Infimo Ltd

🍂 Hello October! As the clocks prepare to change and jumper weather properly sets in, it's a good moment to check your finances are as cosy as your home.

Mortgage, protection, insurance — if it's been a while since any of it was reviewed, this is your sign. A quick chat costs nothing, but could save you a lot.

We're right here in Cardiff whenever you're ready 💬

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]

📅 One month from today!

The Chancellor delivers the Autumn Budget on 28 October, and speculation is already building about what it might mean for mortgages, savings and tax 🤔

Nothing is confirmed yet, so try not to make big financial decisions based on rumours alone. But if you've been putting off a mortgage or protection review, this month is a sensible time to get it done under today's rules.

Get in touch if you'd like to talk it through. 💬

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]

📆 If your fixed-rate mortgage deal is ending this autumn or winter, now's the time to start looking at your options — ideally 3-6 months before it ends.

Don't let it roll onto your lender's standard variable rate by default; it could cost you far more than it needs to.

We'll compare the market and find the best deal for your circumstances, completely free of charge. 🏠

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]

🩺 A serious diagnosis is hard enough without money worries on top.

Critical illness cover pays out a tax-free lump sum if you're diagnosed with one of a range of specified conditions — giving you space to focus on recovery, not bills.

It's cover that's often misunderstood. We're happy to explain it in plain English and see if it's right for you.

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]

💭 If illness or injury meant you couldn't work for a few months, how would your household manage financially?

Income protection is designed to replace part of your income if you're unable to work, and it's one of the most underused types of cover out there.

It's more affordable than most people assume. Let's talk you through it, no pressure at all.

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]

🎓 With students heading back to Cardiff's universities this month, it's a busy time for landlords getting properties let and tenancies underway.

If you're a buy-to-let landlord (or considering becoming one) it's worth checking your mortgage is still the right fit and that your numbers still stack up.

We work with landlords across Cardiff all year round. Get in touch to see how we can help! 🔑

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]

The Bank of England has just announced it is holding the base rate at 3.75% for the sixth time in a row — but there's more to today's decision than the headline suggests. 👇

Here's what you need to know:

📊 The vote was close — six members voted to hold, three voted to RAISE rates to 4% today. That's a growing minority pushing for increases, and it's a sign that the pressure isn't going away.

📈 Inflation rose to 3.1% in August — up from 2.9% in July — which is above the Bank's 2% target. This is one of the key reasons a rate rise remains firmly on the table at the next meeting on 5 November.

💰 A hold doesn't mean mortgage rates are falling. Fixed-rate deals are already averaging around 5.55%–5.64%, and with markets pricing in further rises over the next 12 months, lenders are unlikely to start cutting prices anytime soon.

⚠️ Still on your lender's SVR? The average SVR is currently 7.13% — potentially costing you hundreds of pounds more per month than a competitive fixed deal. Today's hold won't change that.

Whether you're an existing mortgage holder or thinking about buying, the next meeting on 5 November is the one to watch — and now is the time to get your position reviewed before then.

Get in touch to book a free consultation today. We're here to help.

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]

🔒 As the evenings start getting darker earlier, it's a good time to think about home security (and whether your home insurance still reflects how you actually live).

Added a home office, a new gadget, or a garden room since you last took out cover? It might be worth updating your policy so you're not caught short.

We're happy to run through it with you, just get in touch 👇

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]

🛠️ Thinking about a renovation before the colder months set in? A new kitchen, an extension, or finally converting that loft?

Raising extra borrowing on your mortgage can often be a cheaper way to fund it than a loan or credit card. We'll help you understand what's actually possible based on your home and circumstances.

Get in touch to talk through your plans.🏡

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]

🔑 September is traditionally one of the busiest months in the property market, as buyers who paused over summer get back on the search.

If you're a first-time buyer in Cardiff or the Valleys, now's a great time to get your mortgage in principle sorted, so you're ready to move fast when you find the one.

Message us to get started. No jargon, just straightforward help 🏡

☎️ 02921 682 867
💻 https://loom.ly/3Vy-23I
📩 [email protected]