🔔Important: BankingTimes provides information only and does not offer financial advice. We act as an introducer to FCA-regulated partners for products such as equity release, SIPPs, and other later-life financial solutions. Always seek personalised advice before making financial decisions.

Meet the Experts Behind BankingTimes

Rachel Wait

Financial Writer

Rachel Wait is a recognised UK financial journalist with over 10 years’ experience reporting on mortgages, savings, and personal finance for trusted sites such as GoCompare and Uswitch.

She combines direct industry interviews, up-to-date regulatory analysis, and personal insight from helping readers navigate complex financial products.

This page is regularly reviewed for accuracy.

Last Reviewed: Aug 2025

Meet Rachel Wait

ABOUT RACHEL

Rachel Wait is a contributor at BankingTimes, specialising in personal finance, mortgages, and consumer money matters.

Her mission is to break down complex financial concepts so readers can make informed decisions without confusion or jargon, always aligning her work with current UK regulatory guidance and BankingTimes’ editorial standards.

Writing Focus

Rachel’s practical, reader-focused advice has been widely credited with demystifying mortgage choices for first-time buyers, improving clarity for savers comparing ISAs, and providing up-to-date budgeting tips for families, helping readers make confident, well-informed financial decisions.

Real-World Experience

With a background in journalism from the University of Warwick and verified training in FCA consumer communication, Rachel’s insights are backed by primary research, interviews with industry professionals, and real-world financial case studies

Editorial Integrity

Every article authored by Rachel undergoes review by the BankingTimes compliance team, is updated to reflect current FCA rules, and includes clear disclosures where affiliate commissions or introducer relationships may apply. She does not accept direct payment for product promotion, ensuring impartial, reader-first advice.

RACHEL’S Expertise in Retirement Finance

Areas of Expertise

Rachel is known for her expertise in mortgages, savings accounts, and proactive money management.

Mortgages and Homebuying

Rachel has extensive experience covering the mortgage market. She explains the wide variety of mortgage types, including fixed-rate, tracker, and interest-only, helping readers find the best fit for their needs.

Savings and Everyday Finance

Rachel simplifies complicated savings products and teaches readers how to make their money work harder. Her articles explain ISAs, fixed-rate bonds, and regular savings strategies in plain, actionable terms.

Consumer Finance and Budgeting

Rachel tailors her advice to help readers manage everyday finances. From tips on budgeting to guidance on credit cards, loans, and debt management, she supports readers at every age and stage of financial confidence.

Financial Security for All Stages of Life

With a robust understanding of personal finance, Rachel’s content covers building emergency savings, navigating interest rate changes, and planning for future financial goals with clarity, confidence, and long-term peace of mind.

Trustworthy Financial Advice for Your Retirement

Why You Can Trust Rachel Wait

Rachel Wait is a trusted expert at BankingTimes, providing transparent, no-nonsense guidance on mortgages and consumer finance. Her writing is clear, reliable, and focused on helping readers make confident, informed choices.

Expert Advice You Can Rely On

Years of Experience: Rachel brings a wealth of financial expertise, especially in mortgages, savings, and consumer finance.

Clear and Jargon-Free Advice: Her articles are easy to understand, cutting through complexity for the benefit of every reader.

Commitment to Accuracy: Rachel’s guidance is rooted in up-to-date regulations and industry best practices.

Reviewed for Accuracy: All content is thoroughly checked by BankingTimes’ editorial team.

Tailored for Over-55s: Rachel understands the unique financial challenges faced by UK residents and addresses those with relevant, targeted solutions.

Building the Foundation for Financial Expertise

Rachel’s Education

Rachel’s background in English and journalism from the University of Warwick laid the foundation for her clear, concise writing style and strong analytical skills.

Her education drives her commitment to accessible financial communication.

Gaining Valuable Insights from Real-World Experience

Rachel’s Work History

Rachel’s career in financial journalism and content writing has sharpened her ability to make difficult subjects usable and relevant.

BankingTimes – Contributor, focusing on mortgages, savings, and consumer financial education.

GoCompare – Former money editor, responsible for editorials on personal finance, comparison tools, and financial guides.

Uswitch – Senior features writer, producing trusted advice on switching, saving, and budgeting.

Guided by a Clear Vision for Financial Education

Rachel’s Vision

Rachel is dedicated to bridging the gap between financial products and everyday consumers. Her vision is to inform and empower readers through accurate, balanced, and transparent communication, helping them understand key choices across equity release, SIPPs, and wider personal finance.

Clear Communication

Rachel’s aim is to strip away jargon and make finance approachable and understandable for everyone.

Empowering Readers

She helps readers feel confident about their financial choices and ready for their next move.

Adapting to Trends

Rachel stays current with the latest financial news so her advice reflects what truly matters now.

Stay Connected with Rachel

Connect with Rachel

Explore Rachel’s professional journey and engage with her popular insights across platforms. Discover her latest work and connect for trustworthy financial insights and guidance.

BankingTimes and its contributors provide information only — not regulated financial advice.

Personal Endeavours

RachelWaitWrites.com: Rachel’s latest articles and insights.

Upwork: View Rachel’s freelance portfolio and client feedback.

Professional Networking

LinkedIn: Connect with Rachel and follow her professional updates.

Muck Rack: Rachel’s published portfolio and recent contributions.

Social Media

Twitter: Get the latest consumer finance tips and updates.

LinkedIn: Follow Rachel’s professional updates and articles.

Reach Out

Get in Touch with Rachel Wait

Have a question or want to learn more? Connect with Rachel through her social channels or website to explore her latest insights and guidance on personal finance.

We’re Here If You Need Help

Have a Question?

We’re happy to assist. If anything is unclear or you’d like more information, reach out to our legal or compliance team.

Important Note

BankingTimes is not FCA-authorised and does not provide financial advice. We act as an introducer to qualified advisers, including Age Partnership Limited (FCA FRN 425432). Equity release reduces the value of your estate and may affect eligibility for benefits, always seek guidance from an FCA-authorised adviser.

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