In this episode of the Heron Financial Podcast, Matt is joined by Senior Mortgage Adviser Josh to answer one of the biggest questions homeowners have: when should you remortgage, and how do you avoid overpaying?

They break down why it often makes sense to start planning around 7 months before your current deal ends, what actually happens if you do nothing and roll onto a lender’s standard variable rate, and how a remortgage can be used as a wider financial reset — from changing your term and monthly payments to borrowing for home improvements or a future move.

Josh explains how the process works in practice, why remortgaging is usually simpler than buying, what to know about fees and legal work, and how lenders are increasingly rewarding energy-efficient “green” homes with improved affordability and product options. He also shares real examples of clients who’ve saved money by acting early, as well as those who unknowingly spent thousands more by staying on the wrong deal.

If your mortgage deal ends in the next 6–18 months, or you’re just not sure what you’re currently paying, this episode will help you understand your options and plan smarter.

This podcast provides general information, not personal advice. Recommendations depend on your circumstances and lender criteria.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

In this episode of the Heron Financial Podcast, we go back to the beginning.

Founder Matt Coulson reflects on building Heron Financial from a two-person startup in 2011 into a firm trusted by thousands of mortgage and protection clients — while maintaining consistent 5-star reviews across Trustpilot and Google for over 14 years.

We discuss what actually creates long-term trust in financial services: why service had to come before scale, how culture became a competitive advantage, and how the business navigated financial crises, regulatory change, and rapid advances in technology without losing its identity.

Matt also shares Heron’s approach to ethical AI adoption, why people development has always mattered more than short-term growth, and what the next chapter looks like for a people-first financial services firm.

This episode is a candid founder story about resilience, responsibility, and building a business that lasts.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/

Richard Campo (Head of Growth) is back to talk about the Bank of England reducing rates by 0.25% to 4.25%.

In this episode he talks over:

• What we can read from the voting which was more interesting than expected
• What impact the trade wars/tariffs have had on interest rates in the UK
• What todays cut means in money markets
• Ultimately how this affects mortgage pricing

We hope you enjoy listening and you find it more interesting than Richard's dog snoring away in the background!

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/