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Mather & Murray Financial @MatherAndMurray

Mather & Murray Financial believe all customers should be able to access quality advice no matter what their circumstances. matherandmurray.co.uk

Joined December 2015
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Swindon is more than the “practical” choice. Avg house prices below Bristol & Cotswolds, active regen plans & growing recognition as a drone-tech hub, a strong case for buying in Swindon now. matherandmurray.co.uk/why-sw… #Swindon #Property #MortgageAdvice #Cirencester #Bristol

Why Swindon is one of the South West’s best places to buy right now

Lower prices than Bristol and Cirencester, a growing local economy and major regeneration plans all make Swindon a compelling place to buy property in 2026.

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From April 27 pensions fall into scope for IHT. That means “double tax” family may face 40% IHT and then income tax on inherited pension withdrawals. 67% pension tax trap. matherandmurray.co.uk/the-pe… #Pensions #InheritanceTax #FinancialAdvice #Cricklade #Cirencester #Bristol

The pension inheritance tax trap: 67% tax on family wealth?

A major pension tax change is coming from 6 April 2027. In some cases, inherited pension wealth could face both inheritance tax and income tax.

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Can you get a mortgage at 65? If you're using Right to Buy: £180k home → £80k purchase We break down: ✔ Mortgage options ✔ Family support ✔ Equity release 🔗 matherandmurray.co.uk/🏡-can-you-get-a-mortgage-at-65-to-buy-your-council-house/

Mather & Murray Financial- Independent Financial Adviser Swindon

Independent financial advisers Swindon. Expert advice investments, pensions, mortgages, and inheritance tax. Schedule a no-cost consultation

matherandmurray.co.uk
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Mortgage rates were settling… Now global events are back in play. Middle East tensions → oil → inflation → swap rates → mortgages. We explain what’s happening what to do: 🔗 matherandmurray.co.uk/🌍-how-the-middle-east-conflict-is-impacting-uk-mortgage-rates/

Mather & Murray Financial- Independent Financial Adviser Swindon

Independent financial advisers Swindon. Expert advice investments, pensions, mortgages, and inheritance tax. Schedule a no-cost consultation

matherandmurray.co.uk
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Thinking about buy-to-let? Most people underestimate: ❌ Stamp duty ❌ Costs ❌ Structure We break down a £150k example: ✔ 15% vs 20% deposit ✔ Real mortgage payments ✔ SPV vs personal ownership 🔗 matherandmurray.co.uk/buildi…

Buy-to-Let Portfolio: Where to Start

Want to build a buy-to-let portfolio? We explain deposits, stamp duty, SPV structures and real returns using a £150k example.

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Tax thresholds are frozen until 2031. Which means millions more people are paying income tax every year. But there are still legal ways to generate tax-free income. We explain 10 of them here 👇 🔗 matherandmurray.co.uk/10-way…

10 Ways to Generate Tax-Free Income

Tax thresholds are frozen and more people are paying income tax. Here are 10 legal ways to generate tax-free income using allowances, ISAs and smart planning.

matherandmurray.co.uk
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Tax year end is weeks away Are you: ✔ Using pension carry forward? ✔ Reviewing drawdown income? ✔ Planning for pensions moving into IHT? ✔ Maximising your ISA allowance? If not, now is the time. Financial advice in Swindon & Cirencester explained 👇 🔗 matherandmurray.co.uk/tax-ye…

Tax Year End 2026: Don’t Miss These Planning Opportunities

Before 5 April, review pensions, drawdown income, IHT exposure and allowances. A practical tax year end guide from financial advisers in Swindon and Cirencester.

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Rejected for a mortgage? Before you panic or apply again… stop. Many buyers in Swindon, Cirencester & Bristol get declined simply because the wrong lender was approached. We explain what to do next 👇 🔗 matherandmurray.co.uk/reject…

Mortgage Rejected? Here’s What to Do Next

Been declined for a mortgage in Swindon, Cirencester or Bristol? Here’s why it happens — and how the right mortgage adviser can still get you approved.

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First-time buyers: the mortgage market has changed again. ✔ Falling rates ✔ Higher income multiples ✔ Low-deposit & high-LTV deals If you’re buying in Swindon, Bristol or Cirencester, this could matter more than you think. Read the full article 👇 🔗 matherandmurray.co.uk/first-…

First-Time Buyer Mortgages in 2026: What’s Changed?

Falling mortgage rates, higher income multiples and low-deposit deals are changing the market for first-time buyers in Swindon, Bristol and Cirencester. Here’s what to know.

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Farmers face more IHT uncertainty than ever. APR, BPR, frozen thresholds & constant policy changes have left many unsure where they stand. We’ve written a clear guide on: ✔️ What’s changed ✔️ What still works ✔️ What farmers can do now Read 👇 🔗 matherandmurray.co.uk/inheri…

Inheritance Tax Changes: What Farmers Need to Know

Confused by recent inheritance tax changes for farmers? Clear advice on APR, BPR, allowances and planning options to protect your farm and family.

matherandmurray.co.uk
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Many SMEs defaulted into NEST for auto-enrolment — but is it still right for your business? 💡 A company pension review can improve investment choice, reduce costs and support staff wellbeing. Here’s when it’s time to take another look 👇 matherandmurray.co.uk/is-it-…

Is Your Company Pension Still Fit for Purpose?

Many SMEs defaulted into NEST for auto-enrolment. But with better alternatives now available, is it time to review your workplace pension scheme?

matherandmurray.co.uk
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Mortgages don’t have to feel like this 🐶🤯 2026 is a defining year for homeowners in Swindon & Cirencester — with changing lender rules, easing rates and smarter planning opps. What U need to know matherandmurray.co.uk/why-20… #MortgageAdvice #FinancialAdvice #Swindon #Cirencester

Why 2026 Could Be a Turning Point for Mortgages

Mortgage rates, lending rules and financial planning are all changing. Here’s why 2026 matters — especially for buyers and homeowners in Swindon and Cirencester.

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The Autumn Budget 2025: underwhelming… and exactly what Britain needed. But don’t be fooled — this was a stealth tax Budget. Here’s what changes for your taxes, pensions, ISAs and property- Full analysis 👇matherandmurray.co.uk/autumn… #Budget2025 #FinancialAdvice

The Autumn Budget 2025: underwhelming… and exactly what Britain needed

Rachel Reeves avoided the big shocks — but the small print tells another story.Here’s what really changes for:• Your tax bill• Your ISA allowance• Your pension contributions• Your rental income• Your...

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Nappies to uni, raising a child now costs £200k! 💸 With smart planning ( good adviser) doesn’t have to break the bank. How to prepare for parenthood — financially and calmly: 👉 matherandmurray.co.uk/how-ex… #FinancialAdvice #FamilyFinance #Parenting #Swindon #Cirencester #Bristol

How Expensive Is It to Raise a Child in the UK?

From nappies to university fees — discover the real cost of raising a child and how to plan ahead. Independent financial advice from Mather & Murray Financial in Swindon, Cirencester and Bristol.

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Love and money don’t always mix — unless you’ve got a plan 💷💑 Discover how couples in Swindon, Cirencester & Bristol can strengthen their relationship and their finances with clear, independent advice. 👉 matherandmurray.co.uk/how-co… #FinancialAdvice #Swindon #Cirencester #Bristol

How Couples Can Build Wealth Together and Avoid Financial Tension

Discover how couples in Swindon, Cirencester & Bristol can strengthen their relationship and their finances with expert independent advice from Mather & Murray Financial.

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Your mortgage isnt just a loan it’s the cornerstone of your financial life 🏡💷. See why combining mortgage advice & financial planning is the smartest move for clients in Swindon Bristol. 👉 matherandmurray.co.uk/why-yo… #MortgageAdvice #FinancialAdvice #Swindon #Bristol #Cirencester

Why your mortgage advice and financial planning should work together

Our advisers in Swindon, Cirencester & Bristol — and nationwide — show how linking mortgages with pensions & investments creates long-term security.

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Struggling to buy with a small deposit or need to borrow more than your bank allows? 🏡💰 High LTV & LTI mortgages are back - we specialise in placing the difficult cases. 👉 Read how we help clients: matherandmurray.co.uk/high-l… #MortgageAdvice #Swindon #Bristol #Cirencester

High LTV & LTI Mortgages – Advice in Swindon, Cirencester & Bristol

Struggling with deposits or income multiples? Our advisers help clients secure high LTV and LTI mortgages that banks often won’t.

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Struggling to get a mortgage in Swindon or Cirencester? 🏡 We specialise in the difficult cases — self-employed, poor credit, unusual properties & more. Many SJP clients turn to us for mortgage advice 👉 matherandmurray.co.uk/why-us… #MortgageAdvice #Swindon #Cirencester #SJP

Mortgage Advice in Swindon and Cirencester – Even for Difficult Cases

Our expert mortgage advisers do everything possible to get your mortgage placed, no matter how complex. From buy-to-let to high net worth, and for clients including those with St. James’s Place...

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📢 Employers in Swindon & Cirencester: Auto-enrolment pensions are a legal duty — but also an opportunity. Discover your responsibilities, contribution rules & why advice matters 👉 matherandmurray.co.uk/employ… #AutoEnrolment #Pensions #FinancialAdvice #Swindon #Cirencester

Auto-enrolment pensions: what employers in Swindon & Cirencester need to know

Employers must offer workplace pensions. Discover your responsibilities, minimum contributions, and how advice can help with pensions, protection & benefits.

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🚨 St. James’s Place is under pressure to change fees & practices. Many clients in Cirencester & Swindon are reviewing their portfolios. 👉 Find out why switching to an independent adviser could benefit you: matherandmurray.co.uk/why-st… #FinancialAdvice #Cirencester #Swindon

Why St. James’s Place Clients in Cirencester Are Seeking Independent Financial Advice

St. James’s Place is under pressure to change fees and investment practices. Many clients in Cirencester and Swindon are reviewing their portfolios — find out why switching to an independent adviser...

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