Paul Roberts

Paul Roberts ✪ Financial Adviser & Business Prinicpal ✪
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Buy to let gets talked about like it's a landlord's game. For a lot of homeowners, it's actually a pension strategy.Prop...
24/07/2026

Buy to let gets talked about like it's a landlord's game.

For a lot of homeowners, it's actually a pension strategy.

Property income in retirement works differently to a pension drawdown — it's an asset that can keep producing income for as long as you hold it, alongside whatever else you've got set aside.

It's not right for everyone, and it's not something to back into without a plan. But it's rarely even mentioned to homeowners who are already asset-rich and looking for another lever for later life.

If retirement planning has only ever meant pensions and ISAs in your head, this is worth ten minutes.

Book a call if you want a clear plan.

Most homeowners check their equity the way they check their weight. Look at the number, feel something, close the app.Eq...
22/07/2026

Most homeowners check their equity the way they check their weight. Look at the number, feel something, close the app.

Equity isn't passive. It's not just there to make the net worth column look healthy — it can be accessed and deployed.

Fund a renovation, help a child onto the ladder, buy a second property, restructure what you owe.

The equity sitting in your home is one of the most underused assets most people own.

The question isn't whether you have it. It's whether you've ever been shown what it could actually do.

Book a call if you want a clear plan.

"Interest-only mortgage ending soon" doesn't have to mean "sell the house."There are routes most homeowners in this posi...
20/07/2026

"Interest-only mortgage ending soon" doesn't have to mean "sell the house."

There are routes most homeowners in this position have never been told about — a family concession mortgage, equity release, or a straightforward remortgage onto repayment or a blended structure.

We've worked through this exact situation before: grandma stays in her home, the mortgage gets restructured, nobody has to move.

If your interest-only term is approaching its end and the only plan you've got is "sell up," it's worth checking what else is actually available first.

Book a call if you want a clear plan.

You insure the house. When did you last think about insuring the income that pays for it?Statutory sick pay is £116.75 a...
17/07/2026

You insure the house. When did you last think about insuring the income that pays for it?

Statutory sick pay is £116.75 a week. If your income stopped tomorrow — illness, injury, burnout — that's what the state provides while your mortgage, bills and everything else carries on as normal.

Homeowners have more riding on this than most.
You've built something.

Income protection isn't about assuming the worst — it's about making sure one bad year doesn't undo years of progress.

Book a call if you want a clear plan.

Two-year fixes used to be the option for people who didn't trust the market. More homeowners are choosing shorter fixes ...
15/07/2026

Two-year fixes used to be the option for people who didn't trust the market.

More homeowners are choosing shorter fixes right now — not out of nerves, but because the direction of travel on rates looks more favourable over the next couple of years than it has in a while.

Lock in too long and you could be stuck watching better deals pass you by. Lock in too short and you're back at square one before you know it.

It's not really a two-year-versus-five-year question. It's a "what does my situation actually need" question — and that depends on when your current deal ends, what you're planning next, and how much flexibility you want to keep.

Book a call if you want a clear plan.

New data this week: homeowners retire on average £793,000 wealthier than lifelong renters.That's not really about house ...
13/07/2026

New data this week: homeowners retire on average £793,000 wealthier than lifelong renters.

That's not really about house price growth. It's about what happens to that equity once the mortgage is under control — it becomes a working asset. Something that can be released, restructured, or used to fund what comes next, rather than a number that just sits on a statement.

If you've been paying your mortgage down for years and never had the conversation about what that equity could actually do for you, this is the moment to have it. Most homeowners who could put it to work have simply never been shown how.

Book a call if you want a clear plan.

Equity isn't a number that just sits on a statement. It's an asset — and like any asset, it can be put to work.Most home...
10/07/2026

Equity isn't a number that just sits on a statement. It's an asset — and like any asset, it can be put to work.

Most homeowners never think to ask what their equity could actually do for them. Fund a renovation. Support a second property. Feed into a longer-term retirement plan.

The equity is there either way — the only question is whether it stays static or starts doing something.

This matters most for anyone sitting on significant equity alongside a modest pension. Those two things are more connected than most people realise, and the connection is rarely made until someone points it out.

Worth a proper look, not a guess.

Book a call if you want a clear plan.

Another happy client to followed our advice not only for lending but also for protection. Protection is the money you in...
09/07/2026

Another happy client to followed our advice not only for lending but also for protection. Protection is the money you invest for peace of mind

Most homeowners think their choice is binary: stay where you are, or sell and move.There's a third option most people ha...
08/07/2026

Most homeowners think their choice is binary: stay where you are, or sell and move.

There's a third option most people have never had explained to them. Let to buy. You remortgage your current home, get letting consent from the lender, and use the equity you've built as the deposit for the next one. The property you already own doesn't disappear — it starts working for you.

Two properties, one initial purchase. No requirement to sell what you've spent years paying down.

This isn't a strategy for everyone. But if you've been assuming your only options are "stay" or "sell," it's worth knowing there's a third path — and whether it fits your situation is a five-minute conversation, not a leap of faith.

Book a call if you want a clear plan.

Mortgage rates have been drifting down lately, and the temptation is to wait — surely a better deal is coming?Here's the...
06/07/2026

Mortgage rates have been drifting down lately, and the temptation is to wait — surely a better deal is coming?

Here's the detail most people miss. That dip is coming from the swaps market repricing, not from the Bank of England cutting the base rate. In fact, the Governor has just ruled out further cuts this year. Two different things, easy to confuse.

Waiting on a "maybe" means risking the deal you could secure today. The smarter move: lock in something solid now. If rates do improve later, you go back for the better one. You lose nothing by moving first.

One more thing worth sitting with. That mortgage is only as secure as the income paying it. Most people insure the house. Fewer insure the income that keeps it.

If you're due a remortgage, don't let "maybe later" cost you now.

Book a call if you want a clear plan.

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