The ER Network

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[The ER Network @TheERNetwork]

A huge thank you to everyone who joined today's Qui Bono meeting at our Glasgow office.

Great discussions, valuable insights, and a real focus on delivering better outcomes for clients. Thanks also to our presenters for sharing their expertise!

[The ER Network @TheERNetwork]

UK homeowners spent around a fifth of their income on mortgage payments in 2025, according to UK Finance.

The trade body has today published a new report, revealing sharp differences in mortgage affordability and buy-to-let returns across the UK.

https://t.co/RH4Q6GYHvv

[The ER Network @TheERNetwork]

The Bank of England (BoE) holds interest rates at 3.75% as uncertainty over the Iran war continues.

https://t.co/MA9qRLZUdo

[The ER Network @TheERNetwork]

The average two- and five-year fixed mortgage rates fell this week after widespread lender rate cuts, according to Moneyfacts.

The latest Moneyfacts Rate Watch found that the average two-year fixed rate now stands at 5.81%.

https://t.co/dQw0NZ1jG2

[The ER Network @TheERNetwork]

New Vanguard research finds that 7 in 10 (68%) UK savers (non-investors) plan to start investing in the future. The shift is particularly prominent among younger savers with 91% of Gen Z (those born between 1997 and 2012) planning to get started.
https://t.co/WIkRQWXeGT

[The ER Network @TheERNetwork]

🌼 𝐄𝐚𝐬𝐭𝐞𝐫 𝐖𝐢𝐬𝐡𝐞𝐬 𝐭𝐨 𝐎𝐮𝐫 𝐁𝐫𝐢𝐥𝐥𝐢𝐚𝐧𝐭 𝐄𝐑 𝐍𝐞𝐭𝐰𝐨𝐫𝐤 𝐀𝐝𝐯𝐢𝐬𝐞𝐫𝐬 🌼

#HappyEaster #ERNetwork #FinancialAdvisers #MortgageAdvisers #FinanceCareers #AdviserCommunity #ProfessionalDevelopment #FinancialServicesUK #CareerInFinance #JoinOurNetwork

[The ER Network @TheERNetwork]

𝐓𝐰𝐞𝐧𝐭𝐲 𝐲𝐞𝐚𝐫𝐬. 𝐖𝐡𝐚𝐭 𝐚 𝐦𝐢𝐥𝐞𝐬𝐭𝐨𝐧𝐞.

A huge thank you to everyone who joined us at our 20-year anniversary conference — your support, energy, and insight made it a truly special event.

#FinancialAdvisers #MortgageAdvisers #FinancialPlanning #BusinessSupport

[The ER Network @TheERNetwork]

Our 20th annual conference is about to get underway

[The ER Network @TheERNetwork]

Bank of England holds interest rates at 3.75%

https://t.co/prQkhiFd5H

[The ER Network @TheERNetwork]

Mortgage brokers remain central to the homebuying journey, with two-fifths of first-time buyers admitting to Whatsapping their broker at least weekly.

https://t.co/6ToHEWVMHd

[The ER Network @TheERNetwork]

Despite 83% of UK adults saying that financial preparation for death matters, 32% haven’t taken any steps to plan for it.

📉 Only: • 38% have a will • 26% have shared their wishes • 18% have organised key documents like pension and insurance info

https://t.co/0CkWP5i4QX

[The ER Network @TheERNetwork]

Nationwide has extended its 0% Green Additional Borrowing.

Existing customers can borrow £5k–£20k interest-free for energy-efficient home improvements. Another sign green finance is becoming a bigger part of the mortgage market.

https://t.co/YzA0smHLsj

[The ER Network @TheERNetwork]

Last year, 65% of Gen Z (aged 18-28) and 61% of millennials (29-44) said they used AI for help with personal finances, according to a Finder survey of 2,000 people.

https://t.co/krBS9geIY1

[The ER Network @TheERNetwork]

Employees in the UK feel more optimistic about almost every aspect of their lives than at any other point in the past five years – with the exception of their plans for retirement, according to new research from Fidelity.

https://t.co/s6jPMpmp1V

[The ER Network @TheERNetwork]

🔍 𝐀𝐫𝐞 𝐲𝐨𝐮𝐫 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐫𝐞𝐚𝐥𝐥𝐲 𝐠𝐞𝐭𝐭𝐢𝐧𝐠 𝐭𝐡𝐞 𝐦𝐨𝐬𝐭 𝐟𝐫𝐨𝐦 𝐭𝐡𝐞𝐢𝐫 𝐩𝐨𝐥𝐢𝐜𝐢𝐞𝐬?

If they don’t know… they can’t use them.

As advisers, closing that awareness gap builds real value & deeper trust.

Worth a read 👇

https://t.co/OihXESqwOi

[The ER Network @TheERNetwork]

Two thirds of landlords who plan to increase rents said forthcoming tax rises on the sector are a “key factor”, polling from the National Residential Landlords Association has revealed.

https://t.co/Uz7TCs8QSH

[The ER Network @TheERNetwork]

The equity release market grew 11% in 2025, the Equity Release Council reveals.

More than a quarter (26%) of advisers responding to the council’s latest survey say customers are now using equity release to clear mortgages balances.

https://t.co/Q7x4n9Ccud

[The ER Network @TheERNetwork]

Advisers should consider putting “not having a state pension” into younger clients’ spreadsheets as an option, as it may not exist in the future.

https://t.co/S1qEVckOHq

[The ER Network @TheERNetwork]

MetLife UK has paid out more than £34m to Individual Protection (IP) customers in 2025.

In total, 94% of accident and health claims were paid. MetLife UK pays 90% of accepted claims in five working days.

https://t.co/ND43O563Ch

[The ER Network @TheERNetwork]

Lender rate activity is picking up after the Christmas break, according to this week’s Moneyfacts rate watch.

This week 15 lenders tweaked their rates, with the average two-year and five-year fix falling by 3bps to 4.8% and 4.88%, respectively.

https://t.co/4AfemRHSnz