Mather & Murray Financial

Mather & Murray Financial believe all customers should be able to access quality advice no matter what their circumstances.

[Mather & Murray Financial @MatherAndMurray]

Swindon is more than the “practical” choice.

Avg house prices below Bristol & Cotswolds, active regen plans & growing recognition as a drone-tech hub, a strong case for buying in Swindon now.

https://t.co/nEQ4Req5xv

#Swindon #Property #MortgageAdvice #Cirencester #Bristol

[Mather & Murray Financial @MatherAndMurray]

From April 27 pensions fall into scope for IHT.

That means “double tax” family may face 40% IHT and then income tax on inherited pension withdrawals.

67% pension tax trap.
https://t.co/SILdkmgaqG
#Pensions #InheritanceTax #FinancialAdvice #Cricklade #Cirencester #Bristol

[Mather & Murray Financial @MatherAndMurray]

Can you get a mortgage at 65?

If you're using Right to Buy:
£180k home → £80k purchase
We break down:
✔ Mortgage options
✔ Family support
✔ Equity release

🔗 https://t.co/cJqrE5lcdi🏡-can-you-get-a-mortgage-at-65-to-buy-your-council-house/

[Mather & Murray Financial @MatherAndMurray]

Mortgage rates were settling…

Now global events are back in play.

Middle East tensions → oil → inflation → swap rates → mortgages.

We explain what’s happening + what to do:

🔗 https://t.co/cJqrE5lcdi🌍-how-the-middle-east-conflict-is-impacting-uk-mortgage-rates/

[Mather & Murray Financial @MatherAndMurray]

Thinking about buy-to-let?

Most people underestimate:
❌ Stamp duty
❌ Costs
❌ Structure

We break down a £150k example:
✔ 15% vs 20% deposit
✔ Real mortgage payments
✔ SPV vs personal ownership
🔗 https://t.co/pALfHIWU73

[Mather & Murray Financial @MatherAndMurray]

Tax thresholds are frozen until 2031.

Which means millions more people are paying income tax every year.

But there are still legal ways to generate tax-free income.

We explain 10 of them here 👇

🔗 https://t.co/cxdKs5HUic

[Mather & Murray Financial @MatherAndMurray]

Tax year end is weeks away
Are you:
✔ Using pension carry forward?
✔ Reviewing drawdown income?
✔ Planning for pensions moving into IHT?
✔ Maximising your ISA allowance?
If not, now is the time.
Financial advice in Swindon & Cirencester explained 👇
🔗 https://t.co/zC5q26UExq

[Mather & Murray Financial @MatherAndMurray]

Rejected for a mortgage?

Before you panic or apply again… stop.

Many buyers in Swindon, Cirencester & Bristol get declined simply because the wrong lender was approached.

We explain what to do next 👇

🔗 https://t.co/b2WAX5bAQ7

[Mather & Murray Financial @MatherAndMurray]

First-time buyers: the mortgage market has changed again.

✔ Falling rates
✔ Higher income multiples
✔ Low-deposit & high-LTV deals

If you’re buying in Swindon, Bristol or Cirencester, this could matter more than you think.
Read the full article 👇
🔗 https://t.co/3ZdbKhk5HX

[Mather & Murray Financial @MatherAndMurray]

Farmers face more IHT uncertainty than ever.
APR, BPR, frozen thresholds & constant policy changes have left many unsure where they stand.
We’ve written a clear guide on:
✔️ What’s changed
✔️ What still works
✔️ What farmers can do now
Read 👇
🔗 https://t.co/xAFaIbKYrD

[Mather & Murray Financial @MatherAndMurray]

Many SMEs defaulted into NEST for auto-enrolment — but is it still right for your business? 💡

A company pension review can improve investment choice, reduce costs and support staff wellbeing.

Here’s when it’s time to take another look 👇
https://t.co/1oX6lM67mO

[Mather & Murray Financial @MatherAndMurray]

Mortgages don’t have to feel like this 🐶🤯

2026 is a defining year for homeowners in Swindon & Cirencester — with changing lender rules, easing rates and smarter planning opps.

What U need to know https://t.co/KJqd2mOZx1
#MortgageAdvice #FinancialAdvice #Swindon #Cirencester

[Mather & Murray Financial @MatherAndMurray]

The Autumn Budget 2025: underwhelming… and exactly what Britain needed.
But don’t be fooled — this was a stealth tax Budget.
Here’s what changes for your taxes, pensions, ISAs and property- Full analysis 👇https://t.co/39Bj2mFtRh
#Budget2025 #FinancialAdvice

[Mather & Murray Financial @MatherAndMurray]

Nappies to uni, raising a child now costs £200k! 💸
With smart planning (+good adviser) doesn’t have to break the bank.
How to prepare for parenthood — financially and calmly:
👉 https://t.co/rSN4dZc06M
#FinancialAdvice #FamilyFinance #Parenting #Swindon #Cirencester #Bristol

[Mather & Murray Financial @MatherAndMurray]

Love and money don’t always mix — unless you’ve got a plan 💷💑

Discover how couples in Swindon, Cirencester & Bristol can strengthen their relationship and their finances with clear, independent advice.
👉 https://t.co/5VZgfnR2Ih
#FinancialAdvice #Swindon #Cirencester #Bristol

[Mather & Murray Financial @MatherAndMurray]

Your mortgage isnt just a loan it’s the cornerstone of your financial life 🏡💷.
See why combining mortgage advice & financial planning is the smartest move for clients in Swindon Bristol.
👉 https://t.co/m9D0f1ghB3
#MortgageAdvice #FinancialAdvice #Swindon #Bristol #Cirencester

[Mather & Murray Financial @MatherAndMurray]

Struggling to buy with a small deposit or need to borrow more than your bank allows? 🏡💰

High LTV & LTI mortgages are back - we specialise in placing the difficult cases.

👉 Read how we help clients:
https://t.co/jQkofaNJL2

#MortgageAdvice #Swindon #Bristol #Cirencester

[Mather & Murray Financial @MatherAndMurray]

Struggling to get a mortgage in Swindon or Cirencester? 🏡

We specialise in the difficult cases — self-employed, poor credit, unusual properties & more.
Many SJP clients turn to us for mortgage advice 👉 https://t.co/hgwe481nxG

#MortgageAdvice #Swindon #Cirencester #SJP

[Mather & Murray Financial @MatherAndMurray]

📢 Employers in Swindon & Cirencester: Auto-enrolment pensions are a legal duty — but also an opportunity. Discover your responsibilities, contribution rules & why advice matters

👉 https://t.co/GYs4JRpWFP

#AutoEnrolment #Pensions #FinancialAdvice #Swindon #Cirencester

[Mather & Murray Financial @MatherAndMurray]

🚨 St. James’s Place is under pressure to change fees & practices. Many clients in Cirencester & Swindon are reviewing their portfolios.

👉 Find out why switching to an independent adviser could benefit you:

https://t.co/d6xNBXhfCP

#FinancialAdvice #Cirencester #Swindon