Harmony Financial Services – Your UK Guide to Smart Money Moves

Welcome! Whether you’re saving for a house, planning retirement, or just want a better budget, we’ve got simple, actionable advice. Our team knows the UK market inside out, so you can avoid costly mistakes and make your money work harder.

Tailored Investment Advice

From ISA options to crypto basics, we break down each choice with real‑world examples. Want to know if a Stocks & Shares ISA beats a cash ISA? We compare tax benefits, risks and give you a step‑by‑step plan to pick the right one for your goals.

Complete Financial Planning

We cover everything – mortgage rates, debt consolidation, budgeting tricks and even equity release for retirees. Each article ends with a quick checklist so you can apply what you’ve learned today. No jargon, just clear steps you can use right now.

Start exploring, ask questions, and let us help you hit all the right notes with your finances.

Current 2025 Remortgage Rates in Australia: Fixed & Variable Overview

Current 2025 Remortgage Rates in Australia: Fixed & Variable Overview
Evelyn Waterstone Oct 2 2025

Discover the latest 2025 remortgage rates in Australia, compare fixed and variable offers, and learn how to choose the best deal for your home loan.

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Is an ISA a Good Investment? Benefits, Risks & How to Choose

Is an ISA a Good Investment? Benefits, Risks & How to Choose
Evelyn Waterstone Sep 25 2025

Find out if an ISA is a smart investment. Compare cash, stocks&shares, and lifetime ISAs, weigh tax benefits, risks, and get practical tips.

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20% Credit Card Rule: What It Is, Why It Matters, and How to Use It (With Examples)

20% Credit Card Rule: What It Is, Why It Matters, and How to Use It (With Examples)
Evelyn Waterstone Sep 18 2025

The 20% credit card rule keeps your balance low to protect your credit score and reduce interest. Learn what it means, how to apply it, and real-life examples.

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Best Place to Get Equity Release in the UK (2025): Brokers vs Lenders vs Banks

Best Place to Get Equity Release in the UK (2025): Brokers vs Lenders vs Banks
Evelyn Waterstone Sep 11 2025

Not sure where to get equity release in 2025? See when to use a broker vs direct lender, how to compare deals, fees, and safeguards, plus practical next steps.

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Simple Basic Budget Setup: Your Guide to Smart Money Management

Simple Basic Budget Setup: Your Guide to Smart Money Management
Evelyn Waterstone Aug 5 2025

Learn exactly what a good basic budget looks like, plus easy tips, proven structures, and real strategies regular people use to get finances under control.

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Debt Consolidation Loans From UK Banks: Options & What To Expect

Debt Consolidation Loans From UK Banks: Options & What To Expect
Evelyn Waterstone Aug 3 2025

Banks in the UK do offer debt consolidation loans, but approval and terms can vary widely. Find out who qualifies, how these loans work, and tips for getting the best deal.

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Does Credit Score Affect Home Insurance? The Truth Every Homeowner Should Know

Does Credit Score Affect Home Insurance? The Truth Every Homeowner Should Know
Evelyn Waterstone Aug 2 2025

Wondering if your credit score affects home insurance? Learn what really happens behind the scenes, how your rating could change your premium, and tips to protect your wallet.

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Savings Accounts With 7% Interest: Which UK Banks Offer The Best Rates?

Savings Accounts With 7% Interest: Which UK Banks Offer The Best Rates?
Evelyn Waterstone Jul 29 2025

Uncover which UK banks actually offer 7% interest on savings, the rules behind these eye-catching rates, and smart tips to make the most of your money.

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How Long Does $1 Million Last in Retirement? Realistic Projections, Stats & Strategies (2025 Guide)

How Long Does $1 Million Last in Retirement? Realistic Projections, Stats & Strategies (2025 Guide)
Evelyn Waterstone Jul 27 2025

Will $1 million last through retirement in 2025? Discover real-life examples, spending factors, and key strategies to stretch your nest egg in Australia.

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What Are the Real Costs of a $100,000 30-Year Mortgage at 7 Percent Interest?

What Are the Real Costs of a $100,000 30-Year Mortgage at 7 Percent Interest?
Evelyn Waterstone Jul 26 2025

Wondering what a $100,000 mortgage over 30 years at 7% really adds up to? Get the numbers, breakdowns, payment tips, and smart money hacks right here.

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How to Budget $4000 a Month Without Stress: Smart Tips for Financial Success

How to Budget $4000 a Month Without Stress: Smart Tips for Financial Success
Evelyn Waterstone Jul 22 2025

Learn how to budget $4000 a month with real-life tips, examples, and smart strategies. Stretch your cash, save, and enjoy life—all while staying stress-free.

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70/30 Investment Strategy Explained: Balance, Risks, and Real Returns

70/30 Investment Strategy Explained: Balance, Risks, and Real Returns
Evelyn Waterstone Jul 20 2025

Confused about the 70/30 investment strategy? Find out what it really means, how it works, and why so many investors use this mix for balancing growth and stability.

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