The Money Nest by Heron Financial

Heron Financial
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The Nest is a clear, no-jargon podcast about mortgages, homeownership and getting truly “mortgage ready”. Hosted by advisers from Heron Financial, a fee-free, B Corp certified mortgage and protection brokerage, each episode breaks down a specific topic in plain English: from saving a deposit and improving your affordability, to navigating new build, shared ownership, remortgaging and protection. Whether you are a first-time buyer, an existing homeowner planning your next move, or simply trying to make sense of rates and lender criteria, The Nest is here to make the process calmer and easier. No hype, no hard sell. Just practical guidance, real scenarios and actions you can take to move closer to owning – or keeping – the home that is right for you.

  1. FEB 16

    When Should You Remortgage? How to Avoid Overpaying and Plan Smarter

    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/

    23 min

  2. JAN 19

    How Heron Financial Built 14 Years of 5-Star Trust in Mortgage & Protection Advice

    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/

    22 min

  3. 05/08/2025

    Bank of England Base Rate Decision - Reaction - May '25

    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 expectedWhat impact the trade wars/tariffs have had on interest rates in the UKWhat todays cut means in money marketsUltimately how this affects mortgage pricingWe 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/

    11 min

  4. 04/29/2025

    Mortgage Market Update - May 25

    Despite being billed as 'awful April' there were a number of positive updates in the Mortgage and Property world. Matt Coulson (Founder) and Richard Campo (Head of Growth) talk over these headlines in more details: Lenders offering larger loans, with one going to 7 x income!Inflation fellProperty Prices are on the upSo to see what all that means and how it affects mortgage pricing and money markets, we hope you enjoy the listen If you prefer, you can also read the text update HERE 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/

    22 min

  5. 03/31/2025

    Mortgage Market Update - Apr 25

    In the latest edition of the Heron Financial podcast, Matt (Founder) and Richard (Head of Growth) talk over the topical points in the mortgage world. Key themes are: The Spring Statement - How Labour plans to 'Get Britain Building'Inflation comes down to 2.8%Mortgage Product choice goes to a record level of 25,090So for that, and a meaty conversation on the benefits to both the Economy and individuals of home ownership, we hope you enjoy the episode 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/

    23 min

  6. 03/20/2025

    Bank of England Base Rate Decision - Reaction - Mar '25

    While a hold from the Bank of England (at 4.5%) was widely predicted, Matt Coulson (Founder) and Richard Campo (Head of Growth) look at depth at the Minutes from the Bank of England to understand things like: What impact this will have on mortgage rates?Where inflation is going and how that impact the Bank of England?How the uncertainty in global markets impacts the UK?How does the Bank of England balance slowing growth with rising inflation?So for that and a lot more besides, we hope you enjoy the podcast 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/

    17 min

  7. 03/20/2025

    Mortgage Market Update - Mar 25

    In a packed Mortgage Market update, Matt Coulson (Founder) talks to Richard Campo (Head of Growth) about: Heron being signed off as B Corp firmReaction to the Bank of England cutting rates to 4.5%How the rate reductions and B Corp all tie into how mortgages are pricedIncreased availability of mortgage products for both small deposits and Buy To LetSo for that and a lot more beside, we hope you enjoy the podcast. For more information on B Corp you can see our new page on the topic - https://heronfinancial.co.uk/certified-b-corporation/ 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/

    18 min

  8. 02/28/2025

    The UK's Trailblazing B Corp Certified Mortgage Brokers

    In this Episode Kia Foster (Partnership Sales Manager at MAB) talks to Matt Coulson (Founder) about Heron Financial's recent achievement of B Corp certification. They taklk over what B Corp certification entails, including adherence to high social and environmental standards, transparency, and accountability. Matt shares insights into the rigorous journey his team undertook to achieve this certification, emphasizing the importance of sustainability and commitment to stakeholders beyond just shareholders. He highlights the ongoing nature of maintaining B Corp status, where businesses must continually meet standards and work towards improving their social and environmental impact. Furthermore, Matt notes the significance of the certification for clients and partners, indicating that it reflects a company's dedication to being a responsible business. For more information, please visit the Heron Financial website page on this topic - https://heronfinancial.co.uk/certified-b-corporation/ or you can follow us on social media. Look out for our monthly emails that will further discuss this journey and insights into the mortgage market. 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/

    16 min
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About

The Nest is a clear, no-jargon podcast about mortgages, homeownership and getting truly “mortgage ready”. Hosted by advisers from Heron Financial, a fee-free, B Corp certified mortgage and protection brokerage, each episode breaks down a specific topic in plain English: from saving a deposit and improving your affordability, to navigating new build, shared ownership, remortgaging and protection. Whether you are a first-time buyer, an existing homeowner planning your next move, or simply trying to make sense of rates and lender criteria, The Nest is here to make the process calmer and easier. No hype, no hard sell. Just practical guidance, real scenarios and actions you can take to move closer to owning – or keeping – the home that is right for you.

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