Severn Financial

24/03/2026

10/03/2026

15/01/2026

🏡 A new route onto the property ladder for renters

A building society has launched a 100% mortgage designed specifically for renters with a strong track record of paying their rent on time.

✔️ No deposit required
✔️ Fixed rate certainty
✔️ Monthly payments linked to current rent
✔️ A chance to turn rent into home ownership

For many renters, saving a deposit is the biggest barrier — even when they can comfortably afford monthly payments. Products like this recognise that paying rent consistently already demonstrates affordability.

This won’t be right for everyone, and there are important details to consider, but for the right buyer it could be a genuine opportunity to step onto the ladder sooner rather than later.

💬 If you’re renting, paying on time, and wondering whether buying could be closer than you think — it’s worth exploring your options properly.

24/11/2025

Thinking of making a move in 2026?

Now’s the perfect time to get organised.

Find out your maximum buying budget and understand exactly where you stand before the market picks up.

Click the link below to complete a quick affordability check — it only takes a couple of minutes.

https://forms.office.com/e/Q5dN94rjW2

Start planning today and give yourself a head start for 2026.

29/10/2025

Latest quarterly Wealth newsletter is out!

This issue looks at what’s ahead for the economy and how recent changes could affect your finances. Inside, we cover:

-The Budget outlook and how to prepare for what’s coming
-Investing through global change
-Why pensions could fall within the inheritance tax net from 2027

It’s well worth a read if you want to stay a step ahead.

👉 Check it out here: https://lnkd.in/ewfWUFtd

www.severn.financial

Swansea| Cardiff | Rickmansworth

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13/10/2025

Mega-cap tech dominates the U.S. market 💻📈

It’s striking to see how concentrated the U.S. stock market has become.

Just ten companies now make up a huge portion of the MSCI USA Index — with NVIDIA, Apple, and Microsoft alone accounting for over 20% of it.

While this has rewarded investors heavily over the last few years, it also raises an important question:

👉 Are portfolios as diversified as they appear on paper?

Even when investing in “broad” U.S. or global equity funds, a large part of performance may still come from the same handful of tech giants.

It’s a good reminder to review where your investments are truly concentrated — and whether that still aligns with your goals and risk profile.