Campden Financial

16/10/2026

🏠 When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:
• Can I afford to stay in my home?
• Can I take the mortgage on by myself?
• Could a family member help me with affordability?
• What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, I can look across different lenders to find the right solution for your circumstances, including:
• Lenders that allow family members to boost your affordability with their income
• Lenders offering stronger income multiples, which could increase how much you’re able to borrow
• More flexible approaches to different types of income
• Interest-only or part-and-part options where appropriate
• Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. 💬



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

16/10/2026

🏠 𝗪𝗵𝗲𝗻 𝗟𝗶𝗳𝗲 𝗖𝗵𝗮𝗻𝗴𝗲𝘀, 𝗬𝗼𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗢𝗽𝘁𝗶𝗼𝗻𝘀 𝗖𝗮𝗻 𝗧𝗼𝗼

𝗚𝗼𝗶𝗻𝗴 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗮 𝗱𝗶𝘃𝗼𝗿𝗰𝗲 𝗼𝗿 𝘀𝗲𝗽𝗮𝗿𝗮𝘁𝗶𝗼𝗻 𝗰𝗮𝗻 𝗯𝗿𝗶𝗻𝗴 𝗮 𝗹𝗼𝘁 𝗼𝗳 𝘂𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝘆, 𝗽𝗮𝗿𝘁𝗶𝗰𝘂𝗹𝗮𝗿𝗹𝘆 𝘄𝗵𝗲𝗻 𝗶𝘁 𝗰𝗼𝗺𝗲𝘀 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗮𝗻𝗱 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

You might be wondering:
• Can I afford to stay in my home?
• Can I take the mortgage on by myself?
• Could a family member help me with affordability?
• What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, we can look across different lenders to find the right solution for your circumstances, including:
• Lenders that allow family members to boost your affordability with their income
• Lenders offering stronger income multiples, which could increase how much you’re able to borrow
• More flexible approaches to different types of income
• Interest-only or part-and-part options where appropriate
• Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. 💬



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

14/10/2026

🔍 𝗪𝗵𝗲𝗻 𝗱𝗶𝗱 𝘆𝗼𝘂 𝗹𝗮𝘀𝘁 𝗰𝗵𝗲𝗰𝗸 𝘄𝗵𝗮𝘁 𝗼𝘁𝗵𝗲𝗿 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗰𝗼𝗺𝗲 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲?
You might be paying for protection every month… but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:
🩺 𝟮𝟰/𝟳 𝗚𝗣 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁𝘀
🏥 𝗛𝗼𝘀𝗽𝗶𝘁𝗮𝗹 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 – 𝗮 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗶𝗳 𝘆𝗼𝘂’𝗿𝗲 𝗮𝗱𝗺𝗶𝘁𝘁𝗲𝗱 𝘁𝗼 𝗵𝗼𝘀𝗽𝗶𝘁𝗮𝗹
🦴 𝗙𝗿𝗮𝗰𝘁𝘂𝗿𝗲 𝗰𝗼𝘃𝗲𝗿 – 𝗮 𝗹𝘂𝗺𝗽-𝘀𝘂𝗺 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗳𝗼𝗿 𝗰𝗲𝗿𝘁𝗮𝗶𝗻 𝗳𝗿𝗮𝗰𝘁𝘂𝗿𝗲𝘀
🧠 𝗠𝗲𝗻𝘁𝗮𝗹 𝗵𝗲𝗮𝗹𝘁𝗵 𝘀𝘂𝗽𝗽𝗼𝗿𝘁
💪 𝗛𝗲𝗮𝗹𝘁𝗵 & 𝘄𝗲𝗹𝗹𝗯𝗲𝗶𝗻𝗴 𝘀𝗲𝗿𝘃𝗶𝗰𝗲𝘀
👨‍⚕️ 𝗦𝗲𝗰𝗼𝗻𝗱 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗼𝗽𝗶𝗻𝗶𝗼𝗻𝘀
💻 𝗥𝗲𝗺𝗼𝘁𝗲 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻𝘀
👨‍👩‍👧 𝗦𝘂𝗽𝗽𝗼𝗿𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆
🎁 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 𝗮𝗻𝗱 𝘄𝗲𝗹𝗹𝗻𝗲𝘀𝘀 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀

𝗔𝗻𝗱 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗽𝗮𝗿𝘁? 𝗬𝗼𝘂 𝗺𝗮𝘆 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗵𝗮𝘃𝗲 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝘀𝗼𝗺𝗲 𝗼𝗳 𝘁𝗵𝗲𝘀𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀.

📋 When was the last time you checked your policy?

We can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

👉 Get in touch today and let’s check what benefits your insurance could provide – you might be surprised by what’s included.

12/10/2026

🏡 𝗖𝗼𝘂𝗹𝗱 𝗮 𝟮.𝟱% 𝗱𝗲𝗽𝗼𝘀𝗶𝘁 𝗯𝗲 𝗲𝗻𝗼𝘂𝗴𝗵 𝘁𝗼 𝗯𝘂𝘆 𝘆𝗼𝘂𝗿 𝗳𝗶𝗿𝘀𝘁 𝗵𝗼𝗺𝗲?
The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers. The proposed scheme could mean:
🔑 Just a 2.5% deposit
🏠 20% government-backed equity loan
💷 A mortgage for the remaining amount

So, on a £300,000 new build, your own deposit could be just £7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

📅 The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.

And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. 🔑

There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.

📩 Thinking about buying your first home? Drop me a message and let’s look at what could be possible.

Full scheme details and eligibility are still to be confirmed.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

10/10/2026

🏠 𝗬𝗼𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗛𝗮𝘀 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱. 𝗕𝘂𝘁 𝗪𝗵𝗮𝘁 𝗜𝗳 𝗬𝗼𝘂𝗿 𝗜𝗻𝗰𝗼𝗺𝗲 𝗗𝗶𝗱𝗻’𝘁?
With mortgage payments putting more pressure on household budgets, it’s understandable that you might be thinking:
“I can’t afford to pay for protection right now.”

But there’s another question worth asking…
Could you afford to pay your mortgage if illness or injury stopped you working?

Your mortgage still needs paying.
Your household bills still need paying.
Your family still needs supporting.

That’s why it’s worth considering:
💷 𝗜𝗻𝗰𝗼𝗺𝗲 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 – 𝗖𝗼𝘂𝗹𝗱 𝗽𝗿𝗼𝘃𝗶𝗱𝗲 𝗮 𝗿𝗲𝗴𝘂𝗹𝗮𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝗶𝗳 𝗶𝗹𝗹𝗻𝗲𝘀𝘀 𝗼𝗿 𝗶𝗻𝗷𝘂𝗿𝘆 𝗽𝗿𝗲𝘃𝗲𝗻𝘁𝘀 𝘆𝗼𝘂 𝗳𝗿𝗼𝗺 𝘄𝗼𝗿𝗸𝗶𝗻𝗴.
❤️ 𝗖𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗜𝗹𝗹𝗻𝗲𝘀𝘀 𝗖𝗼𝘃𝗲𝗿 – 𝗖𝗼𝘂𝗹𝗱 𝗽𝗿𝗼𝘃𝗶𝗱𝗲 𝗮 𝗹𝘂𝗺𝗽 𝘀𝘂𝗺 𝗳𝗼𝗹𝗹𝗼𝘄𝗶𝗻𝗴 𝗮 𝗾𝘂𝗮𝗹𝗶𝗳𝘆𝗶𝗻𝗴 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗶𝗹𝗹𝗻𝗲𝘀𝘀.
👨‍👩‍👧 𝗟𝗶𝗳𝗲 𝗖𝗼𝘃𝗲𝗿 – 𝗖𝗼𝘂𝗹𝗱 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗶𝗲.

You don’t necessarily need to protect everything at once.

The right level of cover depends on your circumstances, budget and priorities.

If your mortgage payment has increased, it could be more important than ever to make sure the income behind it is protected.

👉Get in touch today. Let’s review your protection and find an option that fits your budget, so you can protect what matters most without adding unnecessary financial pressure.

[email protected] 📧
01386 303000 📞

09/10/2026

⚽FOOTBALL FRIDAY⚽
This season, we’re proud to be sponsoring the Silhill Saints — Co‑Founder Chris’s grandsons’ team and Adviser Holly’s sons’ team.
The boys are off to a winning start, and it’s a real family affair on the sidelines every Sunday around the Solihull area.

17/09/2026

https://www.moneysavingexpert.com/news/2026/09/base-rate-held-again-bank-of-england/

The Bank of England has held the base rate for the SIXTH consecutive time at 3.75%. We explain why, the latest predictions for when it could change, plus what it means for your mortgage and savings.

11/09/2026

Once you’ve been a member for a continuous 12 months, you can apply for practical support or financial assistance from LV= via their Member Support Fund.

Since 2001, they’ve helped hundreds of members with financial support when they’ve fallen on hard times.

Contact us today for more information.

09/09/2026

Today, one of our Mortgage and Protection Advisers, Holly, represented us at a Women’s Leadership Summit, bringing together inspiring female leaders and executives from across the UK financial services industry.

The summit created a valuable and supportive space for women to share their experiences, exchange learnings, explore opportunities, focus on encouraging a growth mindset and build meaningful connections with female colleagues.

It was held at the stunning Nuthurst Grange Hotel in Solihull, which meant Holly had one of the shorter commutes to the event - one female business owner had travelled up Cornwall this morning!

09/09/2026

🏗️ Protect your income – and your business

Being self-employed means you’re in control of your business…

But it also means your business relies on you. 💼

If illness or injury stopped you from working, your income could reduce or stop altogether. But many of your fixed business costs would still need to be paid. 📋

These could include:

🚐 Van or vehicle lease payments
🏢 Rent for your business premises
🛠️ Equipment or machinery hire
🛡️ Business insurance
💡 Utility bills
💳 Loan or finance repayments
📞 Phone, broadband and other essential business expenses
These are known as fixed costs because they continue whether you’re working or not.

✅ Income Protection can provide a regular monthly income if you’re unable to work due to illness or injury. Even better, if you’re self-employed, eligible fixed business costs may also be taken into account when calculating how much cover you can have, helping you protect more than just your income.

That means you could have greater financial support to help keep both your household and your business running while you focus on your recovery. ❤️‍🩹

📞 If you’re self-employed and would like to find out how Income Protection could help protect both you and your fixed costs, get in touch today.

[email protected]