are more likely to say yes—and explain why. 

3. The true cost of the wrong deal is often far higher than the adviser’s fee 

Overpaying by even 0.5% on your interest rate could cost you thousands. A fee of a few hundred pounds pales in comparison if it gets you a better rate, a more flexible product, or approval where others said no. 

Real-Life Example: Chris & Emily from Norfolk 

Chris and Emily were first-time buyers with modest deposits. They’d spoken to their bank, who offered a fixed-rate deal that felt OK—but not amazing. A friend recommended they speak to a broker first, “just in case.” 

They got in touch with us here at Brancaster House. After a chat, we found a lender who offered a better rate, with lower upfront fees, and was happy to work with their blended income (Chris was employed, Emily self-employed). 

Is a Mortgage Adviser Worth It? 

We genuinely believe the answer is yes—especially in today’s market. 

Here’s why: 

• Rates change fast  A broker can help you move quickly and lock in deals before they disappear.  

• Rules are getting stricter  Lenders look at affordability, credit history, and income in more detail than ever. Having someone guide you through the process reduces the risk of being turned down or delayed.  

• You get personal advice  It’s not just about finding the cheapest rate. It’s about making sure the product suits your life plans—whether that’s overpaying, moving in a few years, or reducing your term.  

• It saves you time and stress  Instead of juggling forms, chasing lenders, and trying to understand what an ERC or LTV really means, you’ve got someone doing it all for you.  

Choosing the Right Broker for You 

Not all mortgage advisers are created equal. If you’re considering using one, here are a few things to check: 

• Are they independent or tied to one or a handful of lenders?  

• Do they charge a fee, and if so, how much and when?  

• Do they explain things clearly, without jargon?  

• Can they support you throughout the process, not just at the start?  

At Brancaster House, we’re not a call centre or a comparison site. We’re a local team offering advice that’s tailored, professional, and grounded in the real world. Whether you’re buying your first home, moving up the ladder, or just looking for a better deal, we’re here to help. 

Final Thoughts: You’re Not Just Paying for a Mortgage—You’re Paying for Peace of Mind 

The value of a mortgage adviser isn’t just in finding you a deal. It’s giving you confidence. Confidence that your mortgage fits your life, that your paperwork’s in order, and that someone is in your corner from start to finish. 

And in a market where rates can jump overnight, affordability rules change regularly, and even “simple” applications can feel anything but—that peace of mind is worth every penny. 

Thinking about a mortgage or remortgage? 

Let’s chat. We’ll talk you through your options, outline any costs upfront, and help you decide if working with a broker is right for you. 

When it comes to financial planning, most people tend to focus on what they have: pensions, ISAs, property, or savings accounts. But knowing what you own is only half the story. The real question is: Will it be enough to support the life you want—both now and in the future? 

At Brancaster House Financial Planning, we believe that financial confidence doesn’t come from guesswork. It comes from clarity—and one of the most powerful tools to provide that clarity is cash flow analysis. 

Let’s explore what it is, why it matters, and how it can help you make smarter financial decisions—whether you’re planning for retirement, supporting your family, or simply looking to take control of your finances. 

 What Is Cash Flow Analysis? 

In simple terms, cash flow analysis is a way of looking at how money moves in and out of your life—year by year, and even month by month. But unlike a basic spreadsheet, our approach uses sophisticated modelling tools to project your finances over the long term. 

We look at: 

• What you own (pensions, savings, property, investments)  

• What you earn (salary, rental income, dividends, state benefits)  

• What you spend (essential costs, discretionary spending, future goals)  

• What might change (inflation, market returns, health needs, life events)  

The result? A clear picture of whether your current and future finances are likely to support the life you want to live—now, in retirement, and beyond. 

Why Guessing Isn’t Good Enough 

Most people have some idea of their financial position. Maybe they’ve done the odd calculation or reviewed a pension statement. But without context, that information can be misleading. 

You might be asking yourself: 

• “I’ve got a few pensions – surely that’s enough?”  

• “I’ve always lived within my means – do I really need to plan that far ahead?”  

• “I’ll just work it out when I get closer to retirement.”  

Here’s the problem: those assumptions can leave you vulnerable. Financial decisions made on gut instinct or outdated information often miss the mark. And when it comes to long-term planning, missed opportunities can be costly—both financially and emotionally. 

How Cash Flow Analysis Helps 

Here’s what a robust cash flow analysis can do that guesswork simply can’t: 

1.  It shows you the big picture 

Cash flow forecasting allows you to see all your assets, income streams, and expenses in one place—now and projected into the future. It’s not just about how much you have, but how it all fits together. 

2. It brings your goals into focus 

Whether you want to retire at 60, help your children buy a home, or travel the world in your 70s—every goal has financial implications. Cash flow analysis allows you to model different scenarios and see the impact of each choice. 

3. It highlights shortfalls early 

Maybe you’re not saving enough. Maybe you’re taking on more risk than you realise. Maybe your plans are sound—but only if you downsize in 10 years. Whatever the case, spotting these issues early gives you more freedom to adapt. 

4. It helps you manage risk 

Life doesn’t always go to plan. With cash flow forecasting, we can test how your finances would cope with inflation spikes, market downturns, changes to tax rules, or unexpected expenses. It’s not about pessimism—it’s about resilience. 

5. It provides peace of mind 

More than anything, cash flow analysis gives you clarity. You’ll know where you stand, what’s possible, and what actions to take next. For many clients, that peace of mind is the most valuable benefit of all. 

Real Life, Real Impact 

Let’s look at a couple of examples: 

Clare, 59, was planning to retire in three years. She had several pensions and assumed they’d cover her needs. But after running a cash flow analysis, we discovered a shortfall starting at age 75 due to inflation and care costs. By adjusting her pension drawdown strategy and using her ISA allowances more efficiently, we helped her close the gap without delaying retirement. 

James and Sophie, both in their 40s, were juggling school fees and mortgage payments. They wanted to help their children with university costs but weren’t sure if they could afford to without compromising their retirement. Our cash flow model helped them map out a plan that covered both priorities—with room to spare for a few holidays along the way. 

Your Life, Your Plan 

At Brancaster House, we don’t believe in cookie-cutter plans. Your cash flow model is built entirely around your life: 

• Want to downsize in ten years? We’ll model that.  

• Planning to support elderly parents? We’ll factor that in.  

• Expecting an inheritance, or considering gifting money to your children? We’ll show you how it could affect your future.  

Every decision, from how you invest to when you retire, can be tested within your cash flow forecast. It’s your personal financial roadmap—flexible, realistic, and aligned with your goals. 

It’s Not Just About Retirement 

While cash flow planning is often used to support retirement decisions, its benefits go far beyond that. We regularly use it to help clients: 

• Decide whether to change careers or go part-time  

• Explore the affordability of a house move  

• Understand the long-term impact of gifting or supporting children  

• Plan around inheritance tax or business succession  

• Work out how much they can spend now, without jeopardising future plans  

When life gets complex, cash flow planning helps bring clarity. It turns big, abstract decisions into clear, actionable steps. 

When Should You Start? 

The earlier the better. Cash flow analysis isn’t just for those nearing retirement—it’s for anyone who wants to take control of their financial future. Even if you’re 10 or 15 years away from key life events, the choices you make now can have a huge impact on the flexibility and freedom you’ll enjoy later. 

And if you’re already approaching a milestone? It’s not too late. Many of our clients come to us with just a few years to go before retirement. With the right insight and advice, we help them make confident, informed decisions that align with what matters most. 

Ready to Get Started? 

Cash flow analysis isn’t about predicting the future. It’s about preparing for it. It’s the difference between hoping things will work out and knowing you’re on solid ground. 

At Brancaster House Financial Planning, we offer every client access to personalised cash flow modelling every year, as part of a wider, tailored financial plan. We’ll help you understand what you’ve got, where you’re headed, and what to do next. 

If you’re ready to gain a clearer view of your financial future—get in touch. We’re here to help you plan with confidence. 

Book a free, no-obligation financial health check today and take the first step toward a financial plan that supports your lifestyle, your values, and your future. 

If you run your own business, chances are you’ve said (or thought) something along the lines of: 

“I’m not paying into a pension – my business is my pension.” 

It’s a mindset we come across often here at Brancaster House Financial Planning. As a small, independent firm based in Norwich, we work with many local business owners who are pouring everything they’ve got into building and growing their business. And we get it. 

When you’re self-employed or running a family business, retirement planning often takes a backseat. You’re dealing with the day-to-day: managing cash flow, paying staff, keeping clients happy. Thinking about pensions or life after work can feel like a luxury you don’t have time for. 

But here’s the thing: assuming your business will look after you in retirement can be a dangerous bet. 

Let’s talk through why this thinking can cause problems down the line—and what a more balanced approach might look like. 

 The Assumption: “I’ll Sell Up and That’ll Fund My Retirement” 

For many small business owners, the long-term plan goes something like this: 

“I’ll build the business up, sell it when I’m ready to retire, and that lump sum will be my pension.” 

That’s not completely unreasonable—businesses do hold value. But there are a few things to consider before banking your entire future on that plan. 

The Reality: It Doesn’t Always Work Out That Way 

Here are some of the risks with relying solely on your business to fund your retirement: 

1. Your Business Might Not Sell – Or Might Not Sell for What You Hoped 

Small, local businesses—especially ones that are closely tied to the owner—can be difficult to sell. If you are the business (e.g. a sole trader, consultant, or craftsperson), there may not be much to sell beyond tools, goodwill, or a customer list. 

Even if you do find a buyer, the sale price may be far lower than expected. Valuations are often based on consistent profit, systems, or the ability to run without you – which many small businesses don’t have if it’s all been built around your personal skills. 

2. Timing Isn’t Always On Your Side 

You might be planning to sell at 65, but life doesn’t always wait for the perfect moment. Health issues, family commitments, or economic downturns can shift your plans suddenly. If you need to retire sooner than expected, relying on a future sale puts a lot of pressure on what should be your time to slow down and enjoy life. 

3. You Could End Up Working Longer Than You Want To 

Without savings or pensions to fall back on, you may find yourself still running the business well into your 70s—not because you want to, but because you have to. We’ve seen cases where people carry on working simply because they don’t feel confident they can afford not to. 

A Better Way: Taking the Pressure Off Your Business 

We’re not saying your business won’t play a part in your retirement plan. It absolutely can—and should. But it shouldn’t be your only plan. 

Here’s what we recommend: 

1. Start Building Wealth Outside of Your Business 

Even small, regular contributions to a personal pension can go a long way. As a business owner, you can contribute personally or through your limited company—where contributions can often be an allowable business expense, offering significant tax reliefs. 

You might also look at: 

• ISAs for tax-free savings  

• Property (if suitable for your circumstances)  

• General investment accounts for additional flexibility  

This helps to spread your risk, so you’re not putting all your eggs in one basket. 

2.  Understand What You’ll Actually Need 

Do you know what your retirement might cost? It’s not just about replacing your income—it’s about covering your living costs, factoring in inflation, and giving yourself room to enjoy life. 

At Brancaster House, we use cash flow forecasting tools to help you see how things might pan out over time. This includes your business, pensions, savings, spending, and more. It’s a great way to get clarity and confidence about where you stand. 

Check out our article on the power of cash flow forecasting HERE 

3. Plan for a Gradual Step Back 

For many business owners, a phased retirement makes more sense than a hard stop.

Maybe you: 

• Reduce your hours  

• Pass things on to a family member or team member  

• Take on fewer clients  

• Continue earning a small income through consultancy or part-time work  

Planning for this gradual wind-down gives you more control and helps avoid the “all or nothing” pressure of selling up in one go. 

4. Think About Legacy and Succession Early 

If your plan involves handing over to your children, selling to a colleague, or finding a buyer in the local community, it pays to start that conversation sooner rather than later. 

Buyers and successors usually want time to get to know the business—and if they’re expected to run it without you, they’ll need to see that the systems and relationships are already in place. 

Real-World Example: Mark, Local Plumber 

Mark, 58, runs a successful plumbing business just outside Norwich. He has a few sub-contractors and a loyal customer base. For years, he said, “this is my pension.” 

But when we ran his numbers, we saw that: 

• Selling the business (mainly van, tools, and goodwill) would likely bring in less than £50,000  

• He hadn’t been paying into a pension since going self-employed 15 years ago  

• He wanted to slow down by 62 and stop completely by 65  

We helped Mark set up a company pension, make use of unused tax allowances from earlier years, and start moving a portion of his business profits into personal savings and investments. He’s also training up a younger plumber to take on more work over time. 

Now, instead of banking everything on a sale, he’s got multiple options—and a much clearer path to retirement. 

Final Thoughts: Don’t Leave It Too Late 

If you’re a small business owner and haven’t thought much about retirement planning yet, you’re not alone. But waiting too long can leave you in a tight spot. Your business is a valuable part of your financial future—but it’s not a pension on its own. 

The best retirement plans are the ones with options. Options to retire on your terms, step back gradually, or make choices that suit your life—not just your finances. 

At Brancaster House, we’re here to help you build a plan that feels right for you.  

If you’d like to find out where you stand, or explore how your business fits into your bigger retirement picture, Book a free, no-obligation financial health check today and take the first step toward a financial plan that supports your lifestyle, your values, and your future.