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Mark your calendars! Next Friday, 25th September, Temple Wealth is opening its doors all day for our annual Macmillan Ca...
18/09/2026

Mark your calendars! Next Friday, 25th September, Temple Wealth is opening its doors all day for our annual Macmillan Cancer Support fundraiser.

Whether you're popping in for a morning coffee, taking an afternoon cake break, or bringing a friend along, everyone is welcome! Every donation goes directly to helping Macmillan support people living with cancer.

Can't join us in person on the day? You can still show your support by donating online: https://cm26.macmillan.org.uk/fundraising/cm26012690

We look forward to seeing you there!

Get in touch:
Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

The Bank of England has kept the benchmark base rate at 3.75% for the sixth meeting in a row. However, with global energ...
17/09/2026

The Bank of England has kept the benchmark base rate at 3.75% for the sixth meeting in a row. However, with global energy prices pushing inflation up to 3.1% in August, central bankers are treading carefully to keep rising living costs under control.

Even though official interest rates haven't changed, major high-street banks have already started pushing up fixed mortgage rates, with average 5-year fixed deals creeping up to 5.87%.

When the Bank of England pauses, it is easy to assume mortgage costs will freeze too. But commercial lenders adjust their prices based on wholesale markets every day, which means fixed deals can get more expensive even when the base rate stays put.

If your current fixed rate ends anytime in the next six months, waiting around to see what happens next can cost you. Rising mortgage payments take a bigger bite out of your monthly income, leaving less room to put toward your wider goals, whether that is building up savings, funding your pension, or planning for your family's future.

Securing a new mortgage deal early puts a firm safety net around your finances. It caps your maximum monthly costs so you won't be caught off guard if rates keep climbing. And if market conditions settle and lower rates come back before your start date, you can easily switch to a better deal. Looking at your home loan as part of your total financial picture keeps your money working as hard as possible for you.

You can read more here: https://www.bbc.co.uk/news/articles/cm4gjrxez1q0o

Get in touch:

Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

The UK's largest high street lenders, including HSBC, Nationwide, NatWest, and TSB, have begun raising fixed mortgage ra...
15/09/2026

The UK's largest high street lenders, including HSBC, Nationwide, NatWest, and TSB, have begun raising fixed mortgage rates ahead of the Bank of England's interest rate decision. Driven by rising global energy prices and wholesale swap rates, fixed deals below 5% are fast disappearing across the market.

While the central bank is widely expected to hold the base rate steady at 3.75%, commercial lenders are adjusting their prices independently to manage higher borrowing costs.

When major banks move together to push up mortgage rates, it shows how quickly commercial borrowing costs can shift, even when the Bank of England keeps its base rate on hold. For homeowners and property investors, sitting back to see what happens next can be an expensive choice. Higher mortgage payments directly affect your monthly cash flow, leaving less available to put toward your wider financial goals, like tax-efficient investments, pension growth, or family savings.

Taking a proactive approach gives you far more control. Securing a new mortgage deal up to six months before your current fixed rate ends acts as a financial safeguard. It caps your monthly borrowing costs and protects your budget from further market rises. Best of all, if interest rates settle and lower deals return before your start date, you can easily switch to a better option.

Looking at your mortgage as part of your overall financial strategy ensures your debt works seamlessly alongside your long-term wealth goals.

You can read more here: https://www.telegraph.co.uk/money/property/mortgages/major-banks-increase-mortgage-rates-ahead-of-boe-decision/

Get in touch:
Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

Buying your first home can feel overwhelming, especially when you are trying to make sense of the mortgage process for t...
11/09/2026

Buying your first home can feel overwhelming, especially when you are trying to make sense of the mortgage process for the first time.

We loved seeing this feedback for Emma, who recently helped first-time buyers navigate the journey smoothly and get into their new home. Straightforward advice and keeping things simple to understand is always the goal.

Get in touch:
Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

We are delighted to announce that Temple Wealth will be hosting our Annual Macmillan Coffee Morning on Friday, 25th Sept...
09/09/2026

We are delighted to announce that Temple Wealth will be hosting our Annual Macmillan Coffee Morning on Friday, 25th September, and we’d love for you to join us!

Whether you're dropping by for a quick mid-morning brew, taking a lunch break, or stopping past in the afternoon, our doors are open all day. Everyone is welcome!

Every slice of cake and cup of coffee helps support the incredible work Macmillan Cancer Support does for individuals and families across the UK.

Can't make it on the day but still want to support the cause? You can make a donation directly via our link: https://cm26.macmillan.org.uk/fundraising/cm26012690

We look forward to seeing you there!

Get in touch:

Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

A sudden shift in global bond markets is sending ripples through the UK mortgage landscape. A surge in oil prices driven...
07/09/2026

A sudden shift in global bond markets is sending ripples through the UK mortgage landscape. A surge in oil prices driven by international tensions has fueled fresh inflation concerns, pushing UK swap rates, the wholesale benchmark banks use to price fixed deals, to a three-year high above 4.52%.

Lenders are already beginning to respond, with mainstream providers increasing fixed rates across residential and buy-to-let ranges to protect their margins. While average fixed rates have held steady for now, volatile bond yields signal that borrowing costs could rise in the weeks ahead.

Global economic events can feel detached from daily life, but when they hit wholesale money markets, the impact on home loans is direct and immediate.

If your current fixed deal is ending within the next six months, treating rate shifts as a spectator sport can be an expensive mistake. Securing a new mortgage deal early acts as an effective shield, it locks in current market pricing to establish a maximum cap on your monthly repayments, protecting you against further bond market volatility.

Crucially, locking in early doesn't tie your hands. If swap rates settle down and mortgage pricing softens before your completion date, your broker can switch you to a lower rate. Integrating your mortgage strategy into your wider wealth plan ensures your cash flow stays resilient, no matter how global markets behave.

You can read more here: https://www.theguardian.com/money/2026/sep/03/uk-mortgage-borrowers-brace-for-rate-jump-global-bond-sell-off

Get in touch:
Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

04/09/2026

Earning over Β£100,000? You could be falling into the 60% tax trap without even knowing it! Here's how strategic pension contributions can help high earners retain their Personal Allowance while boosting long-term wealth.

Get in touch:
Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Tax treatment depends on individual circumstances and may be subject to change in the future.

The value of investments can fall as well as rise, and you may get back less than you invested.

This video is for educational purposes and does not constitute formal tax or financial advice.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

SmartMoney Newsletter September/October 2026: https://www.templewealth.co.uk/resources/smart-money-newsletter/As Chancel...
02/09/2026

SmartMoney Newsletter September/October 2026: https://www.templewealth.co.uk/resources/smart-money-newsletter/

As Chancellor John Healey prepares to deliver his first Autumn Budget, speculation is mounting over where the government could raise additional revenue. With the main rates of Income Tax, National Insurance and VAT ruled out, attention could be turning to Capital Gains Tax, property, wealth, pensions and frozen tax thresholds. On page 08, we explain what might change, the potential impact on your finances and why reviewing your financial position ahead of the Budget could help you prepare rather than react.

Retirement should be a time to enjoy the life you have worked towards, but without careful planning, your savings may not stretch as far as you expect. On page 04, we explore five essential questions to help you assess your retirement goals, income needs, pension savings and potential risks, and explain why professional advice can help you build a more secure financial future.

Many families may be missing out on a valuable Inheritance Tax (IHT) exemption that immediately exempts qualifying regular gifts from surplus income. Turn to page 03 to discover how the β€˜normal expenditure out of income’ rules work, the conditions you must meet and why careful record-keeping is essential, particularly as IHT rules are set to change from April 2027.

Pension scams are becoming increasingly sophisticated, putting years of retirement savings at risk. On page 06, we highlight the warning signs to watch out for, including unsolicited approaches, unrealistic returns and high-pressure tactics, and explain how to check whether an adviser or firm is authorised. Taking time to verify an opportunity could help protect your pension from fraud.

A complete list of the articles featured in this issue appears on page 02

Get in touch:

Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

The UK property market experienced a clear pause in July, with Bank of England data showing mortgage approvals falling t...
01/09/2026

The UK property market experienced a clear pause in July, with Bank of England data showing mortgage approvals falling to 56,053, the lowest monthly total since early 2024.

With base rates remaining steady at 3.75% and property price growth slowing, many buyers are taking a breather to assess their budgets. At the same time, consumer borrowing rose by over Β£2 billion in July, showing that households are tapping into flexible credit or drawing on savings to manage everyday costs.

When the housing market slows down, it can make buyers and homeowners hesitate. But a quiet market isn't a bad thing; it actually gives you the time and breathing room to make smart, pressure-free choices about your money.

A home purchase or remortgage shouldn't happen in a vacuum. The rise in consumer borrowing combined with shifting mortgage costs highlights just how closely connected your monthly bills, debts, and long-term savings really are.

Looking at your mortgage as part of your total financial picture ensures your home loan works alongside your wider goals, like building your savings, growing your investments tax-efficiently, and protecting your family's financial security.

Taking a calm, structured approach ensures your property choices support your long-term wealth, no matter what the market is doing.

You can read more here: https://www.reuters.com/world/uk/uk-mortgage-approvals-fall-lowest-since-january-2024-bank-england-data-shows-2026-09-01/

Get in touch:
Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

A great client experience starts with making things clear and straightforward.Rachel from our Dorchester branch recently...
26/08/2026

A great client experience starts with making things clear and straightforward.

Rachel from our Dorchester branch recently received some lovely feedback from a client she helped with their remortgage.

Having never worked with a financial adviser before, the client was initially unsure about the process. Rachel took the time to explain how she could help, guide them through the stages involved and make sure they understood what was happening along the way.

Get in touch:
Fareham Office:
πŸ“ž Call: 01329 282 882
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templewealth.co.uk

Dorchester Office:
πŸ“ž Call: 01305 213150
βœ‰ Email: [email protected]
πŸ’» Visit: https://www.templemortgage.co.uk

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Rates and eligibility vary. Always seek tailored advice.

Subject to status and lender criteria.

Address

Newborough House, Queen Mother Square, Poundbury
Dorchester
DT13BJ

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+441305213150

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