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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.

Thanks Adam and Nik for your help. Turns out setting up the contribution within the Cobens website is the easy bit. It took far longer to convince Lloyds Bank to release the initial £5k tranche from our bank account. Their starting point nowadays is 'It's a scam' and seemingly you have to convince them otherwise. Even though I've done it before.

Hi V, When we launched in 2022 (and the forum is a good record for this) I said something along the lines: I argued that technology was transitioning into a dominant innovation cycle likely to deliver sustained alpha and above-market earnings growth over the coming decade. I havent changed my mind. The mandate for the portfolio is pure tech and businesses that benefit from its heavy use. New opportunities present themselves along the way and we have been very active, moving away from some names and investing in others. Bio tech as well which has been a good investment also. One should try and ignore geo political noise-yes it can be quick and profound at times but good companies correct just as quickly. At the end of the day, investors conflate 'tech is a bubble' with some companies are a bubble. Look at AMD. The also-ran which gets some good news and it doubles-why? It's not rational but we get back to psychology. The 3 legged dog which wins 1 race and all of a sudden it's the champ. Crowdstrike is trading at a multiple of 150, so is Palantir. I can't tell you why, it makes no sense to me. But I can be sure that one wrong move and the stock will get battered-again. The market is a pool of undervalued and overvalued companies. I have my own measures to gauge what a good investment is and im very happy with what we hold.

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