Member Blog

Great feedback just in from a first-time buyer and self-employed company director for our mortgage advisor, Jayne Routledge:

“I just wanted to say thank you so much for the past year and a half for helping me along the whole process of buying my first home and answering all and any questions that I had.”

Choosing an independent mortgage advisor means getting tailored advice, access to a wider range of lenders, and someone who truly works in your best interest, not the bank’s.

At Brancaster House, we take pride in guiding our clients through every step, from first-time buyer to remortgage and beyond.

We’re here for your whole journey.

Need mortgage advice? Book in your free initial advice slot here: https://www.brancasterhouse.co.uk/mortgagesnorwichnorfolk

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If you’ve got a mortgage, chances are you’ve seen your monthly payments rise sharply in the last couple of years. Whether you’re on a fixed rate that’s about to end, or you’ve already slipped onto your lender’s standard variable rate, the big question we often get asked is: 

“When should I start looking for my remortgage deal?” 

And the short answer? Sooner than you think. 

At Brancaster House Financial Planning, we support people across Norwich and Norfolk in making sense of big financial decisions—including their mortgage. In this post, we’ll break down when and why to start looking for a new deal, what to expect from the process, and how to avoid the most common (and costly) pitfalls. 

Why Timing Matters with Remortgaging 

Let’s start with the basics. A remortgage simply means switching your current mortgage to a new deal. That could be with your existing lender or a new one altogether. People remortgage to: 

• Get a better interest rate  

• Fix their monthly payments  

• Borrow more for home improvements  

• Adjust the length or terms of their mortgage  

But here’s the catch: if you wait until your deal ends before acting, you could end up paying far more than necessary. 

Most fixed-rate deals automatically roll over to the lender’s standard variable rate (SVR) when they end. This rate is often significantly higher—sometimes by several percentage points. Even just a few months on the SVR can cost you hundreds of pounds more. 

So, When Should You Start Looking? 

In most cases, you should start shopping around 6 months before your current deal ends. 

Many lenders allow you to secure a new rate up to 6 months in advance. This means: 

• You can lock in a deal early (especially useful in a rising rate environment)  

• Your new rate doesn’t start until your current deal ends  

• You’ve got time to compare options, gather paperwork, and avoid rushing decisions  

If interest rates improve between now and the start date, some lenders will even let you switch to a better rate closer to completion—so you’ve got flexibility both ways. 

Why Leave It So Long? 

We know what you might be thinking: 

“Six months ahead? That feels a bit early.” 

But here’s why that timing works: 

1. You’re not rushed 

Trying to sort a remortgage with just a few weeks to go can feel like cramming for an exam. Remember, the process itself can take 4-8 weeks from application to completion, so you might rush into a deal that’s not right, or miss important details. 

2. You’re protected from rate rises 

If interest rates climb over the next few months, locking in early gives you a buffer. 

3. You’ve got time to fix any hiccups 

If your credit score needs work, your income has changed, or you need updated paperwork from your accountant or employer—starting early gives you breathing space. 

What You’ll Need to Get Started with your remortgage 

Remortgaging is generally simpler than applying for a mortgage for the first time, but there are still things you’ll need to provide. Lenders will usually ask for: 

• Proof of income (payslips or tax returns if self-employed)  

• Details of your existing mortgage  

• Up-to-date bank statements  

• Information about any debts or financial commitments  

• A credit check  

You’ll also need to think about whether you want: 

• A fixed rate (for predictable payments)  

• A tracker (which moves with the Bank of England base rate)  

• A longer or shorter term  

• To borrow more (e.g. for renovations or debt consolidation)  

An independent adviser can help you weigh up the pros and cons and find a deal that fits your circumstances. 

What If I’m already on the SVR (Standard Variable Rate)? 

If your fixed-rate deal has already ended and you’ve been moved to the SVR, don’t panic—but don’t wait around either. 

Every month you spend on the standard variable rate is potentially money wasted. We recommend speaking to an adviser or starting your own comparison as soon as possible. In most cases, even switching back onto a new fixed-rate deal with the same lender could save you hundreds of pounds a year. 

Should I Stick With My Current Lender? 

That depends. Sometimes your current lender will offer a decent “product transfer” deal that doesn’t require a full remortgage application. That can be quicker and easier. 

But it’s always worth comparing this with what’s available elsewhere. Other lenders may offer better rates or incentives (like free legal fees or valuation costs), especially if you’ve built up more equity in your home since your last deal. 

An independent mortgage adviser can help you compare deals across the whole market—not just one provider—and explain the pros and cons of switching. 

Real-Life Example: Laura from Norwich

Laura, 45, came to us four months before her five-year fixed mortgage deal was due to end. She hadn’t thought to look yet, but her neighbour had just remortgaged and mentioned their payments were going up. 

After reviewing her situation, we helped Laura secure a new five-year deal with a different lender, saving her just over £130 per month compared to her lender’s SVR. Because we started early, there was no gap between the old deal ending and the new one starting. And she avoided the stress of last-minute paperwork and rushed decisions.  

What Happens If Rates Go Down After I Lock In? 

It’s a fair question—and one we hear a lot, especially when the market is a bit volatile. 

The good news is: locking in early doesn’t mean you’re stuck. 

Many lenders will let you switch to a better rate with them if it becomes available before your new deal starts. And even if not, the peace of mind of knowing your future payments are sorted is often worth it. 

A mortgage adviser can keep an eye on rate movements for you and help you decide whether it’s worth switching before completion. 

Final Thoughts: Don’t Leave It Too Late 

Remortgaging might not be the most exciting task on your to-do list, but it can make a big difference to your monthly outgoings—and your financial wellbeing more broadly. 

With interest rates still in the spotlight and household budgets feeling the pinch, getting ahead of your remortgage could be one of the smartest financial decisions you make this year. 

At Brancaster House, we’re here to help you navigate the process with confidence.  Whether you’re a homeowner, landlord, or local business owner with a mortgage tied to your premises, we’ll help you find a deal that works for you. 

When it comes to buying a home-or remortgaging-there’s no shortage of decisions to make. Fixed rate or tracker? Two years or five? Go direct to a lender or speak to a mortgage broker or adviser? 

One question we hear a lot at Brancaster House Financial Planning is: 

“Is it worth using a mortgage adviser—and how much do they charge?” 

It’s a fair question. Mortgages are one of the biggest financial commitments most of us ever make, and in today’s climate of rising rates and changing rules, it’s more important than ever to feel confident in your decisions. 

In this article, we’ll explain what mortgage advisers do, what they typically charge, and—most importantly—why the value they offer often goes far beyond the fee. 

What Does a Mortgage Adviser Actually Do? 

A mortgage adviser (or broker) helps you find the right mortgage for your needs. That might sound straightforward, but the reality is often far more involved. 

Here’s what a good adviser brings to the table: 

1. Whole-of-market access 

Rather than being tied to one lender, an independent adviser can search across a wide range of providers—including some that don’t deal directly with the public. 

2. Understanding your personal situation 

They’ll take time to understand your income, expenses, credit history, employment type, and future plans. That way, they’re not just finding you a deal—they’re finding the right deal for you. 

3. Helping you prepare the paperwork 

From payslips and bank statements to tax returns and ID checks, a broker will guide you through the paperwork and help you avoid unnecessary delays. 

4. Keeping things on track 

Once the application is submitted, they’ll chase it up, deal with any queries from the lender, and keep you informed every step of the way. 

5. Looking at the bigger picture 

At Brancaster House, we look at how your mortgage fits into your wider financial plan—whether that’s saving for retirement, helping your children, or managing other borrowing. 

So… How Much Does a Mortgage Adviser Charge? 

This depends on a few factors, but here’s a rough guide to what you might expect: 

Some advisers are free to you 

Many advisers are paid a commission (also known as a procuration fee) by the lender when your mortgage completes. This is typically between 0.3% and 0.5% of the loan amount. In some cases, the adviser won’t charge you anything on top. 

Others charge a fixed fee or percentage 

This could be: 

• A flat fee (e.g. £295 or £495)  

• A percentage of the mortgage (e.g. 0.3%)  

• A combination of a smaller fee plus commission from the lender  

At Brancaster House, we’re fully transparent with our fees from the outset. You’ll know exactly what you’ll pay (if anything), and when, with no hidden surprises. 

“Why Would I Pay a Fee When I Can Go to the Bank for Free?” 

This is a common question—and an understandable one. But here are a few important points to consider: 

1. Going direct limits your options 

If you only go to your bank, you’re only seeing what they offer. That’s a bit like walking into one shop on the high street and buying the first coat you try on. You might get lucky—but you might not. 

An adviser will compare deals from across the market, potentially saving you thousands over the life of the loan. 

2. Your situation might not be ‘standard’ 

If you’re self-employed, have multiple income sources, a less-than-perfect credit score, or are looking at something slightly outside the norm (like a buy-to-let or shared ownership scheme), an adviser can find lenders who are more likely to say yes—and explain why. 

3. The true cost of the wrong deal is often far higher than the adviser’s fee 

Overpaying by even 0.5% on your interest rate could cost you thousands. A fee of a few hundred pounds pales in comparison if it gets you a better rate, a more flexible product, or approval where others said no. 

Real-Life Example: Chris & Emily from Norfolk 

Chris and Emily were first-time buyers with modest deposits. They’d spoken to their bank, who offered a fixed-rate deal that felt OK—but not amazing. A friend recommended they speak to a broker first, “just in case.” 

They got in touch with us here at Brancaster House. After a chat, we found a lender who offered a better rate, with lower upfront fees, and was happy to work with their blended income (Chris was employed, Emily self-employed). 

Is a Mortgage Adviser Worth It? 

We genuinely believe the answer is yes—especially in today’s market. 

Here’s why: 

• Rates change fast  A broker can help you move quickly and lock in deals before they disappear.  

• Rules are getting stricter  Lenders look at affordability, credit history, and income in more detail than ever. Having someone guide you through the process reduces the risk of being turned down or delayed.  

• You get personal advice  It’s not just about finding the cheapest rate. It’s about making sure the product suits your life plans—whether that’s overpaying, moving in a few years, or reducing your term.  

• It saves you time and stress  Instead of juggling forms, chasing lenders, and trying to understand what an ERC or LTV really means, you’ve got someone doing it all for you.  

Choosing the Right Broker for You 

Not all mortgage advisers are created equal. If you’re considering using one, here are a few things to check: 

• Are they independent or tied to one or a handful of lenders?  

• Do they charge a fee, and if so, how much and when?  

• Do they explain things clearly, without jargon?  

• Can they support you throughout the process, not just at the start?  

At Brancaster House, we’re not a call centre or a comparison site. We’re a local team offering advice that’s tailored, professional, and grounded in the real world. Whether you’re buying your first home, moving up the ladder, or just looking for a better deal, we’re here to help. 

Final Thoughts: You’re Not Just Paying for a Mortgage—You’re Paying for Peace of Mind 

The value of a mortgage adviser isn’t just in finding you a deal. It’s giving you confidence. Confidence that your mortgage fits your life, that your paperwork’s in order, and that someone is in your corner from start to finish. 

And in a market where rates can jump overnight, affordability rules change regularly, and even “simple” applications can feel anything but—that peace of mind is worth every penny. 

Thinking about a mortgage or remortgage? 

Let’s chat. We’ll talk you through your options, outline any costs upfront, and help you decide if working with a broker is right for you. 

When it comes to financial planning, most people tend to focus on what they have: pensions, ISAs, property, or savings accounts. But knowing what you own is only half the story. The real question is: Will it be enough to support the life you want—both now and in the future? 

At Brancaster House Financial Planning, we believe that financial confidence doesn’t come from guesswork. It comes from clarity—and one of the most powerful tools to provide that clarity is cash flow analysis. 

Let’s explore what it is, why it matters, and how it can help you make smarter financial decisions—whether you’re planning for retirement, supporting your family, or simply looking to take control of your finances. 

 What Is Cash Flow Analysis? 

In simple terms, cash flow analysis is a way of looking at how money moves in and out of your life—year by year, and even month by month. But unlike a basic spreadsheet, our approach uses sophisticated modelling tools to project your finances over the long term. 

We look at: 

• What you own (pensions, savings, property, investments)  

• What you earn (salary, rental income, dividends, state benefits)  

• What you spend (essential costs, discretionary spending, future goals)  

• What might change (inflation, market returns, health needs, life events)  

The result? A clear picture of whether your current and future finances are likely to support the life you want to live—now, in retirement, and beyond. 

Why Guessing Isn’t Good Enough 

Most people have some idea of their financial position. Maybe they’ve done the odd calculation or reviewed a pension statement. But without context, that information can be misleading. 

You might be asking yourself: 

• “I’ve got a few pensions – surely that’s enough?”  

• “I’ve always lived within my means – do I really need to plan that far ahead?”  

• “I’ll just work it out when I get closer to retirement.”  

Here’s the problem: those assumptions can leave you vulnerable. Financial decisions made on gut instinct or outdated information often miss the mark. And when it comes to long-term planning, missed opportunities can be costly—both financially and emotionally. 

How Cash Flow Analysis Helps 

Here’s what a robust cash flow analysis can do that guesswork simply can’t: 

1.  It shows you the big picture 

Cash flow forecasting allows you to see all your assets, income streams, and expenses in one place—now and projected into the future. It’s not just about how much you have, but how it all fits together. 

2. It brings your goals into focus 

Whether you want to retire at 60, help your children buy a home, or travel the world in your 70s—every goal has financial implications. Cash flow analysis allows you to model different scenarios and see the impact of each choice. 

3. It highlights shortfalls early 

Maybe you’re not saving enough. Maybe you’re taking on more risk than you realise. Maybe your plans are sound—but only if you downsize in 10 years. Whatever the case, spotting these issues early gives you more freedom to adapt. 

4. It helps you manage risk 

Life doesn’t always go to plan. With cash flow forecasting, we can test how your finances would cope with inflation spikes, market downturns, changes to tax rules, or unexpected expenses. It’s not about pessimism—it’s about resilience. 

5. It provides peace of mind 

More than anything, cash flow analysis gives you clarity. You’ll know where you stand, what’s possible, and what actions to take next. For many clients, that peace of mind is the most valuable benefit of all. 

Real Life, Real Impact 

Let’s look at a couple of examples: 

Clare, 59, was planning to retire in three years. She had several pensions and assumed they’d cover her needs. But after running a cash flow analysis, we discovered a shortfall starting at age 75 due to inflation and care costs. By adjusting her pension drawdown strategy and using her ISA allowances more efficiently, we helped her close the gap without delaying retirement. 

James and Sophie, both in their 40s, were juggling school fees and mortgage payments. They wanted to help their children with university costs but weren’t sure if they could afford to without compromising their retirement. Our cash flow model helped them map out a plan that covered both priorities—with room to spare for a few holidays along the way. 

Your Life, Your Plan 

At Brancaster House, we don’t believe in cookie-cutter plans. Your cash flow model is built entirely around your life: 

• Want to downsize in ten years? We’ll model that.  

• Planning to support elderly parents? We’ll factor that in.  

• Expecting an inheritance, or considering gifting money to your children? We’ll show you how it could affect your future.  

Every decision, from how you invest to when you retire, can be tested within your cash flow forecast. It’s your personal financial roadmap—flexible, realistic, and aligned with your goals. 

It’s Not Just About Retirement 

While cash flow planning is often used to support retirement decisions, its benefits go far beyond that. We regularly use it to help clients: 

• Decide whether to change careers or go part-time  

• Explore the affordability of a house move  

• Understand the long-term impact of gifting or supporting children  

• Plan around inheritance tax or business succession  

• Work out how much they can spend now, without jeopardising future plans  

When life gets complex, cash flow planning helps bring clarity. It turns big, abstract decisions into clear, actionable steps. 

When Should You Start? 

The earlier the better. Cash flow analysis isn’t just for those nearing retirement—it’s for anyone who wants to take control of their financial future. Even if you’re 10 or 15 years away from key life events, the choices you make now can have a huge impact on the flexibility and freedom you’ll enjoy later. 

And if you’re already approaching a milestone? It’s not too late. Many of our clients come to us with just a few years to go before retirement. With the right insight and advice, we help them make confident, informed decisions that align with what matters most. 

Ready to Get Started? 

Cash flow analysis isn’t about predicting the future. It’s about preparing for it. It’s the difference between hoping things will work out and knowing you’re on solid ground. 

At Brancaster House Financial Planning, we offer every client access to personalised cash flow modelling every year, as part of a wider, tailored financial plan. We’ll help you understand what you’ve got, where you’re headed, and what to do next. 

If you’re ready to gain a clearer view of your financial future—get in touch. We’re here to help you plan with confidence. 

Book a free, no-obligation financial health check today and take the first step toward a financial plan that supports your lifestyle, your values, and your future. 

If you run your own business, chances are you’ve said (or thought) something along the lines of: 

“I’m not paying into a pension – my business is my pension.” 

It’s a mindset we come across often here at Brancaster House Financial Planning. As a small, independent firm based in Norwich, we work with many local business owners who are pouring everything they’ve got into building and growing their business. And we get it. 

When you’re self-employed or running a family business, retirement planning often takes a backseat. You’re dealing with the day-to-day: managing cash flow, paying staff, keeping clients happy. Thinking about pensions or life after work can feel like a luxury you don’t have time for. 

But here’s the thing: assuming your business will look after you in retirement can be a dangerous bet. 

Let’s talk through why this thinking can cause problems down the line—and what a more balanced approach might look like. 

 The Assumption: “I’ll Sell Up and That’ll Fund My Retirement” 

For many small business owners, the long-term plan goes something like this: 

“I’ll build the business up, sell it when I’m ready to retire, and that lump sum will be my pension.” 

That’s not completely unreasonable—businesses do hold value. But there are a few things to consider before banking your entire future on that plan. 

The Reality: It Doesn’t Always Work Out That Way 

Here are some of the risks with relying solely on your business to fund your retirement: 

1. Your Business Might Not Sell – Or Might Not Sell for What You Hoped 

Small, local businesses—especially ones that are closely tied to the owner—can be difficult to sell. If you are the business (e.g. a sole trader, consultant, or craftsperson), there may not be much to sell beyond tools, goodwill, or a customer list. 

Even if you do find a buyer, the sale price may be far lower than expected. Valuations are often based on consistent profit, systems, or the ability to run without you – which many small businesses don’t have if it’s all been built around your personal skills. 

2. Timing Isn’t Always On Your Side 

You might be planning to sell at 65, but life doesn’t always wait for the perfect moment. Health issues, family commitments, or economic downturns can shift your plans suddenly. If you need to retire sooner than expected, relying on a future sale puts a lot of pressure on what should be your time to slow down and enjoy life. 

3. You Could End Up Working Longer Than You Want To 

Without savings or pensions to fall back on, you may find yourself still running the business well into your 70s—not because you want to, but because you have to. We’ve seen cases where people carry on working simply because they don’t feel confident they can afford not to. 

A Better Way: Taking the Pressure Off Your Business 

We’re not saying your business won’t play a part in your retirement plan. It absolutely can—and should. But it shouldn’t be your only plan. 

Here’s what we recommend: 

1. Start Building Wealth Outside of Your Business 

Even small, regular contributions to a personal pension can go a long way. As a business owner, you can contribute personally or through your limited company—where contributions can often be an allowable business expense, offering significant tax reliefs. 

You might also look at: 

• ISAs for tax-free savings  

• Property (if suitable for your circumstances)  

• General investment accounts for additional flexibility  

This helps to spread your risk, so you’re not putting all your eggs in one basket. 

2.  Understand What You’ll Actually Need 

Do you know what your retirement might cost? It’s not just about replacing your income—it’s about covering your living costs, factoring in inflation, and giving yourself room to enjoy life. 

At Brancaster House, we use cash flow forecasting tools to help you see how things might pan out over time. This includes your business, pensions, savings, spending, and more. It’s a great way to get clarity and confidence about where you stand. 

Check out our article on the power of cash flow forecasting HERE 

3. Plan for a Gradual Step Back 

For many business owners, a phased retirement makes more sense than a hard stop.

Maybe you: 

• Reduce your hours  

• Pass things on to a family member or team member  

• Take on fewer clients  

• Continue earning a small income through consultancy or part-time work  

Planning for this gradual wind-down gives you more control and helps avoid the “all or nothing” pressure of selling up in one go. 

4. Think About Legacy and Succession Early 

If your plan involves handing over to your children, selling to a colleague, or finding a buyer in the local community, it pays to start that conversation sooner rather than later. 

Buyers and successors usually want time to get to know the business—and if they’re expected to run it without you, they’ll need to see that the systems and relationships are already in place. 

Real-World Example: Mark, Local Plumber 

Mark, 58, runs a successful plumbing business just outside Norwich. He has a few sub-contractors and a loyal customer base. For years, he said, “this is my pension.” 

But when we ran his numbers, we saw that: 

• Selling the business (mainly van, tools, and goodwill) would likely bring in less than £50,000  

• He hadn’t been paying into a pension since going self-employed 15 years ago  

• He wanted to slow down by 62 and stop completely by 65  

We helped Mark set up a company pension, make use of unused tax allowances from earlier years, and start moving a portion of his business profits into personal savings and investments. He’s also training up a younger plumber to take on more work over time. 

Now, instead of banking everything on a sale, he’s got multiple options—and a much clearer path to retirement. 

Final Thoughts: Don’t Leave It Too Late 

If you’re a small business owner and haven’t thought much about retirement planning yet, you’re not alone. But waiting too long can leave you in a tight spot. Your business is a valuable part of your financial future—but it’s not a pension on its own. 

The best retirement plans are the ones with options. Options to retire on your terms, step back gradually, or make choices that suit your life—not just your finances. 

At Brancaster House, we’re here to help you build a plan that feels right for you.  

If you’d like to find out where you stand, or explore how your business fits into your bigger retirement picture, Book a free, no-obligation financial health check today and take the first step toward a financial plan that supports your lifestyle, your values, and your future. 

If you’re a solopreneur or small business owner, chances are your marketing strategy lives somewhere between your head, your inbox, and a few scattered sticky notes.

You’re not alone, and you’re not failing.

But you are making things harder than they need to be.

Let’s be honest: winging it isn’t a strategy. It’s a survival tactic.

And while it might get you through the week, it won’t build the kind of business you’re dreaming of.

The Pain of Not Having a Plan

Running a business without a written marketing plan often feels like:

• Throwing spaghetti at the wall to see what sticks.

• Posting on social media last-minute, hoping for engagement.

• Jumping on every trend, but never seeing consistent results.

• Feeling overwhelmed, unsure what to do next—or if what you’re doing is even working.

Sound familiar?

Without a clear plan, your marketing becomes reactive, inconsistent, and exhausting. You spend time and money on tactics that don’t align with your goals. You second-guess every decision. And worst of all, you miss out on opportunities because you’re too busy putting out fires.

Why Writing It Down Changes Everything

Here’s the good news: there’s a simple, proven way to break the cycle.

Write. It. Down.

According to a study by Dr. Gail Matthews at Dominican University, people who write down their goals are 42% more likely to achieve them [1]. And those who create a written plan with specific steps are 10 times more likely to succeed than those who don’t [2].

Why?

Because writing things down:

• Clarifies your thinking: You can’t be vague on paper.

• Creates accountability: You’re more likely to follow through.

• Provides a roadmap: You know what to do, when, and why.

• Reduces stress: You stop guessing and start executing.

In short, a written marketing plan turns chaos into clarity.

What a Marketing Plan Actually Does for You

A solid marketing plan isn’t just a document; it’s a decision-making tool.

It helps you:

• Define your goals: What are you actually trying to achieve?

• Understand your audience: Who are you talking to, and what do they care about?

• Choose the right channels: Where should you show up, and how often?

• Craft consistent messaging: What do you want to be known for?

• Measure what matters: What does success look like, and how will you track it?

With a plan in place, you stop chasing shiny objects and start building momentum.

The Scattergun Trap

Many solopreneurs fall into the “scattergun” trap – trying a bit of everything, hoping something works.

One week it’s Instagram Reels, the next it’s email marketing, then maybe a podcast or a pop-up event.

The result? Burnout. Inconsistency. Confusion – for you and your audience.

A written plan helps you prioritise.

It tells you what to say no to, so you can say yes to what actually makes a difference.

Introducing: The Marketing Plan Workshop

If you’re ready to stop winging it and start winning with your marketing, I’ve got something just for you.

This September, I’m hosting a Marketing Plan Workshop (one in person at the Norfolk Chamber of Commerce and one online for those who prefer to join from home.)

In just three hours, you’ll walk away with:

✅ A complete, written marketing plan tailored to your business

✅ Clarity on your goals, audience, and messaging

✅ A simple strategy you can actually stick to

✅ Tools and templates to keep you on track

✅ The confidence to market your business with purpose

Whether you’re just starting out or looking to refocus, this workshop is designed to meet you where you are and get you where you want to go.

Why This Matters Now

We’re heading into the final quarter of the year. That means now is the perfect time to get your marketing house in order, before the holiday rush, before the new year, and before you spend another month feeling stuck.

Imagine starting Q4 with a clear plan, a renewed sense of direction, and a marketing strategy that actually works for you.

No more guessing. No more overwhelm. Just focused, intentional action.

Real Talk: You Can’t Afford Not to Do This

Let’s break it down:

• Time: You’re already spending hours on marketing. A plan helps you use that time wisely.

• Money: Every ad, post, or promo without a strategy is a gamble. A plan helps you invest, not waste.

• Energy: Decision fatigue is real. A plan reduces the mental load so you can focus on what matters.

  
  

And remember: only 3% of people have written goals with a plan to achieve them—but they’re the ones who are 10 times more likely to succeed [2].

Which side of that stat do you want to be on?

Let’s Do This Together

You don’t have to figure it all out on your own. This workshop is designed to guide you step-by-step, with expert support and a community of fellow business owners who get it.

Whether you’re a coach, maker, consultant, or creative, this is your chance to finally get your marketing sorted—and feel good about it.

📅 Save Your Spot

Marketing Plan Workshop

🗓 September (exact date TBC)

📍 Norfolk Chamber of Commerce & Online

⏰ 3 hours to transform your marketing

🎯 Walk away with a complete, written plan

Spots are limited, so don’t wait. Your future self – and your business – will thank you.

Ready to stop winging it and start winning with your marketing?[Click here to register now] ( link)

References

[1] 23 Writing Down Goals Statistics, Facts and Trends in 2024

[2] +22 Goal Setting Statistics In 2025 (New Facts And Studies)

Microsoft 365 feeling more like a digital obstacle course than your trusty sidekick?

You’re not alone. SMEs often leave powerful tools gathering dust—chaotic file versions, security features asleep at the wheel, and duplicate apps draining your budget.

At Beacon IT, we turn that around with some simple steps, like:

✅ Tidying up with OneDrive & SharePoint
✅ Flipping on MFA & encryption in seconds
✅ Ditching duplicate subscriptions and saving

We’ll guide you through more steps in plain English -no jargon goggles required.

📖 Read more: https://www.beaconit.co.uk/microsoft-365-tips-for-smes
💬 Or drop us a line for a friendly chat.

At Brancaster House Financial Planning, we’ve reviewed countless retirement plans over the years. And while every person’s financial situation is different, there’s one consistent – and worrying – flaw we see time and time again:

Most people have no real idea what their retirement savings will actually provide.

They don’t know what they have, what they need, or whether they’re even remotely on track. Even worse, many people believe they’re doing fine… when the reality is far more uncertain.

This hidden flaw is costing future retirees peace of mind, financial security, and in some cases, the retirement they’ve worked decades to achieve.

Let’s explore why this happens, what the risks are, and what you can do about it.

1. People Don’t Really Understand What They Have

It’s common for people to walk into our office with a stack of pension statements, a handful of old workplace schemes, maybe an ISA or two, and a vague idea of what they think their retirement pot looks like.

But there’s a critical difference between having assets and understanding their function.

·         Pension statements may show a projected value at retirement – but what income will that actually produce?

·         Investment accounts might have grown nicely – but how will market volatility affect withdrawals over time?

·         State Pension entitlements are often misunderstood or overestimated.

The problem isn’t a lack of effort. It’s a lack of clarity. Most retirement plans are built around accumulation – saving and investing – but not around decumulation – how you will actually draw income in retirement in a sustainable, tax-efficient way.

2. Most Retirement Plans Are Not Plans – They’re Just Pots

There’s a crucial distinction between having a retirement plan and having retirement accounts.

A plan involves:

·         Knowing when you want to retire.

·         Understanding how much you’ll need to live the life you want.

·         Mapping out how your income will be generated over time.

·         Factoring in inflation, taxes, healthcare costs, longevity risk, and market downturns.

But many people haven’t done that thinking. They’ve simply collected pots over time and assumed it will be “enough.”

This leaves them exposed to a painful reality: accumulating money doesn’t automatically translate into sustainable income.

3. The Dangerous Assumption: “I Think I’m On Track”

Many people operate on a hunch when it comes to retirement readiness.

·         “I’ve got £300,000 saved; that should be fine, right?”

·         “My workplace pension keeps going up.”

·         “I’ve never really thought about how much I’ll need—I’ll just live within my means.”

The problem with this thinking is that it doesn’t take into account the realities of retirement spending patterns or risk.

For example:

·         Spending often spikes in the early years of retirement (travel, hobbies, helping children), then fluctuates.

·         Healthcare and care costs typically rise in later life.

·         Inflation erodes purchasing power over decades.

Without a clear understanding of your income needs and your resources, it’s nearly impossible to know whether you’re genuinely on track.

4. Even Worse: Some People Are Off Track – and Don’t Know It

In many cases, people are not just uncertain – they’re overconfident. They assume that their savings and pension contributions will naturally deliver a comfortable retirement. But there are warning signs that often go unnoticed:

·         No idea how much retirement will cost.

·         No specific retirement date or age in mind.

·         No forecast of income vs. expenditure over time.

·         No plan for sequence-of-returns risk (the danger of negative investment returns early in retirement).

·         No strategy for drawing income tax-efficiently.

The earlier someone realises they’re off track, the more options they have to fix it – by saving more, adjusting their timeline, or restructuring their investments.

But the later this realisation comes, the fewer choices remain.

5. How to Know If You’re Truly On Track

At Brancaster House, we believe in making retirement planning simple, actionable, and clear. Here are the key signs of a well-designed plan:

·         You know your number: the amount of annual income you’ll need in retirement (factoring in inflation).

·         You have a retirement income plan: including pensions, investments, property, and other sources.

·         You know how long your money will last: under a variety of market and life expectancy scenarios.

·         You have a withdrawal strategy: including which pots to access first, and when.

·         You understand your risks: including longevity, inflation, market volatility, and unexpected expenses.

And most importantly – you have peace of mind. You’re not guessing. You’re planning.

6. Why Clarity Matters More Than Anything

Retirement isn’t just about money. It’s about freedom. Freedom to choose how you spend your time, where you live, how you support your family, and what kind of legacy you leave behind.

But freedom requires clarity. And clarity doesn’t come from guesswork – it comes from financial planning.

At Brancaster House, our role is to bring that clarity to your retirement journey. We help you:

·         Understand what you truly have.

·         Forecast what you will likely need.

·         Build a strategy to bridge any gaps.

That means we don’t just look at pension statements. We look at your life, your goals, your values – and we create a tailored plan that helps you live the retirement you’ve imagined.

7. The Bottom Line

The hidden flaw in most retirement plans isn’t a lack of effort or even a lack of saving. It’s a lack of understanding. Most people don’t know if they’re on track – until it’s too late to course-correct.

But it doesn’t have to be this way.

With the right advice, a clear plan, and a proactive approach, you can take control of your future, eliminate uncertainty, and move toward a retirement built on confidence – not guesswork.

If you’re unsure where you stand – or simply want a second opinion on your retirement plan – we’re here to help.

Book your complimentary Retirement Clarity Review with Brancaster House today.

Your future deserves more than guesswork. It deserves a plan.

If you would like to discuss your pension position needs with one of our advisors, please request a free financial health check here:  https://www.brancasterhouse.co.uk/healthcheck

Should your business invest in height-adjustable desks? Here’s what you need to know

They’re popping up in workplaces everywhere, and chances are you’ve seen them online or in person. But are height-adjustable desks really as beneficial as people say – or just a fad we’ll all forget about in a few years?

At Millar West, we’ve seen plenty of furniture trends come and go over the past 30 years. In this article, we’ll give you our honest take on sit-stand desks. What the research says, who they benefit, and how to choose the right one for your workspace.

1. What are height-adjustable desks?

Height-adjustable desks (also called sit-stand desks) allow users to switch between sitting and standing during the workday.

Most use electric motors to raise or lower at the push of a button – some are manual crank-based. Either way, the goal is simple: to help people move more and sit less at work.

2. Why businesses are paying attention

UK businesses face a range of challenges today, and chances are, you’ve felt them firsthand.

One of the biggest is employee absenteeism. In 2023 alone, over 8 million sick days were taken due to back-related issues. With 3 in 10 workers reporting regular back pain, it’s clear that workplace health is becoming a serious concern.

That’s why more companies are exploring ways to improve employee wellbeing. It’s now becoming essential for reducing time off, boosting productivity and staying competitive in today’s tougher markets.

Height-adjustable desks have emerged as a simple, effective part of that solution. And it’s not just blind hope – there’s solid evidence they can make a real difference.

3. What the research says 

In recent years, several scientific studies have explored the real-world impact of height-adjustable desks. One of the most reliable came in 2018 – a year-long study in a working office environment.

Here’s what they found when comparing height-adjustable desks to traditional desks:

• 47% of users reported reduced upper back, shoulder, and neck discomfort

• 65% saw better energy levels and improved health outside of work

• 65% also reported increased productivity and sharper focus

Other key findings:

• A 2021 Japanese study found a significant reduction in neck and shoulder pain

• A 2022 University of Leicester study reported reduced workplace stress and body pain

These weren’t just small, casual surveys – they were peer-reviewed and methodologically sound. In short, the benefits of sit-stand desks are real.

4. Why sitting all day is a problem

Sitting for long stretches can take a toll on your body and mind. Here’s a quick snapshot of what the research shows:

• The average office worker sits 6.5 to 8 hours per day, not counting evenings.

• Prolonged sitting is linked to metabolic syndrome (high blood pressure, blood sugar, and belly fat).

• Sitting 8+ hours/day raises the risk of early death by 22%, especially in inactive adults.

• It’s also tied to higher levels of anxiety, depression, and workplace stress.

• Physically, it weakens muscles, shortens hip flexors, and compresses spinal discs, leading to long-term back pain and higher absenteeism.

You’ve probably heard the phrase “sitting is the new smoking.” While a bit dramatic, it reflects a serious health issue.

5. Could height-adjustable desks help you and your team?

If you or your colleagues spend most of the day sitting at a computer, a height-adjustable desk could make a big difference.

We’d recommend them if:

• Your team sits 6+ hours per day

• Staff report recurring aches or low energy

• You’re looking to improve productivity or reduce sick days

• You want to modernise your office setup

6. What to consider before you buy one

The good news is that height-adjustable desks aren’t that expensive anymore.

With the global sit-stand desk market expected to grow to over £10 billion by 2032, manufacturers are constantly competing on price.

Here’s a quick guide if you’re looking to invest in height-adjustable desks:

• Measure your space just like you would for a traditional desk.

• Check the weight limit – 100kg is a good benchmark for dual monitors and heavier setups.

• Check the height range – not all desks go as high or as low as you might need. The correct height for standing is generally elbow-level.

• Manual or electric? Manual desks are cheaper, but can be awkward to adjust. Electric desks change height in seconds.

• Single vs Dual Motor: Dual motor frames last longer, are less likely to break, and the price difference is small.

• Control panel settings: If your staff will share a desk, get one with memory settings so they can quickly adjust the desk to their preferred height.

7. Want to try one out first?

If you’d like to see what an electric height-adjustable desk is really like to use, we offer a free trial.

At Millar West, we’ve helped everyone from small startups to NHS departments find the right sit-stand solution without blowing the budget.

We can deliver and install a desk for you to try in your own space, with a range of sizes, finishes, and styles available.

Whether you’re upgrading a home office or furnishing an entire workspace, we’ll help you find the right fit. Get in touch today to arrange your free trial.

In today’s fast-paced working world, health and safety are no longer optional—they’re essential. As organisations strive to build stronger, more resilient workforces, investing in proper training is key. One of the most recognised and respected health and safety training programmes in the UK and globally is the IOSH (Institution of Occupational Safety and Health) course. Whether you’re a team leader, manager, or frontline employee, completing an IOSH course can offer wide-ranging benefits—not just for you as an individual, but for your entire organisation.

What is IOSH? IOSH is the Chartered body for health and safety professionals. Their courses are designed to equip individuals with the knowledge and tools to identify and manage risks in the workplace effectively. The most popular courses include: IOSH Managing Safely – Ideal for managers and supervisors across all sectors. IOSH Working Safely – Perfect for employees at any level, in any industry. These courses are widely recognised and set a solid foundation for creating safer work environments.

Top 5 Benefits of Completing an IOSH Course

1. Improved Workplace Safety IOSH training empowers individuals to identify potential hazards and implement effective risk control measures. A trained team leads to fewer accidents, injuries, and near-misses—creating a safer and more productive workplace.

2. Legal Compliance Health and safety legislation is complex and constantly evolving. IOSH courses ensure that your team is aware of their legal responsibilities, helping your organisation stay compliant and avoid costly fines or legal issues.

3. Boosted Employee Confidence and Morale When employees know that their workplace prioritises safety—and that they are trained to handle risks—it significantly boosts morale. A confident, safety-conscious workforce is also more efficient and motivated.

4. Enhanced Reputation Organisations known for their commitment to health and safety gain a competitive edge. Clients, customers, and stakeholders are more likely to trust companies that demonstrate a proactive approach to employee wellbeing.

5. Cost Savings Workplace accidents can lead to significant costs—from lost productivity to compensation claims. By reducing incidents through effective training, organisations can see measurable financial benefits over time. Who Should Take an IOSH Course? IOSH courses are suitable for a wide audience: Managers and Supervisors – To effectively lead safe teams. Employees – To work responsibly and spot hazards early. New Starters – To instil a safety-first mindset from day one. Health and Safety Champions – To deepen their expertise and lead initiatives.

Conclusion: A Smarter, Safer Future Completing an IOSH course is more than just ticking a compliance box—it’s a proactive step towards a safer, more successful workplace. With the right training, your team can manage risks confidently, protect each other, and contribute to a positive safety culture that benefits everyone. Whether you’re an individual looking to boost your skills, or an employer aiming to raise safety standards, IOSH training is a smart investment in your people and your future.

We are running an IOSH open course in Wymondham 15th-17th July 2025. Get in touch for more details.

“Do I Have Enough Money to Retire?” – Clarity Through Cashflow Forecasting

It’s one of the most important and most frequently asked questions we hear: “Do I have enough money to retire?” 

For many, the idea of retirement is both exciting and daunting. The thought of stepping away from work and embracing the next chapter of life brings dreams of travel, hobbies, and freedom. But it also raises serious concerns: Will my money last? Can I maintain my lifestyle? What if something unexpected happens?

At Brancaster House Financial Planning, we understand that retirement isn’t just about reaching a certain age or hitting a magic number in your pension pot. It’s about confidence. It’s about knowing that your finances will support the lifestyle you envision, for the rest of your life.

Understanding What Retirement Really Means

Retirement means different things to different people. For some, it’s a complete exit from the workforce. For others, it might mean reducing hours, changing careers, or pursuing passion projects. Regardless of your definition, the common thread is financial independence – the ability to make decisions without being limited by money.

Planning for that kind of freedom doesn’t happen overnight. It requires thoughtful analysis, strategic decision-making, and most importantly, clarity. That’s where we come in.

It’s Not Just About the Pension Pot

When people think about retirement planning, they often zero in on their pension. While your pension is undoubtedly a key piece of the puzzle, it’s far from the whole picture. Savings, investments, property, state benefits, and other assets all play a role. So too do your expenses, both essential and discretionary.

The big question isn’t just “How much have I saved?” but “What do I want my retirement to look like, and will my resources support that vision?”

This is where lifestyle planning becomes essential. Are you hoping to travel extensively? Do you want to help children or grandchildren financially? Will you remain in your current home or downsize? All these choices carry financial implications.

How We Help: Clarity Through Cashflow Forecasting

At Brancaster House Financial Planning, we use advanced cashflow forecasting tools to give you a realistic, personalised view of your financial future. This isn’t just about looking at your savings and investments on paper. It’s about modelling your actual lifestyle – your income, expenditure, tax obligations, and future goals.

We’ll work with you to build a detailed picture of what your retirement might look like, taking into account:

• Your current assets and liabilities

• Anticipated income from pensions, savings, and investments

• Expected and potential expenses (e.g. travel, healthcare, care costs)

• Inflation and investment growth assumptions

• One-off events, such as gifting money or moving house

The result is a living, breathing financial roadmap that helps you understand whether you’re on track or whether adjustments are needed.

Real-Time Insight With Your Personal Client Portal

We also provide each of our clients with a secure, personalised customer portal that gives you real-time access to your financial information. From tracking your outgoings to monitoring the performance of your investments, this platform brings transparency and control to your fingertips.

No more guesswork. No more digging through paperwork. Just a clear, accessible view of your finances, whenever you need it.

Planning for the Unexpected

A good retirement plan isn’t just built for the good times; it accounts for the unexpected as well. Market volatility, health issues, changes in family circumstances or new tax rules can all impact your financial position.

Through our planning process, we’ll stress-test your forecast under various scenarios. What happens if inflation rises faster than expected? What if you live 10 years longer than you assumed? What if you need to provide care for a loved one? These are uncomfortable questions, but addressing them now gives you the confidence to navigate the future with peace of mind.

Making the Most of What You’ve Got

Part of our role is helping you make your money work harder. That might mean:

 – Making better use of tax allowances (such as ISAs and pension contribution reliefs)

 – Reviewing investment strategies to suit your retirement timeline

 – Considering phased retirement to draw income tax-efficiently

 – Evaluating the potential benefits of downsizing or equity release

 – Aligning estate planning to minimise inheritance tax

 None of these strategies are one-size-fits-all. That’s why everything we do is built around you – your goals, your values, your lifestyle.

Why People Delay…and Why You Shouldn’t

It’s natural to put off retirement planning, especially if you’re uncertain about what lies ahead. But the earlier you start asking the right questions, the better positioned you’ll be. Even if retirement is 10 or 15 years away, decisions you make now – around saving, investing, or paying off debt – can have a major impact on your future options.

And if you’re already nearing retirement age? There’s still time to make meaningful changes. Many of our clients come to us just a few years before they plan to retire. Through careful planning and considered advice, we help them gain clarity and confidence about what lies ahead.

Book Your Free Financial Health Check

If you’re unsure whether you have enough money to retire, we encourage you to take the first step today. Our free financial health check is a no-obligation opportunity to talk through your current situation and understand your options.

Retirement isn’t a destination; it’s a new phase of life that should be enjoyed with confidence and freedom. Asking, “Do I have enough to retire?” isn’t a sign of doubt; it’s a sign that you’re ready to take control of your future.

Book your free health check here:

https://www.brancasterhouse.co.uk/healthcheck