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fyi... Winterflood Business Services (WBS) is a UK financial infrastructure provider with about £17.5bn in assets under administration and around 61 institutional clients, supporting a much wider downstream network of platforms, brokers and wealth managers. It sits behind major UK investment platforms rather than serving end investors directly. Clients include well-known wealth and platform firms such as Fidelity International, Transact, Quilter, Aviva, and other adviser platforms and brokers that outsource custody, dealing, settlement and reporting to WBS.

Just a quick post to see if anyone else's direct debits have been pulled this month yet? My direct debits for adding to my investments have previously been pulled on the 1st and the funds added to my account shortly after that, but nothing has been pulled from my bank account this month yet. I've emailed Nik this morning and called into the Cobens phone number at lunchtime (speaking to another Nik / Nick) but no-one has come back to me yet.

@2BToo said in Performance: @mikeiow said in Performance: I make a point of never looking back with a "what-if" mentality. I think this is the wisest comment I've read on this forum in a while. Thanks Mike. I totally agree. Also, removing some profits isn't the right or wrong answer, except for the person doing it. You might want to use the excess to invest in something different, buy something you wanted and now have the "surplus" to do so, just lock in a gain for peace of mind etc. What is important is everyone has their own objectives, needs and circumstances - investing is still true. Gambling is taking profits daily, or dipping in and out frequently - not your personal occasional rebalancing. YMMV

Try this [image: 1773073791510-screenshot-2026-03-09-at-16.29.26.png]

A shame you can’t ’back-date’ your ISA contributions, but at least a reminder to fill them now & moving forwards

@n5tew Good morning, to answer your questions, yes there are a handful of lenders that still offer offset mortgages, though they’re relatively niche now. With these, you only pay interest on your mortgage minus what’s in a linked savings account, which can significantly reduce your interest costs if you hold a large savings balance. There are indeed fixed rate products although they will tend to be notably higher than your conventional fixed rate products. If you would like to discuss this in further detail, please let me know, my email is michael.searle@cobens.co.uk, or we can arrange a meeting to dive into specifics.

You're keen trying that on a phone screen