Mortgages and Property Planning
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Making Property Work in Your Financial Plan
Thinking about buying a home or including property in your portfolio? It’s an attractive option, offering value that generally increases over time. There’s also the fact that you get a physical asset; one you can see and feel. Buying a home in England can therefore be an emotional decision as well as a financial one. However, it pays to keep a cool head. With property, there’s a lack of liquidity, high initial costs and the threat of market fluctuations. If you’re keen to take the plunge, you’ll need mortgage and financial advice.
Supporting First-Time Buyers onto the Property Ladder
Getting onto the property ladder is no easy task. In London, for example, the house price to earnings ratio is 11 times salary*. Just saving up a deposit is a rung too far for many. However, there are schemes designed to support first-time buyers. They include the Lifetime ISA (LISA), which offers a 25% government bonus to help build a property deposit faster. There’s also an array of other government schemes that offer first-time buyer mortgage help. Whatever your situation, you need home-ownership planning and long-term mortgage and property advice if you want to get on that property ladder.
Helping Families Move and Upsize with Confidence
Got a growing family? Ready to upsize? If so, you need to think about family mortgage planning. Because moving to a larger home is about improving your lifestyle and future-proofing your family’s needs. What will be essential? And what will just be a ‘nice-to-have’? Are there good schools nearby? Whatever the answers, there’s no doubt that upsizing your home requires some ‘moving home’ mortgage advice.
Property in Your Wider Wealth and Retirement Plan
Purchasing a home in the UK is a big decision. It is crucial that your mortgage fits with your overall financial plan. That means defining your financial goals in terms of your retirement and legacy. With this information you can choose the right mortgage: fixed-rate, adjustable-rate, or interest-only – but do remember to take affordability into account. There may be taxes, insurance and maintenance expenses, so it’s sensible option to budget for unforeseen costs. With careful property and wealth management, you can ensure that your assets are protected, your retirement looks rosy and that your family gets your assets. In short, you’ll set a great example of intergenerational property planning.
*https://www.economicshelp.org/blog/5568/housing/uk-house-price-affordability/
You will incur a lifetime ISA government withdrawal charge (currently 25%) if you transfer the funds to a different ISA or withdraw the funds before age 60 and you may therefore get back less than you paid into a lifetime ISA.
By saving in a lifetime ISA instead of enrolling in, or contributing to an auto-enrolment pension scheme, occupational pension scheme, or personal pension scheme:
(i) you may lose the benefit of contributions from your employer (if any) to that scheme; and
(ii) your current and future entitlement to means tested benefits (if any) may be affected.
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Testimonials
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I had the pleasure of working with Claudia recently, I was recommended Claudia by a family member so contacted her.
I wanted to sort out my pension, I had been with the same provider for many years and did not feel this suited my long term needs anymore. I wanted a more tax efficient way of utilising my pension.
After an initial chat, I felt so confident in her ability to help me with my financial affairs.
We corresponded over the next few weeks, Claudia was professional, friendly and thorough in her communications and advice to me.
We agreed which changes to my pension would benefit me, both long and short term. She took care of everything, keeping me informed and updated throughout the process.
Claudia has made me feel more confident and secure in my future financial affairs and we have agreed to review my finances on a regular basis, ensuring my investments are as efficient as possible.
I would recommend Claudia to anyone who has not reviewed their pension in a while, or who wants to look at tax efficiency in their pension, investments and financial affairs.
JC
Working with Claudia has been a genuinely transformative experience for our financial future. From the very beginning, she took the time to understand our goals, our family circumstances and our appetite for moderate risk, given that as a couple we have a slightly different risk appetite. Her guidance was instrumental in helping us make informed decisions about our pensions, inheritance tax planning and investments , not just for the short term but with a clear view toward the medium and long term.
One of the most valuable outcomes of our work together was Claudia’s support in selecting the right fund manager and crafting a combination of funds and investment vehicles that perfectly aligned with our investment horizon and comfort level. It wasn’t just about numbers—it was about feeling confident that our financial strategy reflects who we are and what we want for our family.
What we appreciated most was Claudia’s clarity, patience, and genuine care. She made complex topics feel approachable and always ensured we felt in control of the decisions we were making. Her advice was never one-size-fits-all—it was thoughtful, tailored, and forward-looking.
We now feel far more secure about our financial future and are grateful for the peace of mind her expertise has provided. We would wholeheartedly recommend Claudia to anyone seeking financial advice—especially those navigating retirement planning, estate considerations, or investment choices with family in mind. Her insight and personal approach make all the difference.
A.K & M.K
Claudia has been brilliant in helping us with our financial planning. We didn't really know what we needed (apart from some sort of help!) and she really took the time to understand both our family goals and our personal goals, as well as what matters to us, what concerns us, and how this all interacts with our finances and our actual life.
She handled a couple of remortgages for us effectively and sensitively, making sure that we got the products that best fit within our wider financial picture. But it was really the advice that Claudia's provided around these that's been so impactful for us. Everything has been clear, considered, and completely trustworthy, and we will absolutely be continuing to use her and recommending her to anyone we know!
DT & LT
Working with Claudia has been a pleasure! I've had the opportunity to refer several of my accounting clients to her for financial planning advice.
The feedback I've received from them has been consistently positive, highlighting Claudia's competence, diligence, and the value she brings to her clients. I would not hesitate to recommend Claudia to anyone seeking a trustworthy and knowledgeable financial advisor.
M. N
Claudia has been absolutely amazing. Before I didn't know much about pensions, I didn't have a clue to be honest. After becoming a full time sole trader, I knew I needed help sorting out a private SIPP as I've contributed to my work based pension for years beforehand. I'm happy knowing my money is safe but also growing for my future.
Recently after getting a good financial base started, she's now started helping me maximise my savings as being a high rate tax payer, I wanted to protect any interest from falling into over into taxable interest as much as I can. Would highly recommend, she's lovely, super friendly and always there to help.
L. C
I cannot recommend Claudia Button highly enough. From our first meeting, she took the time to really listen and understand my personal circumstances, goals, and concerns with no pressure At All to move my portfolio over to her.
She has guided me through important decisions pertinent to me with patience and professionalism and she explains financial matters in a clear and approachable way never making me fee overwhelmed or embarrassed to ask for more details.
I do feel comfortable that my financial future is in safe hands and that I have her support. If I am concerned about anything or have a general question re finances she gets back to me quickly. For someone looking for a knowledgeable, approachable, and trustworthy advisor I would wholeheartedly recommend Claudia.
V.R
We’ve been with Claudia for many years, and honestly, we couldn’t have asked for better support. She’s been there for us every step of the way, from helping us with savings and pensions to now guiding us into our retirement planning. What we’ve really appreciated is how approachable she is.
No matter what questions we have, Claudia is always ready to explain, reassure, and, if needed, go the extra mile to sort things out. It’s made a huge difference knowing we’ve had someone so professional and caring looking after us. We’d happily recommend her to anyone in need of financial guidance.