Steeples Mortgages

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

17/08/2026

🤔 How Much Protection Cover Do I Need?

It's one of the most common questions we hear, and the honest answer is...

It depends on you.

Everyone's circumstances are different, but when thinking about protection, ask yourself:
🏡 If you weren't here tomorrow, could your family afford to stay in their home?
💷 If you couldn't work because of illness or injury, how would you pay your monthly bills?
🩺 If you were diagnosed with a serious illness, would you have enough money to focus on your recovery without financial worry?

The right amount of protection should reflect your lifestyle, financial commitments and the people who rely on you.

Whether it's Life Cover, Critical Illness Cover or Income Protection, having the right cover in place can provide valuable financial security when it's needed most.

📞 Not sure if you have enough cover? Get in touch today for a protection review. We'll help you understand your options and make sure your cover is right for your needs.

Steeples Financial Services Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Steeples Mortgages is a trading style of Steeples Financial Services Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

01484 817224

07/08/2026

🏡 Buying a home? Don't forget these costs...

Saving for your deposit is a huge milestone, but it's only one part of the budget when buying your home.

Before you get the keys, it's worth planning for a few other costs too, including:
✔️ Solicitor fees
✔️ Building Survey costs
✔️ Mortgage broker fees
✔️ Mortgage lender and valuation fees (where applicable)
✔️ Stamp Duty (if payable)
✔️ Buildings & Contents insurance
✔️ Removal costs
✔️ Furniture, decorating and those little extras that soon add up

Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I'm here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.

📩 Thinking about buying your first home or moving house? Get in touch and let's make sure you're fully prepared.



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.

05/08/2026

🌿 August is National Wellness Month 🌿

When we think about wellness we often think about eating well, staying active and looking after our mental health. But there's another part of wellbeing that's often overlooked...
💙 Financial wellness.

No one expects to become seriously ill or be unable to work, but if the unexpected happened, would you have the financial support you need?

❤️ Life Cover can help protect the people you love.
🩺 Critical Illness Cover can provide financial support following the diagnosis of a covered serious illness.
💼 Income Protection can help replace part of your income if illness or injury means you can't work.

Looking after your wellbeing isn't just about living well today, it's about preparing for tomorrow too.

This National Wellness Month, make your financial wellbeing part of your self-care routine. 🌱

📞 Not sure if you have the right protection in place? Speak to us today for a no-obligation protection review and let's make sure you and your loved ones are prepared for whatever life brings.
01484 817224

03/08/2026

🏗️ Protect your income – and your business

Being self-employed means you're in control of your business...
But it also means your business relies on you. 💼

If illness or injury stopped you from working, your income could reduce or stop altogether. But many of your fixed business costs would still need to be paid. 📋

These could include:
• 🚐 Van or vehicle lease payments
• 🏢 Rent for your business premises
• 🛠️ Equipment or machinery hire
• 🛡️ Business insurance
• 💡 Utility bills
• 💳 Loan or finance repayments
• 📞 Phone, broadband and other essential business expenses

These are known as fixed costs because they continue whether you're working or not.

✅ Income Protection can provide a regular monthly income if you're unable to work due to illness or injury. Even better, if you're self-employed, eligible fixed business costs may also be taken into account when calculating how much cover you can have, helping you protect more than just your income.

That means you could have greater financial support to help keep both your household and your business running while you focus on your recovery. ❤️‍🩹

📞 If you're self-employed and would like to find out how Income Protection could help protect both you and your fixed costs, get in touch on 01484 817224.