• International Self-Care Day 2025

    International Self-Care Day 2025

    24 July 2025

    International Self-Care Day (ISD) is on 24 July each year to highlight the importance of self-care in improving overall health and wellbeing. The date (24/7) symbolises that self-care should be practiced 24 hours a day, 7 days a week. It was launched in 2011, by the International Self-Care Foundation.

    The day encourages individuals to prioritise their health and wellbeing through conscious, daily self-care practices to manage health, prevent illness and enhance overall quality of life. Consistent self-care practices have been clinically proven to help manage stress, improve mental health, and prevent chronic diseases. As health systems worldwide face a range of challenges,  integrating self-care into our daily routine can lead to healthier populations.

    The day is a powerful reminder that self-care is not a luxury – it’s a fundamental act of self-love and self-preservation. It is not selfish – it’s vital.

    Self-care is not a trend; it’s a proactive and personal approach to looking after our overall wellbeing. Whether it’s getting enough rest, making healthy food choices or seeking support, every decision counts.

    What is self-care?

    World Health Organisation’s definition of self-care is:

    “The ability of individuals, families and communities to promote health, prevent disease, maintain health, and cope with illness and disability with or without the support of a health-care provider”.

    Self-care involves people taking charge of their own physical and mental health using the knowledge and resources available to them. It empowers individuals to make informed choices in collaboration with healthcare professionals when needed. It includes:

    • Making healthy lifestyle choices – being physically active and eating healthy
    • Avoiding unhealthy lifestyle habits – avoiding smoking and excessive alcohol consumption
    • Using prescription and non-prescription medications responsibly
    • Recognising symptoms – assessing and addressing symptoms in partnership with healthcare professionals where necessary.
    • Monitoring health – checking for signs of deterioration or improvement.
    • Managing conditions – managing symptoms in partnership with healthcare professionals.

    The key focus areas are:

    • Mental health and emotional wellbeing – reduce stigma and promote open conversations. For more details read our guide here.
    • Physical activity and healthy eating – encourage regular activities and balance nutrition as daily priorities. For more details read our guide here.
    • Sleep and rest – understand the importance of restorative sleep. For more details read our guide here.
    • Digital wellness – minimise screen fatigue and promote healthy technology use.
    • Preventive health – ensure you have regular dental, GP and optical appointments.

    How to get involved

    Mental Wellness

    • Spend time in nature
    • Practice yoga or stretching techniques
    • Try breathing techniques
    • Practice mindfulness, meditation or self-reflection
    • Journal your feelings, intentions or gratitudes
    • Write down three positives from the day
    • Use affirmations or positive self-talk
    • Identify your stress triggers and develop healthy coping strategies
    • Access mental health resources or talk to a counsellor
    • Read, listen to music, or engage in a relaxing hobby

    Physical Health

    • Take the stairs, walk, or cycle when possible
    • Get at least 30 mins of physical activity
    • Eat colourful nutritious meals (aim for at least 4 colours on your plate)
    • Drink at least 2 litres of water daily
    • Prioritise 7–9 hours of quality sleep
    • Use wearables or apps to track your wellness

    Digital Self-Care

    • Unfollow social media accounts that cause stress or self-comparison
    • Use apps that’s support sleep, mindfulness, and screen-time management
    • Take regular digital detoxes (start with 30 minutes a day and build up to digital-free days)
    • Set tech-free hours especially before bed

    Self-Care Resources

  • Samaritans Awareness Day 2025

    Samaritans Awareness Day 2025

    24 July 2025

    Every year in July, Samaritans branches in the UK and Republic of Ireland hold local events to raise awareness of Samaritans.  They are here to listen to anyone who’s struggling to cope, at any time of the day or night.

    Samaritans are encouraging people to become better listeners.  Samaritans Awareness Day on 24 July is a great time to start and pledge to become a better listener. Click here for more details.

    Taking care of your mental health is as important as taking care of your physical health

    Mental health problems affect around one in four people in any given year*. They range from common problems, such as depression and anxiety, to rarer problems such as schizophrenia and bipolar disorder.

    It is important that we all as individuals do what we can to look after ourselves and each other. You may also have concerns about how others are coping.

    Starting a conversation with someone around their mental health can feel daunting. You may be worried that you will say the wrong thing but remember saying nothing is far worse.

    The more conversations we have about mental health the more barriers we can break down and the closer we’ll come to ending mental health stigma and discrimination.

    Here are some tips on helping others:

    • Ask others how they are feeling.
    • Ask someone twice how they are feeling, this will give them the opportunity to be honest and to realise that you genuinely want to know.
    • Listen and don’t judge, it’s great that people are happy to talk to you about how they are feeling, so ensure you really listen to them.
    • Ask how long they have felt this way. Ask if there is anything you can do to help.
    • Ask what support they need. Provide them with details of professional organisations, who may be able to help.
    • Treat them in the same way, don’t change the way you act towards someone once you are aware of their poor mental health.
    • Little gestures can have a big impact, this may be just meeting for a cuppa or going for a walk together.

    Becoming a better listener can help you support loved ones who may be struggling to cope. You could help your loved ones talk about how they’re feeling by improving the way you listen. It can also help improve your relationships with family, friends, and colleagues. Here are some tips on becoming a better listener.

    • Listen without being distracted – choose a suitable setting for the conversation and ensure you have plenty of time. Reduce distractions, by putting your phone away and focusing completely on the other person. If you’re talking to someone on the phone, try doing it in a quiet place.
    • Listen without interrupting – try and remember that pauses are fine, you don’t need to fill any silences. Be empathetic and take them seriously.
    • Body language – keep your body language open and non-confrontational and maintain eye contact.
    • Check in on loved ones – if you’re concerned about a family member or friend, try to check in with them once or twice a week. Sometimes it can take a few tries to get someone to open up about how they’re feeling, so don’t give up.
    • Listen and communicate non-judgmentally – when we listen to another person it can remind us of elements of our own experiences. We then form opinions and make judgements on that basis. The more aware we become of this, the easier it is to pay attention to what the person is trying to say, instead of what we think they are saying. Communicating without judgment is essential to create a supportive environment. Summarising back what they are saying shows that you’re listening.
    • Don’t give advice – instead share sources of support, where necessary signpost to their GP and discuss self-care.

    Like adults, the emotional wellbeing of children and young people is just as important as their physical health. Good mental health will allow them to develop the resilience to cope with life’s ups and downs and to grow into well-rounded, healthy adults.

    For more details on supporting your children, read our Children’s mental health guide here.

    Research has shown that emergency services workers are twice as likely as the public to identify problems at work as the main cause of their mental health problems, but they are also significantly less likely to seek help. So, it’s even more important to look after your own mental health when working on the frontline.

    Here are some tips:

    • Think about your purpose: Be clear about why you are doing this job.
    • Be clear on expectations: Make sure you know what is expected of you and whether it is realistic.
    • Keep your boundaries: Establish clear boundaries between work and personal life, don’t take work home with you.
    • Talk to colleagues: Make time to talk to your colleagues about your experiences and share fears and concerns.
    • Value your own family and relationships: While work is important, your family and relationships need to be valued.
    • Exercise: Regular exercise can boost your self-esteem, can help you concentrate, relax, and increase your overall wellbeing.
    • Get plenty of sleep: Sleep helps regulate the chemicals in our brain that transmit information. These chemicals are important in managing our moods and emotions and an imbalance in those chemicals can result in us becoming depressed or anxious. Read our sleep guide here.
    • Eat well: A balanced diet that is good for your physical wellbeing is also good for your mental wellbeing. Your brain needs a mix of nutrients to stay healthy and function well.  Read our healthy eating guide here.
    • Avoid alcohol: The numbing effects of drinking are only temporary. It’s advised that if you do drink, that you stay within the governing bodies recommended unit guidelines.
    • Keep in touch: It’s good for you to catch up with friends and family face to face or over the phone.
    • Take a break: A change of scenery or pace is good for you.
    • Do something you’re good at: Enjoying yourself can help beat stress
    • Care for others: Supporting others uplifts you as well as them.
    • Ask for help: If at times, life gets too much for you, it’s important that you speak to someone, this may be a family member or trusted friend, your GP, or a professional organisation, see the list at the end of this guide for details.

    Mental health conversations have the power to make a big difference, but sometimes these conversations can bring up some difficult things that people may not have spoken about before.  This might mean that they need some support.

    If you feel a loved one, colleague or yourself need additional support, contact a GP, a counselling professional or one of the organisations listed here:

    It’s important to start talking about money worries before your situation gets worse. Talking about money will give you the confidence to get help and find out who can best advise you on any problems. It can give you a great sense of relief to share your problems, so you’re not facing them alone. It’s important to seek professional advice as soon as possible and not wait until it’s more difficult to find a solution.

    Worrying about money can negatively affect your mental health and for those people experiencing mental health problems it makes it harder to manage their finances.

    Problem debt can also be linked to suicide. For more information read our suicide awareness guide here.

    We’ve teamed up with PayPlan**, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

    They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt. Get free and confidential help to combat your debt, call PayPlan** on 0800 197 8433.

    * Time to Change. Attitudes to Mental Illness 2014 Research Report

    **PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263.

  • Storm-proofing your Home for Summer Weather Surprises

    Storm-proofing your Home for Summer Weather Surprises

    Summer in the UK isn’t all sunshine and barbecues. Unexpected storms, heavy rain, and high winds can strike with little warning.

    Preparing your home for these seasonal surprises could be essential to:

    • protecting your property;
    • reducing damage; and
    • ensuring peace of mind.

    At Police Mutual, we’ve pulled a guide together on how to storm-proof your home this summer, with practical tips and smart upgrades that can make all the difference.

    Inspect and maintain your roof

    Your roof is your first line of defence against the elements. Check for loose or missing tiles, signs of wear, and blocked gutters. Regular maintenance can prevent leaks and water damage during sudden downpours.

    Secure windows and doors

    High winds can turn unsecured windows and doors into weak points. Install storm shutters or use impact-resistant glass where possible. Reinforce door frames and check seals to prevent water ingress.

    Clear gutters and drains

    Blocked gutters and drains can lead to water pooling around your home’s foundation, increasing the risk of flooding. Clean them regularly and consider installing gutter guards to keep debris out.

    Trim trees and secure outdoor items

    Overhanging branches and unsecured garden furniture can become dangerous projectiles in bad weather. Trim trees back from your home and store or anchor outdoor items when bad weather is forecast.

    Install a backup power supply

    Power outages are possible during summer storms. A backup generator or uninterruptible power supply (UPS) can keep essential appliances running and your home safe.

    Review your home insurance

    Even with the best preparation, storms can cause unexpected damage. That’s why it’s important to have comprehensive home insurance. It’s worth checking your policy to ensure it reflects your current needs and any recent home improvements.

    Reach out to Police Mutual for your Home Insurance needs

    Protecting your home from severe weather doesn’t have to be overwhelming. With a few proactive steps, you can help protect your property, reduce repair costs, and enjoy a safer, more secure summer, no matter what the weather brings.

    Need extra peace of mind? Make sure your home insurance is up to date and tailored to your lifestyle. A little preparation now can save a lot of stress later.

    If you’re looking to switch Home Insurance providers or needing to take out a policy for the first time, give us a call or apply online to get a quote in minutes.

  • Top tips for cheaper motoring

    Top tips for cheaper motoring

    Top tips for cheaper motoring

    According to NimbleFins,[1] in 2025, the average cost of running a car in the UK is over £3,350, per year.  Find out how you could potentially reduce how much your car costs you.

    Reduce servicing costs

    Although garage servicing costs can be high, you may be able to save money on servicing by shopping around. But this doesn’t mean avoiding getting your car serviced. Minor repairs left to get worse may become very expensive to repair. Also, stick to the servicing intervals recommended by the car manufacturer and always keep a full service history to help maintain the value of your car.

    Take care of your tyres

    You can prolong your tyres’ life by taking proper care of them:

    • Ensure that they are correctly inflated as over or under-inflated tyres aren’t only dangerous, they will wear out more quickly and will increase your fuel consumption.
    • Check the tread for any foreign matter such as stones that might have lodged there.
    • Consider having your wheels aligned; badly aligned wheels can double tyre wear rate.

    While it’ll save you money by making your tyres last as long as possible, you must never drive on damaged tyres. Tyres must not have less than the legal minimum tread depth of 1.6 mm across the central three quarters of the width of the tyre, with many experts recommending a minimum of 3mm.

    Clear out your car

    Many people use their car boots as a dumping ground for all manner of items. The heavier your load, the more fuel you will use – which will make a big difference over time.

    Think about your driving style

    The way we drive can make a huge difference to fuel consumption. Fuel-Economy.co.uk [2] are one of many websites that provide a fuel calculator, free of charge. You may be able to calculate yours here, but please note that any information is only provided as a guide.

    Every car has an optimal fuel efficiency typically around 30 mph to 50 mph, which is dependent on vehicle type. Increasing your cruising speed from 55 mph to 75 mph can raise fuel consumption as much as 20%!

    Other ways in which you can improve your fuel efficiency are:

    • Drive smoothly, accelerate and decelerate gently.
    • Avoid unnecessary braking by keeping a reasonable distance from the car in front and reading the road.
    • Avoid unnecessary stopping and starting in queues – try to keep your car rolling but avoid slipping the clutch.
    • Change gear sooner but avoid labouring the engine.
    • Reduce the amount you use your air conditioning as it can increase your fuel consumption. However, be sure to stick to the manufacturer’s recommendations about running it periodically.
    • Electrical loads increase fuel consumption, so turn off your heated rear windscreen, defoggers and headlights. Of course, only if safe to do so.
    • If your car is modern and has start-stop technology, make sure it’s activated. This will help reduce fuel consumption when you’re sat in a queue.

    Keep your car aerodynamic

    Car manufacturers make big efforts to improve the aerodynamics of their design to reduce drag and improve fuel economy. But if you leave roof bars and roof boxes on when you’re not using them, you won’t be helping your fuel economy.

    Reduce CO2 to keep car tax down

    If you’re looking to buy a new car, opt for one with low CO2 emissions and you’ll pay a lower first year rate in Vehicle Excise Duty. You’ll find CO2 emissions information on the car’s V5C registration document.

    Cars such as electric vehicles which emit ZERO CO2 used to be fully exempt from vehicle tax, in year 1 and subsequent years, but this changed from 1 April 2025. Vehicle Excise Duty is now payable on these types of vehicles. You can find more information at [3] GOV.UK Vehicle tax rates

    For cars, the first year’s charge can range from £10 to £5,490 dependent on the level of emissions. The second time the vehicle is taxed, and subsequent years, the standard rate is currently £195.

    Vehicles with a list price of more than £40,000

    You have to pay an extra £425 a year if you have a car with a list price of more than £40,000.

    You do not have to pay this if both of the following apply:

    • you have a zero emission vehicle
    • the vehicle was registered before 1 April 2025

    The list price is the published price of the vehicle before it’s registered for the first time. It’s the price before any discounts are applied.

    To calculate your vehicle tax rate, use the Vehicle Certification Agency’s calculator.

    Winter-proof your car

    It might be a little early to be thinking about autumn and winter, but these are the worst times of year for car breakdowns and insurance claims. Ensuring that that your car is ready to cope with the winter months, could help avoid inconvenient and potentially costly events later on. Below are just a couple of suggestions:

    • Lights – Make sure that lights are clean and working as a dirty head light can severely reduce your ability to see the road in front. 
    • Screenwash – It is always dangerous to drive with a dirty windscreen, but even more so with the low winter sun when there is a high risk of being dazzled in the mornings and late afternoons. Keep your windscreen clean at all times and ensure that your screenwash is topped up regularly.
    • De-icer – De-ice before you set off. Make sure that you remove ice from your windows and mirrors before you set off, so allow a little extra time for doing so. Keep de-icer and an ice scraper handy.
    • Battery – Car batteries are heavily used in the winter months, so ensure that yours is in good condition. If you haven’t changed it recently, get it checked out and replace it before it lets you down.
    • Winter tyres – Not compulsory in the UK, but they are in several other European countries, so think about this if you are travelling abroad. Winter tyres are made using a different compound which gives a better grip in the cold and uses a different tread pattern which is safer when driving on snow. They are becoming increasingly popular in the UK, and may well be worth considering.

    Now what about Car Insurance?

    If you don’t have car insurance with us, why not get a quote?

    Unlike many insurance policies, you can spread the annual cost into monthly payments at no extra cost, letting you budget over the long term. There is also no need to wait for your renewal – switch today and you’ll receive cancellation fees up to the value of £125 that might be charged by your existing insurer.

    For more information about our car insurance and how you would benefit, click here or call 0151 242 7640

    Police Mutual Car Insurance is provided by ERS.

    [1] NimbleFins – Average Cost to Run a Car UK 2025

    [2] Fuel-Economy.co.uk Fuel Calculators

    [3] GOV.UK Vehicle tax rates

  • Getting Your Home Summer Ready: A Fresh Start for the Sunny Season

    Getting Your Home Summer Ready: A Fresh Start for the Sunny Season

    As summer approaches, it’s the perfect time to give your home a seasonal refresh. From brightening up interiors to preparing your garden for long evenings outdoors, a few simple steps can help you make the most of the warmer months. And while you’re sprucing things up, it’s also a smart moment to ensure your home is protected with the right insurance, like Police Mutual Home Insurance, designed with the needs of the police family in mind.

    1. Let the sunshine in

    Swap out heavy curtains for lighter fabrics and give your windows a thorough clean. Natural light not only lifts your mood but also makes your home feel more spacious and welcoming. It’s a small change that can make a big difference.

    2. Declutter and deep clean

    A clutter-free home feels cooler and more relaxing. Take time to store away winter items, donate what you no longer need, and give your home a deep clean. It’s also a good opportunity to check that your valuables are safely stored and properly covered, something Police Mutual Home Insurance can help with, offering protection tailored to your lifestyle.

    3. Refresh with summer colours

    Introduce light, airy tones like soft blues, whites, and pastels into your décor. Swapping out cushions, throws, and rugs can instantly give your home a fresh, summery feel without a full makeover.

    4. Get your garden summer-ready

    Tidy up your outdoor space by mowing the lawn, trimming hedges, and planting colourful flowers. Add some outdoor lighting or a seating area to create a relaxing retreat. If you’ve invested in new garden furniture or equipment, make sure it’s included in your home insurance policy. Police Mutual offers cover that includes outdoor items, giving you peace of mind.

    5. Check cooling systems

    Before the heat hits, test your fans and if you have one, air conditioning units. Clean filters and ensure everything is working efficiently. It’s also a good time to check your smoke alarms and security systems, keeping your home safe and cool all summer long.

    6. Review your home insurance

    Summer often means more activity at home, barbecues, guests, and time spent outdoors. It’s wise to review your home insurance to ensure you’re fully covered. Police Mutual Home Insurance offers comprehensive protection, including accidental damage, helping you enjoy the season without worry.

    7. Create a summer sanctuary

    Designate a space to unwind—whether it’s a shaded garden nook, a sunny reading corner, or a breezy balcony.

    Reach out to Police Mutual for your Home Insurance needs

    Getting your home summer-ready is about more than just aesthetics, it’s about creating a space that feels safe, comfortable, and enjoyable. With a few thoughtful updates and the reassurance of Police Mutual Home Insurance, you can embrace the season with confidence and ease.

    If you’re looking to switch Home Insurance providers or needing to take out a policy for the first time, give us a call or apply online to get a quote in minutes.

  • Going on Holiday? A Homeowner’s Checklist for Peace of Mind

    Going on Holiday? A Homeowner’s Checklist for Peace of Mind

    Brought to you by Police Mutual

    Summer holidays are a time to relax, recharge, and escape the daily grind. Before you jet off, it’s worth taking a few simple steps to ensure your home is safe and secure while you’re away. Whether you’re heading to the coast or flying abroad, this checklist brought to you by Police Mutual Home Insurance will help you enjoy your break with total peace of mind

    Secure All Entry Points

    Before you leave, double-check that all doors and windows are locked, including:

    • Garage doors
    • Loft hatches
    • Side gates and sheds

    Consider installing smart locks or security cameras for added protection. These upgrades not only enhance your home’s security but may also be viewed favourably by your home insurance provider.

    Make It Look Like You’re Home

    An empty house can be a target. Here’s how to keep up appearances:

    • Use timers on lights to mimic your usual routine.
    • Ask a neighbour to collect post or use Royal Mail’s Keepsafe service.
    • Leave a car in the driveway if possible.

    Some policies, including Police Mutual Home Insurance, may have conditions around unoccupied homes so it’s worth checking your documents before you go. You can always give us a call to check anything over if you have any concerns.

    Minimise Fire and Water Risks

    Before you head off:

    • Unplug non-essential appliances.
    • Turn off water at the mains (especially if you’re away for more than a week).
    • Test your smoke alarms.

    Water damage is one of the most common Home Insurance claims*. Taking these steps can help prevent costly incidents and unnecessary stress.

    Review Your Home Insurance Policy

    Make sure your policy:

    • Covers unoccupied periods (some limit this to 30 days).
    • Includes accidental damage and theft.
    • Reflects any recent home improvements or high-value purchases.

    If you’re unsure, contact Police Mutual to review your cover. It’s better to be safe than sorry.

    Let Someone You Trust Know

    Leave a spare key with a trusted friend or neighbour and give them:

    • Your contact details
    • Alarm codes (if needed)
    • Instructions in case of emergency

    They can act quickly if something goes wrong, potentially saving you from a costly claim.

     Reach out to Police Mutual for your Home Insurance needs

    At Police Mutual, we understand the importance of protecting what matters most. By following this checklist, you can enjoy your holiday knowing your home is secure and your insurance is ready to support you if needed.

    If you’re looking to switch Home Insurance providers or needing to take out a policy for the first time, give us a call or apply online to get a quote in minutes.

    *Source: What are the most common home insurance claims in the UK? – Which?

  • Looking to Sign In? Here’s What You Need to Know

    Looking to Sign In? Here’s What You Need to Know

    If you’re searching for a way to log in to your Police Mutual account, you may be wondering where to find the login page. While Police Mutual does not currently offer an online account login, we want to ensure you get the right support for your financial products.

    How can I get in touch with Police Mutual?

    If you have questions about your policy or any of our products, you can find all our contact details here.

    I have a PMAS product – how can I log in?

    Previously, Police Mutual offered a range of PMAS financial products, including ISAs, Life Insurance, Savings and Investments, Endowments and Bonds, and Pensions. These products are now wholly managed by Royal London, meaning any account access or management will be handled through their platform.

    If you had a PMAS plan and need to log in to manage your account, you can do so via Royal London’s online service. Your plan remains active, and you can continue to access your details as usual.

    To log in or find more information, visit Royal London’s PMAS page.

  • The UK Housing Market is Bouncing Back: Why Now Could Be the Right Time to Move

    The UK Housing Market is Bouncing Back: Why Now Could Be the Right Time to Move

    After a prolonged period of uncertainty, the UK housing market is showing clear signs of recovery. A surge in homes for sale, increased buyer confidence, steady price growth, and improved mortgage affordability have all contributed to what many are calling a mini property boom.

    More Homes on the Market, More Buyers Stepping In

    According to Zoopla’s House Price Index (May 2025), the number of homes listed for sale is up 13% compared to this time last year. This increased supply is giving prospective buyers more choice and breathing fresh life into the market. Crucially, this rise in listings has also translated into activity: agreed sales are up by 6% year-on-year, reaching their highest level since 2021.

    With more sellers entering the market and more buyers ready to move, this increase in housing stock has helped restore a sense of balance. Buyers are currently negotiating deals around 3% below the asking price, suggesting that sellers are willing to be flexible to get deals done, a win for those looking to secure good value.

    House Prices Rising, But at a Manageable Pace

    Nationally, house prices have risen by an average of 1.6% over the past year, with the average UK property now valued at £268,250, according to Zoopla. Importantly, this moderate growth has kept homes within reach for many buyers, especially compared to the double-digit increases seen during the post-pandemic surge.

    Price trends do vary by region. Northern areas like Blackburn and Belfast have seen growth of over 5%, driven by local demand and lower relative starting prices. Conversely, southern coastal cities such as Bournemouth and Brighton have experienced small price declines, likely due to a higher number of properties being brought to market.

    According to the Office for National Statistics, the average house price in West Northamptonshire reached £295,000 in March 2025, marking a 7.0% increase from March 2024. This growth aligns with the broader East Midlands region, which also saw a 7.0% rise during the same period.

    Mortgage Rates Drop and Affordability Improves

    Improved affordability is another factor helping to fuel renewed buyer interest. The Bank of England cut the base rate to 4.25% in May 2025, easing the pressure on borrowers and bringing down mortgage rates across the board.

    According to Morningstar UK, the most competitive two-year and five-year fixed-rate mortgages are now available at 3.75% and 3.83%, respectively — down significantly from the 5–6% range seen in 2023.

    As noted by The Guardian, some lenders have also relaxed their affordability criteria, meaning buyers can now borrow more than in recent years. This has opened the door particularly for first-time buyers and second-steppers looking to move up the property ladder.

    Market Outlook for the Remainder of 2025

    All indicators suggest this trend is set to continue through the second half of the year. Zoopla projects a 5% increase in completed sales and a 2% rise in average prices by the end of 2025, underpinned by growing market confidence and more accessible mortgage deals.

    Meanwhile, The Times reports that UK house sales are now at their highest level since the lockdown-induced boom, suggesting that the recovery is not just anecdotal.

    Is Now the Right Time to Move?

    With more homes to choose from, competitive mortgage rates, and steady house price growth, the current market offers real opportunities for movers.

    Daniel Mumford, Managing Director at Grange Mortgages, commented:
    “With increased property listings, stable pricing, and improved mortgage affordability, there’s a unique window of opportunity for buyers and movers. The current market conditions are among the most favourable we’ve seen in recent years, making it an excellent time to consider your next property move.”

    For more information on the Police Mutual Fee-Free Mortgage Advice Service, provided by Grange Mortgages click here.

  • Healthy Eating Week 2025

    Healthy Eating Week 2025

    12 – 16 June 2025

    Healthy eating week is a great time to think about improving your diet. Poor nutrition and obesity are becoming more common in the UK. According to Public Health England nearly 2/3rds of adults in England are classed as being overweight with more men likely to be in this category than women.

    Being overweight can cause various health concerns and according to Cancer Research UK, overweight and obesity is the 2nd biggest cause of cancer. Keeping a healthy weight reduces the risk of 13 different types of cancer. Diabetes and heart disease are also other conditions that you have a higher chance of developing if you are obese.

    It is therefore important to ensure you are eating a balanced diet. This guide will give you some tips on how to achieve a healthy diet.

    How can you improve your eating and drinking habits?

    Eat at least 5 portions of fruit and vegetables each day (this can include frozen & dried). This will not only improve your nutritional intake, but also many fruits and non-starchy vegetables such as grapes, watermelons, tomatoes, and lettuce, contain a lot of water and can help keep you hydrated as well.

    When eating carbohydrates, choose whole grains and high fibre versions with less added fat, salt and sugar and more vitamins. Eating whole grains instead of highly refined grains can help reduce the risk of heart disease and diabetes and can support a healthy digestive system.

    Ensure you are getting a good source of protein like lean meats, fish, eggs, dairy products, soya, seeds and nuts and beans and pulses. Reduce the amount of processed meat you are eating, these include sausages, bacon, cured ham, corned beef, and smoked meat. Try to eat 2 portions of fish per week, at least one of which is oily.

    Be aware of your sugar intake. Eating too much sugar can cause weight gain and tooth decay, so moderation is key. Some studies believe that sugar can be incredibly addictive, so keep track of how much sugar you are adding to your food and drinks. Look at information on nutrition labels and ingredients lists to help reduce your intake of sugar. High sugar intake is linked to numerous ailments, including obesity, type 2 diabetes, heart disease, and many forms of cancer.

    A lot of products have been choosing to replace their sugar usage with sweeteners and this is where diet drinks have come from. Sweeteners are a minimum of 200 times sweeter than sugar and can be as much as 700 times sweeter. This means that less can be used in foods, therefore we consume less product overall. Sweeteners are much better for you from a dental health perspective. However, the research around obesity and weight gain is not clear. It is therefore best that sweeteners included in your diet are in moderation.

    We all know that it’s important to keep hydrated and to drink more water. Water is good for your health, drinking 8 glasses of water each day is recommended to maintain good health, which is around 1.5 to 2 litres.

    When choosing what to drink, consider the nutritional benefits. Sugary drinks can often be your biggest source of sugar intake. The soft drinks industry levy or sugar tax was introduced in April 2018 as a key part of a government strategy to tackle childhood obesity.

    Flavoured water is often promoted as a healthier alternative to fizzy drinks but that’s not always the case. Even though they are zero or low calories, these drinks can be loaded with sugar, artificial sweeteners, artificial colouring, preservatives, and other unnatural ingredients. One easy way to ensure tasty water that’s naturally flavoured is to make it yourself.

    DIY infused drinks add nutrients to your diet that can strengthen your immune system, boost your energy, kick start your metabolism and help you maintain a healthy, hydrated body. You could try using cucumber, lemon, lime, mint, ginger, basil or even a cinnamon stick.

    Swap caffeine and alcohol with water. Caffeine and alcohol are both diuretics, meaning that they cause your body to remove fluids from your blood at a much quicker rate than other liquids. This results in the body becoming dehydrated.

    Alcoholic drinks contain almost twice as many calories as protein and carbohydrates they also contain calories from other sources, which add to overall caloric intake, e.g. cocktails, mixers, spirits. Alcohol loosens the inhibitions and therefore you are more likely to indulge on unhealthy foods. If you’re drinking and then you don’t feel well the next day, you’re going to be less likely to be physically active. When you drink your body is more focused on breaking down alcohol rather than burning fat.

    Recommended Daily Allowance

    Food labels use reference intakes to demonstrate the amount of calories you should eat each day.

    The intake for an average adult should be:

    • Saturates – less than 20g
    • Carbohydrates – at least 260g
    • Energy – 2000Kcal
    • Fat – less than 70g
    • Total sugars – 90g
    • Protein – 50g
    • Salt – less than 6g

    Poor nutrition or malnutrition is caused by a person’s diet lacking the right amount of nutrients. Malnutrition can refer to undernutrition, which is not getting enough nutrition and over nutrition, where you are getting more nutrients than you need.

    Malnutrition can lead to a range of serious health conditions, including:

    • Type 2 diabetes
    • Cardiovascular disease
    • Obesity
    • Depression
    • Bone and joint issues
    • Tooth decay

    It’s important for you to be aware of the symptoms of poor nutrition and dehydration.

    These include, but are not limited to, dizziness, dry skin, nausea, and heart palpitations. If you notice any of these changes occurring, you need to be proactive and take some preventative measures to

    avoid malnutrition by having a healthier, more balanced diet.

    Here are some tips if you are trying to lose weight and want to reduce hunger cravings naturally:

    Some foods are high in soluble fibre which form a gel in your bowels, making you fuller for longer and helping to clear cholesterol from your blood. Eat oats, barley, rice, golden linseeds, chia seeds, aubergine, okra, bananas, apples, citrus fruits, strawberries, prunes, plums, avocados, pears, carrots, broccoli, sweet potatoes, and onions. Food such as meat, fish and diary don’t contain any fibre as this only comes from plant foods.

    • Keep it simple and don’t fall prey to fad diets.
    • Aim for a protein source at every meal to combat the hunger cycle.
    • If you don’t exercise often, look to make movement part of your day.
    • Avoid drinking sugary drinks where possible, as it is common to underestimate how many calories and how much sugar a drink can contain. Look out for ‘no added sugar’ drinks.
    • Feel empowered, not overwhelmed, if you are trying to switch to a healthier diet take it one step at a time and in moderation.  You will be more likely to stick with it. Be patient losing weight will take time.
    • Set realistic goals, to maintain a balanced nutritional diet and fit in regular exercise.  Start by making small changes such as walking daily.
    • Try using a health and wellbeing mobile App, to keep track of your calorie intake and water consumption. Make sure you celebrate your milestones.

    Food and Stress

    You have both physical and psychological relationships with food. Your physical relationship with food is based on the types of food you choose to eat, your eating behaviour, or habits and how your body responds biologically to your diet.

    Your psychological or emotional relationship with food is based on how you think about food, how you use food for reasons other than to relieve hunger, and how food relates to your body image, or the way you feel about how you look.

    In order to get control of stress eating, you have to control your stress levels.

    Read our stress awareness guide here.

    5 ways to manage food consumption when stressed:

    1. Know your stressors

    2. Exercise to reduce stress

    3. Reach out for help

    4. Develop a practice of mindfulness

    5. Learn intuitive eating

  • Car & Home Insurance – How do you Make Sure you get the Best Value for your Needs Compared to the Cost?

    Car & Home Insurance – How do you Make Sure you get the Best Value for your Needs Compared to the Cost?

    Price increases and rising inflation are putting a lot of pressure on household finances. Many people are actively reviewing their finances and cutting back or eradicating expenditure where possible to make savings.

    Payments and prices will come under the spotlight. But it’s not always a case of searching out the lowest cost, you need to consider your personal needs and the value you want your policy to provide.

    Take insurance premiums for example. Car insurance is a legal requirement in the UK, but home insurance isn’t. So, at the extreme, someone could risk not insuring their home to save outgoings. But what a risk! Damage to the house structure or loss of home contents could be incredibly expensive to redress.

    So, how could you manage the amount you pay for your insurance whilst making sure it is still adequate for your needs? Options to look at could include opting to pay a higher excess in the event of a claim, or not covering your home contents for accidental damage. When considering options like this you would need to consider how you would cover any additional costs that might arise in the event of a claim. For example, consider if you could afford to pay the higher excess in the event of a claim, or how you would replace items subject to accidental damage if you decided not to take that level of cover out with your policy. 

    Some insurance policies may promote a lower headline cost, but either not include certain elements that you personally would find useful or need, or make you pay extra for elements that you want to make use of.

    Examples include:

    • You might want to consider a car insurance policy that provides a courtesy car. If as a result of a claim your car needs to go in for repairs you would need to make arrangements to remain mobile for the period that your car is being repaired.
    • You might want to consider a home or car insurance policy that doesn’t charge to make changes during the time you hold the policy with the insurer. Changes you may need to make during the year could include mileage changes, address changes, insured driver changes and provision of duplicate documents. If your job or occupation changes, you might need to change your home or car insurance cover, for instance, if you become self-employed and work from home. If your policy charges for amendments these can add costs to your original premium paid.
    • You may want to review what policy extras you actually need, being mindful that you would need to consider how you would cover any additional costs arising if you decided to exclude policy add-ons.
    • Specialist Police car insurance policies may or may not include protection for officers travelling to or from work in their car whilst carrying official kit such as their Police Uniform. If you are a serving officer, you may want to make sure your policy covers you for this.

    So, it pays to look beyond the headline cost and get a policy that works for you and your specific needs.

    Reviewing your policy could make sure you have a policy that meets your individual needs and help reduce the chances of you being hit with any unexpected costs.

    If you are reviewing your insurance premium costs as part of your household finances review, you may be interested to know that you don’t need to wait until your renewal date to review and switch your insurance policy.

    Even if you took out an annual policy paid upfront as a lump sum, you may be able get a refund on some of your premiums and switch to a new insurer of your choice. However, some insurance companies may apply a cancellation charge for moving away from them during the term of the policy. You can help protect yourself from these charges by moving to an insurer that will pay some or all of the cancellation fees charged by your old insurer.

    If you move your car or home insurance to Police Mutual, any cancellation fees charged by your old insurer up to a maximum of £125 will be paid. So you can move straight away without waiting till renewal time. To give you an idea of cancellation charges, the average cancellation charge levied in 2024 (after the 14-day cooling off period) for car insurance was £55,[1] and while there are no official figures for home insurance in 2024, it’s usually between £25 and £50, according to NimbleFins.[2] Your existing policy documents should tell you what your exact cancellation charge would be.

    You can check out Police Mutual Car & Home Insurance here.

    Police Mutual Car Insurance is provided by ERS and Police Mutual Home Insurance is provided by Bspoke Underwriting Ltd.

    PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 114942. Registered in England & Wales No.1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB. For your security, all telephone calls are recorded and may be monitored.

    [1] Average Cost to Cancel UK Car Insurance (2024) | NimbleFins

    [2] Home Cancellation Fees| NimbleFins