The Clayton Hulme Partnership Limited

28/10/2026

🏡 Budget 2026: What it means for Homeowners & First-Time Buyers

Today's Budget included a number of announcements that could be welcome news for those looking to get onto the property ladder and homeowners managing household finances.

✅ New "Your First Home" Scheme The government has confirmed further details of its proposed Your First Home scheme, designed to help eligible first-time buyers purchase a new-build property with as little as a 2.5% deposit, supported by a 20% government-backed equity loan.

✅ Support for Affordability The scheme is intended to tackle one of the biggest challenges facing first-time buyers today: saving a deposit while managing rising living costs and rents.

✅ Potential Help with Household Costs The Chancellor also announced measures aimed at easing household budgets, including a £100 energy payment for millions of households and the continuation of energy bill support measures.

💬 What does this mean for you? If you're a first-time buyer, today's announcements could make homeownership more accessible, particularly if saving for a large deposit has been the main obstacle. Existing homeowners may also benefit from measures designed to reduce pressure on household finances.

As always, government schemes come with eligibility criteria and affordability assessments, so professional mortgage advice remains essential before making any decisions.

📞 If you're wondering how these Budget changes could affect your plans to buy your first home, move home, or remortgage, get in touch and we'd be happy to help explain your options.

22/10/2026

Had an amazing day at the Black Friar in Manchester yesterday with our professional colleagues from other mortgage broker firms sharing ideas on tech, AI, systems, processes and everything in between all with the client journey at the heart of it.
Food, company and conversation were top notch!
We then enjoyed a few drinks with Fran and Dan from Primis network and Sam from West One…
Looking forward to the next one in April 🙌

06/10/2026

🚨 Self-Employed and Planning a Mortgage? Don't Get Caught Out... 🚨

As of today (6 October 2026), many mortgage lenders are beginning to request evidence of your 2025/26 income when assessing self-employed mortgage applications.

The important thing to remember is that, under HMRC rules, your 2025/26 Self Assessment tax return may not need to be submitted until 31 January 2027. However, if you're applying for a mortgage before then, your lender may want to see your latest figures now.

This could include:

✅ SA302 / Tax Calculation
✅ Tax Year Overview
✅ Latest accounts
✅ Up-to-date income figures

If these aren't prepared, it could lead to delays or potentially reduce the number of mortgage options available to you.

Whether you're looking to buy your first home, move house or remortgage, getting organised early can make all the difference.

📞 At Clayton Hulme Partnership, we help self-employed clients prepare for the mortgage process and understand exactly what lenders are likely to require.

Get in touch today if you'd like to discuss your plans and make sure you're mortgage-ready.

17/09/2026

📢 Bank of England Holds Base Rate at 3.75%

The Bank of England has today announced that the base rate will remain unchanged at 3.75%. While many borrowers were anticipating movement upwards, today's decision provides a degree of stability for homeowners, landlords and businesses alike. However, it's important to remember that lenders can and do still adjust their mortgage rates independently based on market conditions and swap rates.

For those currently on a fixed-rate mortgage, today's announcement is unlikely to have an immediate impact. However, if you're on a tracker or variable rate, or your fixed deal is due to end in the coming months, now could still be a good time to review your options and understand what rates are available in the market.

Whether you're looking to remortgage, move home, raise additional funds, or simply want reassurance that you're on the most suitable deal, we're here to help. A proactive review today could help you stay one step ahead and ensure your mortgage continues to support your financial goals.

15/09/2026

As the school year starts once again, we see the upturn in clients looking to move house but what if you're in the middle of a fixed rate deal and tied in to your current lender?

We're here to help plan your way forward!!

This episode unpacks the complexities of wanting to move house whil...

10/09/2026

"It’ll never happen to me..." 💭

We’ve all said it! But protection isn’t just about the 'worst-case scenario'—it’s about the everyday bumps along the way.

- Did you know that 23% of UK households visited A&E in the last 12 months, and nearly half of adults have broken a bone?*
- Major illnesses might feel distant, but a simple slip, a sports injury, or a child’s overnight hospital stay can interrupt work and put an unexpected strain on household finances.*
- In fact, over 57% of parents have had their work or finances disrupted due to a child's illness or injury.*

Protection doesn't have to be complex or all-or-nothing. It’s about putting a safety net in place for life’s everyday surprises.

Are your finances protected against the small things life throws your way? 📲

Drop us a message or comment below to book a quick, hassle-free chat today! ☕👇

*source: Met Life Everyday Risk Report 2026

26/08/2026

🚨 Could Your Business Survive Without You or a Key Employee? 🚨

New research has revealed that many UK SMEs are leaving themselves exposed to significant financial risk:

📊 45% of SME owners have never sought advice on business protection.
📊 23% of businesses would struggle to continue trading for more than one month if they lost a key person.
📊 A further 39% could only survive for up to six months.
📊 1 in 10 businesses say they would cease trading immediately if the owner was unable to work due to illness or injury.

For many business owners, the company is their biggest asset, yet it's often the least protected.

Business Protection solutions can help safeguard:
✅ Business loans and liabilities
✅ Key employees and directors
✅ Shareholder ownership arrangements
✅ Family income and business continuity

The question isn't whether something unexpected will happen. It's whether your business would be financially prepared if it did.

If you're a business owner and haven't reviewed your protection arrangements recently, now could be a good time to start the conversation.

In my experience, many business owners insure their premises, vehicles and equipment, but overlook the very people who generate the profits.

📞 Get in touch as a short review can often identify simple ways to strengthen resilience around any current arrangements.



Source: Scottish Widows Business Protection Research 2026

24/08/2026

With a fast changing mortgage and property market being sensationalised by the main stream media for "clicks", are you getting completely bamboozled, puzzled, frustrated and unsure about what to do for the best in terms of your mortgage and thinking of moving house or staying put?

It's no wonder as this photo is the main body of an industry email received today which seems to report every possible positive and its negative happening at the same time.

With over 60 years combined experience in the industry, Chris and Zoe can pick their way through the media click bait frenzy and can give you a real world personalised steer on the options that could work for you.

Let us know in the comments what your questions are about the current market and we'll pick up on some of the key aspects for you.

30/07/2026

No surprise from the Bank of England today as the base rate remains at 3.75% for the fifth consecutive meeting.

The MPC cited ongoing economic uncertainty despite inflation falling to 2.6% in June.

Good news for borrowers seeking stability, although significant cuts to mortgage rates may not happen immediately...

The Monetary Policy Committee voted 6-3 to keep the interest rate at 3.75%.

Find out more: https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

27/07/2026

We are a small team that’s puts everything we can into supporting our clients achieving their home owning dreams and helping them stay there no matter what life throws at them.🙌

We are blessed to work with the nicest clients we could wish for and it’s genuinely heartfelt when we receive gifts with notes such as this one 🙏

Thank you Andy, glad we got sorted for you. It’s always a pleasure to work with you 😊