Steeples Mortgages

01/10/2026

🔍 When did you last check what other benefits come with your insurance?

You might be paying for protection every month… but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:
🩺 24/7 GP appointments
🏥 Hospital benefit – a payment if you’re admitted to hospital
🦴 Fracture cover – a lump-sum payment for certain fractures
🧠 Mental health support
💪 Health & wellbeing services
👨‍⚕️ Second medical opinions
💻 Remote medical consultations
👨‍👩‍👧 Support for your family
🎁 Lifestyle and wellness benefits

And the best part? You may already have access to some of these benefits.

📋 When was the last time you checked your policy?

I can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

👉 Get in touch today and let’s check what benefits your insurance could provide – you might be surprised by what’s included.
Please contact me on 07902 499031 or [email protected]

01/10/2026

🏠 When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:
• Can I afford to stay in my home?
• Can I take the mortgage on by myself?
• Could a family member help me with affordability?
• What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, I can look across different lenders to find the right solution for your circumstances, including:
• Lenders that allow family members to boost your affordability with their income
• Lenders offering stronger income multiples, which could increase how much you’re able to borrow
• More flexible approaches to different types of income
• Interest-only or part-and-part options where appropriate
• Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. 💬



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

21/09/2026

Fraud is now the most commonly experienced crime in England and Wales, according to the Crown Prosecution Service, with millions of incidents reported each year. And as scammers turn to AI and increasingly convincing impersonation techniques, spotting a scam isn't always as easy as looking for a suspicious spelling mistake.

The good news is that a few simple habits can make a big difference. Stop, Challenge, Protect is a useful approach to remember whenever you're contacted unexpectedly. (Source: TakeFive)

What scams should you look out for?
AI voice cloning is an emerging tactic where criminals use a short recording of someone's voice to create a convincing imitation. You might receive a call that appears to be from a family member, friend or colleague asking for urgent financial help.
Fake text messages, sometimes known as smishing, can look remarkably genuine. Messages may claim you've missed a parking payment, have a parcel waiting or are entitled to an energy refund, often directing you to a link designed to steal personal or financial information.
Impersonation scams can also involve callers pretending to represent your bank, HMRC or another official organisation. Don't trust the number on your screen alone. Fraudsters can manipulate caller ID to make a call appear to come from a bank or another organisation you recognise.
There are also subscription scams and traps, where apparently free trials or services can result in unexpected recurring payments.

Remember: Stop, Challenge, Protect

Stop: If someone is pushing you to make a payment or reveal information immediately, take a breath. A genuine organisation won't mind you taking time to check.
Challenge: Ask yourself whether the request makes sense. Be particularly cautious if someone creates a sense of urgency or asks for information you wouldn't normally provide.
Protect: If you're unsure, end the conversation and contact the organisation using a trusted number, for example, the number on the back of your bank card or an official statement. Don't use a number or link provided in a suspicious message.

What should you do if you think you've been scammed?

If you receive a suspicious text, you can forward it to 7726 free of charge. Suspicious emails can be forwarded to [email protected].

If you've lost money or been the victim of fraud, report it through the UK's official fraud reporting service. If you've shared your banking details, contact your bank immediately using a trusted number.

Most importantly, don't be embarrassed about falling for a scam. Fraudsters deliberately make their messages convincing and create pressure to stop you thinking clearly.

If you're ever unsure about a financial request or message relating to your mortgage or finances, we're always happy to help you sense-check it. Get in touch, it's better to ask than to risk getting caught out.

15/09/2026

Borrowing in later life is becoming increasingly relevant as people live and work for longer, retirement plans change, and more homeowners look to the wealth tied up in their property.
Now, the Financial Conduct Authority (FCA) is taking a closer look at the later-life mortgage market. (Source: FCA)

In March, the FCA launched a market study into lifetime mortgages and retirement interest-only (RIO) mortgages, asking whether the market is meeting consumers' changing needs and providing enough choice and competition. The study was updated in June following feedback from lenders, advisers and consumer groups.

The study is looking at more than just the products themselves. It will consider how consumers understand and compare their options, the role of advice, competition between providers and whether new or innovative products could better meet people's needs.

There isn't a one-size-fits-all solution

One of the most important points is that later-life lending doesn't automatically mean equity release. Depending on your circumstances, alternatives could include a standard mortgage, a RIO mortgage, a lifetime mortgage or downsizing. The FCA has specifically said it will consider how consumers compare these different ways of accessing housing wealth.

That's why good advice matters. What works for one homeowner may be completely unsuitable for another.

What does this mean for you?

The FCA's review is ongoing throughout 2026, so it is too early to say what changes may eventually result. But its focus reflects an important shift: borrowing in later life is becoming a more significant part of the mortgage market.

If you're approaching retirement with a mortgage, thinking about accessing property wealth or simply wondering whether your current borrowing still suits your plans, it could be worth reviewing your options.

You don't have to work out the answer on your own. Get in touch, and we can talk through your circumstances, explain the options available and help you understand what might – or might not – be right for you.

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

02/09/2026

Last 25 of the first 100 push ups for the first day of September yesterday for Aaron.

30/08/2026

Any donations welcome and much appreciated for Aaron who will be completing this challenge.

Thanks for visiting my fundraising page. In the last 50 years, Cancer Research UK’s work has helped double cancer survival in the UK. But we need to go further, faster.
Cancer doesn’t have an age preference and perfectly healthy people are diagnosed with Cancer. Anything that anyone can spare all helps. Thank you in advance.

Thanks for visiting my fundraising page. In the last 50 years, Cancer Research UK’s work has helped double cancer survival in the UK. But we need to go further, faster. Cancer doesn’t have an age preference and perfectly healthy people are diagnosed with Cancer. Anything that anyone can spare al...

27/08/2026

💼 Self-employed? Your income is your business’s biggest asset

If you're self-employed, what happens when you can't work?

Unlike employees, you don't receive Statutory Sick Pay. That means if illness or injury keeps you away from work, your income could stop, but your financial commitments won't.

🏠 Mortgage or rent
💡 Household bills
🚐 Vehicle and business costs
🛒 Everyday living expenses
👨‍👩‍👧 Family commitments

For employees, eligible workers can receive up to £123.25 a week in Statutory Sick Pay from April 2026.

For the self-employed?
£0 SSP.

That's why Income Protection can be particularly valuable for self-employed clients.

💷 It can provide a regular monthly income if illness or injury means you're unable to work, helping you continue to meet your financial commitments while you recover.

You are the engine behind your business. If you can't work, what protects your income?

📞 01484 817224

Don't leave your biggest financial asset unprotected. Speak to us about Income Protection and find out how much of your income you could protect.

24/08/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover
If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:
• Pay off or reduce your mortgage
• Cover household bills
• Make changes to your home
• Take time away from work
• Help with recovery costs

💼 Income Protection
If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:
• Mortgage or rent
• Household bills
• Everyday living costs
• Family commitments

Think of it this way:
🩺 Critical Illness Cover = A lump sum following a covered diagnosis.
💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Speak to us on 01484 817224 for a protection review.

21/08/2026

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?

As summer starts to draw to a close, have those sunny days, trips to the coast and time away with the family got you thinking… What if we had a place of our own?

Somewhere you can escape to for the weekend, make the most of the good weather, enjoy family holidays and create memories year after year. ❤️

And right now, there could be more choice for buyers looking in some of the UK’s most beautiful coastal locations.

Recent changes affecting landlords and holiday lets have contributed to more properties becoming available in Devon and Cornwall, including in popular seaside areas.

If you’ve always dreamed of owning a second home or holiday home but assumed it was out of reach, you might be surprised. Getting a mortgage for a second home can be more achievable than many people think.

🏡 The property? There may be more to choose from.
💷 The mortgage? That’s where I can help.

With access to over 120 lenders, I can search across a range of mortgage options, including lenders offering competitive rates specifically for second homes and holiday properties - meaning I do the research for you and help find an option that fits your wants and needs.

If owning your own little escape in Devon, Cornwall or elsewhere is on your wish list, let’s have a chat and see what could be possible. 📩



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

20/08/2026

🏡 Good news for fixed-term contract workers!

One of the UK’s largest mortgage lenders has changed the way it assesses certain applicants on fixed-term employment contracts 🙌

If you’re currently working on a fixed-term contract and fall into one of the following categories, you can now be assessed under the lender’s standard employment criteria:
👩‍⚕️ Medical doctors
👨‍🏫 Teachers (excluding supply teachers and teaching assistants)
🌍 UAE residents with a total contract duration of 3+ years

This could make getting a mortgage more straightforward for people who previously faced additional criteria because of their employment contract.

💬 On a fixed-term contract and wondering what your mortgage options look like?

Drop us a message and we can take a look at your circumstances and the lenders that may be available to you.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

01484 817224