Mortgage Advice in Reigate: Property, Schools & Local Area Guide
Mortgage Advice in Reigate: Property, Schools & Local Area Guide
Whether you're buying your first home in Reigate, remortgaging, upsizing or simply researching the area — this guide covers what buyers and homeowners actually want to know.
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Click any question to expand the full detail and sources.
Is Reigate a good place to live?⌄
Yes — strong schools, fast rail to London and Gatwick, and the North Downs on the doorstep make it one of Surrey's most consistent choices.
Reigate's appeal rests on a combination that rarely appears together: fast rail to London via the neighbouring Redhill hub (London Bridge or Victoria in approximately 35–45 minutes) and Gatwick Airport in around 10 minutes, strong schools across Reigate and Redhill, and an elegant old town set below Reigate Hill within the North Downs Area of Outstanding Natural Beauty. The result is a high-value, leafy commuter market that people choose deliberately and tend to stay in. Turnover in established residential streets — particularly the affluent west side and the roads below Reigate Hill — is lower than many comparable Surrey towns, a reliable indicator of long-term resident satisfaction.
Sources: gwr.com — Reigate station | reports.ofsted.gov.uk — school inspections
Is Reigate expensive?⌄
Yes — priced well above the Surrey average, reflecting its London and Gatwick links, schools and leafy North Downs setting.
Flats and maisonettes typically start from around £250,000–£400,000, making them the most accessible entry point for first-time buyers. Terraced and smaller semi-detached homes generally range from £450,000–£650,000, while larger semi-detached and detached family homes typically sit between £650,000 and £1,200,000+. Premium roads on the affluent west side, around Reigate Heath and below Reigate Hill go considerably higher. Prices are supported by consistent demand — the school, rail, airport and AONB combination means competition for well-presented family homes remains strong across market conditions.
Sources: landregistry.data.gov.uk — Price Paid Data | gov.uk/council-tax-bands — VOA band checker
What salary do you need to buy in Reigate?⌄
Roughly £78,000 for a flat up to £200,000+ for a larger family home — based on 4.5x income multiples.
Most mortgage lenders apply affordability multiples of around 4–4.5x annual income, though some go higher for certain profiles. Using 4.5x as a guide: a flat at ~£350,000 may require a household income of approximately £78,000; a terraced or smaller semi at ~£550,000 requires roughly £122,000; a larger semi or detached at ~£850,000 requires around £189,000. These are illustrative only — actual affordability depends on deposit size, existing commitments, credit profile and lender criteria. A whole-of-market adviser can confirm exactly what's achievable for your circumstances.
Sources: thatsfamilyfinance.co.uk/mortgages | landregistry.data.gov.uk
Are schools good in Reigate?⌄
Yes — a strong state offer plus highly regarded independents and well-established further education colleges.
At secondary level, Reigate School (Ofsted: Good), The Warwick School in Redhill (Ofsted: Good) and Oakwood School in Horley (Ofsted: Good) are the main state options across the area. Reigate Priory Community Junior School is rated Outstanding. Reigate Grammar School and Dunottar School are highly regarded independents, and post-16 options include Reigate College and East Surrey College. The key practical point for buyers: catchments and admissions vary across Reigate, Redhill, Merstham, Horley and the villages — where you buy directly affects which school your child has priority for. Always verify admissions directly with each school and Surrey County Council before relying on proximity alone.
Sources: reports.ofsted.gov.uk | surreycc.gov.uk/schools-and-learning
Is Reigate good for commuters?⌄
Yes — Redhill reaches London Bridge or Victoria in ~35–45 minutes and Gatwick in ~10 minutes, with the M25 (J8) close by.
Reigate station is served by Great Western Railway (towards Reading and Redhill) and Southern (an hourly service to London Victoria via Redhill, East Croydon and Clapham Junction). The neighbouring town of Redhill is a major hub: Thameslink, Southern and Great Western Railway services reach London Bridge and London Victoria in approximately 35–45 minutes, Gatwick Airport in around 10 minutes, and Reading to the west. For drivers, the M25 (Junction 8) sits just north of Reigate Hill, with the M23, the A25 and the A23 giving further flexibility. Station parking is limited at Reigate, so many residents use Redhill for the fastest London services — check operators directly for current charges and capacity before relying on it as part of your daily routine.
Sources: gwr.com — Reigate station | nationalrail.co.uk — journey planner
What should buyers know before offering on a Reigate property?⌄
Check school catchments, flood risk by postcode (the River Mole), stamp duty cost and the two-tier council tax band before committing.
Catchment boundaries matter across Reigate, Redhill, Merstham and the southern villages — confirm directly with the school before relying on proximity. Flood risk should always be checked by individual postcode via the GOV.UK service, not by town name alone: the River Mole near Sidlow and Salfords to the south has a serious flood history, including the winter 2013/14 floods around Leatherhead and Sidlow. Use the government's SDLT calculator to understand your stamp duty liability before budgeting. Council tax in Reigate is a two-tier charge — Surrey County Council, Reigate & Banstead Borough Council and the Surrey Police precept, plus a town or parish precept in parished areas such as Horley and Salfords & Sidlow — so confirm the band with Reigate & Banstead Borough Council and the VOA.
Sources: check-long-term-flood-risk.service.gov.uk | SDLT calculator | reigate-banstead.gov.uk/counciltax
Is Reigate right for you?
Reigate is one of Surrey's most consistently sought-after commuter towns — exceptionally well-connected to London and Gatwick via the neighbouring Redhill hub (London Bridge or Victoria in approximately 35–45 minutes), with strong schools, an elegant old town below Reigate Hill and the North Downs Area of Outstanding Natural Beauty on the doorstep.
| Buyer Type | Rating | Why |
|---|---|---|
| First-Time Buyers | ★★★☆☆ | Prices are high for Surrey, but flats and smaller homes — often around Redhill — offer a route in. |
| London Commuters | ★★★★★ | Redhill reaches London Bridge or Victoria in ~35–45 mins — one of Surrey's strongest commuter locations. |
| Families | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÖ | Strong schools, parks and the North Downs make Reigate a consistent family favourite. |
| Upsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÖ | Excellent range of larger detached and period family homes, especially on the west side and below Reigate Hill. |
| Downsizers | ‚òÖ‚òÖ‚òÖ‚òÖ‚òÜ | Strong amenities, the old town high street and good transport make it a practical long-term choice. |
Property prices & council tax in Reigate
Understanding the cost of living in Reigate goes beyond the purchase price.
| Property Type | Approximate Price Range | Notes |
|---|---|---|
| Flats & Maisonettes | £250k–£400k | Entry point for first-time buyers; most common around the town centre and Redhill (RH1). |
| Terraced & Smaller Semis | £450k–£650k | A common family starter home across Reigate, Redhill and Woodhatch. |
| Larger Semis & Detached | £650k–£1.2m | Family homes across RH2 — Reigate Heath, the west side and roads below Reigate Hill. |
| Larger Detached & Executive | £1.2m+ | Premium roads on the affluent west side, Reigate Heath, Chipstead and Walton-on-the-Hill. |
What income might you need?
Based on standard mortgage affordability multiples of 4.5x household income. Illustrative only — individual affordability depends on deposit, commitments and lender criteria.
What makes Reigate so popular?
Three things consistently come up when buyers explain why they chose Reigate.
London & Gatwick on the Doorstep
Via the Redhill hub, London Bridge or Victoria are around 35–45 minutes away and Gatwick Airport is roughly 10 minutes. Few Surrey towns combine fast capital access with such close proximity to a major airport.
Strong Schools
A solid state offer across Reigate and Redhill plus highly regarded independents in Reigate Grammar School and Dunottar School. Education provision is consistently cited as a primary reason families choose the area.
The North Downs Setting
An elegant old town below Reigate Hill, with the North Downs AONB, Reigate Hill viewpoint, Reigate Fort and Priory Park all close at hand — a genuine quality-of-life advantage over flatter commuter towns.
What often surprises buyers is how self-contained Reigate is. Many residents rarely feel the need to travel elsewhere for everyday needs — the old town, Priory Park and the wider Redhill amenities cover most of daily life, something that matters a lot over the long term.
Schools in Reigate
Schools are one of the biggest reasons families research Reigate. The area has a strong spread of state and independent schools across Reigate, Redhill, Merstham and the southern villages of Horley and Salfords, so education often sits right at the centre of the property search.
For homebuyers, the key question is not just whether a school has a strong reputation. It is whether the property, admissions rules, daily journey, school-run traffic, wraparound care and long-term education route actually work for your family. That is why school research should sit alongside your search around the old town, Reigate Heath, Woodhatch, Meadvale, Redhill, Merstham and Earlswood.
Secondary schools
| School | Type | Ofsted | Buyer-focused summary |
|---|---|---|---|
| Reigate School | Mixed secondary academy, ages 11–16 | Good | A popular mixed secondary on Pendleton Road, Woodhatch, frequently researched by families looking south of the town centre and around Woodhatch and Meadvale. Confirm admissions and catchment directly each year. |
| The Warwick School | Mixed secondary academy, ages 11–18 | Good | Located on Noke Drive in Redhill, with sixth-form provision. Relevant for buyers across Redhill, Earlswood and the eastern side of the borough. Review the latest published report before relying on a headline grade. |
| Oakwood School | Mixed secondary academy, ages 11–16 | Good | On Balcombe Road in Horley to the south, near Gatwick. Important for families researching Horley, Salfords and the southern villages. Check admissions and the daily journey carefully. |
| Reigate Grammar School | Independent co-educational, ages 11–18 | Independent | A long-established and highly regarded fee-paying school in the town centre. As an independent, it is inspected under the independent-schools framework rather than carrying a mainstream Ofsted grade — review the school's own inspection record. |
| Dunottar School | Independent co-educational, ages 11–18 | Independent | An independent day school on High Trees Road, near Reigate Heath. A common alternative for families considering the private sector. Check fees, admissions and the latest independent inspection directly. |
Primary, junior & further education
| School / College | Type | Ofsted | Buyer-focused summary |
|---|---|---|---|
| Reigate Priory Community Junior School | Junior school, ages 7–11 | Outstanding | Set within the historic Priory Park, this is one of the area's standout junior schools and is often a key driver of demand for homes near the old town and Priory Park. |
| de Stafford School | Mixed secondary academy, ages 11–16 | View Ofsted | In neighbouring Caterham, sometimes considered by families on the north-eastern edge of the borough and towards Chaldon. Read the live Ofsted page before relying on an older summary. |
| Reigate College | Sixth-form college, ages 16–19 | Outstanding | A large, well-regarded sixth-form college on Castlefield Road in the town centre — a major reason families with older children look at central Reigate. |
| East Surrey College | Further education college | View Ofsted | Based at Gatton Point in Redhill, offering vocational and technical courses. Relevant for households planning a non-A-level post-16 route. Check the latest published report directly. |
What the schools mean for homebuyers
Reigate School
Reigate School is a popular mixed secondary academy on Pendleton Road in Woodhatch, to the south of the town centre. It is often part of the conversation for families looking around Woodhatch, Meadvale and the southern side of Reigate.
For buyers, the practical points are admissions, distance and the daily journey from the property. Popularity, distance criteria and policy details can all affect access, so admissions arrangements should be checked directly each year.
The Warwick School & Oakwood School
The Warwick School on Noke Drive in Redhill serves the eastern side of the borough and offers a sixth form, while Oakwood School on Balcombe Road in Horley is the natural option for families in the south near Gatwick.
Because catchments and admissions vary across Redhill, Earlswood, Horley and Salfords, the safest approach is to check each school's live Ofsted page and admissions policy before relying on any older headline summary. From a buyer's perspective, the practical points are location, admissions, the journey from the property and whether the school route fits your longer-term family plans.
Independents & further education
Reigate Grammar School and Dunottar School give the area a strong independent offer, while Reigate College and East Surrey College cover the post-16 route. This breadth is one of the reasons the area remains popular with families.
Do not rely on a school name alone. Check admissions, fees where relevant, distance, wraparound care, sibling rules, parking, school-run traffic and the likely route from primary through to sixth form before committing to a property.
Popular parts of Reigate
Reigate covers a wider area than many people realise, and it is closely linked with the commercial town of Redhill next door. Buyers often start with "Reigate" as one search, but the feel changes significantly depending on whether you are in the old town below Reigate Hill, on the affluent west side, in Redhill, Merstham, Earlswood, Woodhatch, or out towards Banstead, Chipstead and the southern villages.
| Area | Best For | Typical Buyer |
|---|---|---|
| Reigate Old Town / RH2 | The high street, Priory Park and period character below Reigate Hill | Professionals, families and downsizers |
| Reigate Heath & the West Side | Larger homes, green outlook and prestige | Affluent families and upsizers |
| Redhill / RH1 | The fastest London trains, value and amenities | Commuters, first-time buyers and investors |
| Merstham & Earlswood | More accessible pricing and rail access | First-time buyers and value-conscious families |
| Woodhatch & Meadvale | Family homes and school access south of town | Families and local movers |
| Banstead, Chipstead & Walton-on-the-Hill | Affluent village living on the Downs | Families and buyers wanting village character |
This area suits buyers who want walkable convenience and genuine character rather than relying on the car for every journey. It can be especially attractive for professionals, downsizers and families drawn to Reigate Priory Junior School. The trade-off is that period homes close to the centre command a premium, and parking, listed-building considerations or smaller plots may matter depending on the road.
Appeals to: Professionals, families and downsizers.
Buyers here are often upsizers or established families looking for space, privacy and a premium address while staying within easy reach of the old town, schools and the station. The area can work well for those who want a balance of character, larger homes and quick access to the M25 (Junction 8) and the A25.
Appeals to: Affluent families, upsizers and long-term homeowners.
The appeal is largely about value and connectivity: Redhill offers the fastest London services and Gatwick access, often at lower prices than central Reigate. Buyers should still compare individual roads carefully, as Redhill spans a broad range from town-centre apartments to established residential streets.
Appeals to: Commuters, first-time buyers and investors.
For buyers, these areas can make sense if you want connectivity and a more affordable entry point while remaining close to the wider town. As across the borough, the exact road matters: some homes suit first-time buyers and local movers, while others appeal to families wanting more space near Earlswood's lakes and common.
Appeals to: First-time buyers, value-conscious families and local movers.
Families may be drawn by local schools, community feel and access towards the A217 and the southern villages. The areas can also appeal to local movers who want Reigate's overall convenience but prefer a slightly less central, more residential day-to-day environment.
Appeals to: Families, upsizers and local movers.
These areas appeal to buyers who want village character, larger plots and green surroundings while staying within reach of Reigate, Epsom and the M25. It is worth checking travel patterns carefully, especially for rail commuters, because the lifestyle benefit of a quieter village setting needs to work alongside the daily journey.
Appeals to: Families, upsizers and buyers wanting village character.
These are parished areas — Horley has a town council and Salfords & Sidlow has a parish council — so the council tax bill includes a small additional precept. Buyers should also check flood risk carefully here, as the River Mole and its tributaries run through the area to the south.
Appeals to: Airport workers, first-time buyers and value-conscious families.
For buyers, Whitebushes can be a practical option combining family housing with proximity to healthcare, schools and the A23. As ever, compare individual roads on price, parking and the exact journey to the station and workplace before committing.
Appeals to: Families, healthcare workers and local movers.
Check estate charges, parking arrangements, broadband, management responsibilities and how the development connects to schools, transport and the town centre. For current planning applications and schemes, use Reigate & Banstead Borough Council's planning portal rather than relying on old sales listings.
Appeals to: Buyers wanting modern homes and lower initial maintenance.
Things people don't tell you about Reigate
Most property listings tell you about the bedrooms and the square footage. These are the things that come up in real conversations with people who know the area.
Healthcare & local services
For families and those planning long-term, knowing the specific local services nearby matters as much as the property itself.
GP surgeries in and around Reigate
Several NHS GP practices serve Reigate and Redhill. Registration availability changes — always contact the surgery directly before completing a purchase, and check the NHS website for current catchment and availability.
| Practice | Area | Notes |
|---|---|---|
| Reigate & Redhill area practices | Reigate town & Redhill | Multiple NHS practices serve the two linked towns. Confirm registration and catchment via nhs.uk. |
| Woodhatch & Meadvale area | South of the town centre | Practices serving the southern residential areas. Verify availability directly before assuming registration. |
| Merstham & Earlswood area | North & south of Redhill | Local practices serve these residential areas. Contact directly to confirm current registration status. |
| Horley & Salfords area | Southern villages near Gatwick | Practices serve the southern end of the borough. Check current availability via the NHS website. |
Dental practices in and around Reigate
Reigate and Redhill have both NHS and private dental provision. NHS availability changes — always contact practices directly and check nhs.uk for current status.
| Provision | Area | NHS / Private |
|---|---|---|
| Town-centre dental practices | Reigate old town & high street | Mix of NHS & private — contact directly to confirm current NHS availability |
| Redhill dental practices | Redhill town centre | Mix of NHS & private — verify registration availability directly |
| Village & southern practices | Horley, Salfords & surrounding villages | Check current NHS registration status directly before assuming availability |
Nearest hospitals
Map, Police & Fire Services in Reigate
A useful local guide should show the practical services buyers actually check before choosing an area — the station, neighbourhood policing, fire cover, emergency healthcare and local crime context for Reigate.
Flood risk in Reigate
Flood risk is easy to overlook when a property looks right online, but it can affect insurance premiums, mortgage lender underwriting and long-term peace of mind. In the Reigate area, the picture varies significantly depending on exactly where you're buying.
Famous connections & local history
Reigate has a history that goes back much further than its commuter town reputation suggests.
Sports, leisure & community
For families and active buyers, Reigate's leisure offer is a real part of the quality-of-life calculation. The parks, the Downs, the clubs and the attractions here are the ones residents actually use week after week.
Reigate has a mix of established green spaces, sports clubs, family attractions and community groups that help explain why many residents stay long-term. For buyers moving from London or busier parts of Surrey, this lifestyle element — and the North Downs on the doorstep — can be just as important as the train line.
For buyers, Priory Park gives central Reigate a lifestyle benefit that supports its appeal to families, dog walkers, runners and downsizers alike.
This is a key differentiator for Reigate. Many commuter towns have parks; few have an Area of Outstanding Natural Beauty as part of everyday local life, with the Reigate Hill viewpoint a short distance from the town.
For families and active buyers, spaces like the Heath help make Reigate feel rooted and support the long-term, stay-put pattern seen among many local residents.
For relocation buyers, accessible green space like Earlswood helps answer the question: "What will we actually do here at weekends?"
If weekend sport is part of family life, it is worth checking journey times to clubs as carefully as you check the school run.
Always verify current opening times, membership terms and availability directly with each facility before assuming they fit your routine.
For commuters away in London during the week, having a proper local high street at weekends can be a major part of the appeal.
For families moving to the area, these groups create weekend routines, friendships and community roots that sit alongside — not instead of — school. Find your nearest groups via the relevant Scout and Girlguiding county websites.
These nearby attractions are part of what makes Reigate feel like a place to live, not just commute from.
Buying a home in Reigate
Reigate consistently attracts buyers who have made a deliberate decision about where they want to live — drawn by the schools, the commute, the North Downs setting or a combination of all three.
For some buyers the calculation is primarily practical — commute time, school catchment, property size. For others it's about lifestyle — wanting an elegant town feel with good amenities, the AONB on the doorstep and a community that has real roots. Reigate delivers on both. If you are still comparing mortgage types, our cashback mortgages guide explains one option buyers sometimes ask about.
Who tends to move to Reigate?
Transport & commuting
Reigate's rail connections — and especially the major hub at neighbouring Redhill — are among its defining strengths for buyers with London and airport connections.
| Route | Approx. Time | Notes |
|---|---|---|
| Redhill → London Bridge / Victoria | ~35–45 min | Thameslink and Southern fast services from the Redhill hub |
| Reigate → London Victoria | ~50–60 min | Hourly Southern service via Redhill, East Croydon and Clapham Junction |
| Redhill → Gatwick Airport | ~10 min | Frequent services — a key draw for the area |
| Reigate ‚Üí Reading | ~70 min | Great Western Railway along the North Downs Line via Guildford |
Reigate station is served by Great Western Railway (towards Reading and Redhill) and Southern (to London Victoria). For the fastest London services and Gatwick access, most residents use the larger hub at Redhill. Road links via the M25 (Junction 8) just north of Reigate Hill, the M23, the A25 and the A23 also make the area well-connected for those who travel by car across Surrey, into London or towards the south coast.
Things to think about before buying
The property itself is only one part of the decision.
Already live in Reigate?
Not everyone searching for mortgage advice here is planning to move. Many visitors are existing homeowners reviewing their arrangements.
Looking beyond the mortgage
Buying a home is one of the largest financial commitments most people will ever make.
Many households spend weeks comparing properties and mortgage rates, yet very little time considering what would happen if circumstances changed unexpectedly — illness, redundancy or worse. Life insurance, critical illness cover and income protection exist precisely for this reason. Our mortgage protection insurance guide explains the main options in plain English.
Living in Reigate
Beyond the commute and the schools — what is it actually like to live here day to day?
Safety & Crime
Reigate is policed by Surrey Police, with a Reigate & Banstead neighbourhood policing team covering the borough. The town is generally regarded as a lower-crime, affluent residential area relative to its size. The local team publishes priorities and crime data online. For current crime data by specific postcode, use police.uk rather than relying on general reputation alone.
Community & Demographics
Reigate has a high proportion of owner-occupiers, established families and long-term residents. The community skews towards professionals, families and those who have made a deliberate lifestyle choice to live here — which contributes to its settled, stable character.
Green Spaces
Priory Park, Reigate Hill and the North Downs AONB, Reigate Heath and its windmill, and Earlswood Common and lakes. Reigate is unusually well-served with accessible green space — and genuine countryside — for a commuter town this close to the M25.
Healthcare
East Surrey Hospital on Canada Avenue, Redhill (RH1 5RH), part of Surrey and Sussex Healthcare NHS Trust, is the main A&E for the area, supported by GP and dental practices across Reigate, Redhill and the villages. Always verify current NHS availability directly.
New Build Homes
Reigate, Redhill and especially Horley have seen new residential development in recent years alongside established housing stock. For current planning applications and new build schemes, visit Reigate & Banstead Borough Council.
Useful Council Links
Reigate & Banstead Borough Council — council tax, planning, local services.
Surrey Schools Admissions — catchments and applications.
police.uk — local crime data by postcode.
Nearby areas worth considering
Many buyers researching Reigate also compare it with neighbouring Surrey towns before deciding.
Guildford
Surrey's county town — strong schools, a university, excellent shopping and fast rail to Waterloo.
Guide coming soon [LINK WHEN LIVE]Woking
A major commuter hub with some of the fastest trains into London Waterloo in Surrey.
Guide coming soon [LINK WHEN LIVE]Epsom
Famous for the Derby and the Downs, with a strong town centre and good London links.
Guide coming soon [LINK WHEN LIVE]Camberley
A well-connected town in the west of Surrey near the M3, popular with families and commuters.
Guide coming soon [LINK WHEN LIVE]Banstead & the Villages
Affluent village living on the North Downs, within the same borough as Reigate.
Guide coming soon [LINK WHEN LIVE]Frequently asked questions
Is Reigate a good place to live?
Is Reigate safe?
Does Reigate have good schools?
How long does it take to get to London from Reigate?
What salary do you need to buy in Reigate?
What is the flood risk in Reigate?
How much is stamp duty on a Reigate property?
What is Reigate known for?
What green spaces are near Reigate?
What is the nearest hospital to Reigate?
How much is council tax in Reigate?
Can existing homeowners benefit from reviewing their mortgage?
Useful resources
Need help?
Whether you're researching Reigate, planning a move, reviewing your finances or simply exploring your options — we're always happy to point people in the right direction.
By submitting your details you agree that your contact information will be passed to a carefully selected, FCA-regulated whole-of-market adviser.
That's Family Finance is an FCA-regulated protection adviser (life insurance, critical illness cover and income protection). We do not arrange mortgages ourselves — we introduce you to carefully selected, FCA-regulated mortgage advisers.
Journey times are approximate — always verify at nationalrail.co.uk and gwr.com. Ofsted ratings based on most recent publicly available inspections — verify at ofsted.gov.uk. Catchment areas and admissions criteria should be confirmed directly with each school and Surrey County Council. GP and dental registration availability changes — always verify directly with the practice. Healthcare information based on publicly available NHS data — always verify directly. Crime information is general in nature — always check current data at police.uk. Flood risk context is general — always check the exact property postcode at check-long-term-flood-risk.service.gov.uk. Council tax figures are for 2026/27 Band D and may change — verify with Reigate & Banstead Borough Council and the VOA. Salary and affordability figures are illustrative only and do not constitute financial advice. Stamp duty figures should be verified using the official GOV.UK SDLT calculator.
The information on this page is for educational purposes only and does not constitute financial advice. That's Family Finance is an independent, FCA-regulated firm (No. 1038034).