Alicia Baker Consultancy - Mortgage Broker

08/09/2026

If you’re thinking about starting overpayments, always check your lender’s terms first — but once you’re set up, even tiny amounts can make a massive impact.

You can shave years off your mortgage without stretching yourself.
Consistent overpayments — even £25–£150 a month — quietly reduce your balance, lower your interest, and bring your finish line closer.

Little changes create long‑term freedom 🏡💛
Just double‑check your lender’s overpayment limits first. Once you’re set up, the impact is bigger than most people realise.

Example:
Amount without overpayments
Monthly payment:
£1,610.46
Total interest:
£279,767.35
Total to repay:
£579,767.35
Length of mortgage:
30 years and 0 months

Amount with overpayments
Monthly repayment:
£1,755.46
Total interest:
£225,629.33
Total to repay:
£525,629.33
Length of mortgage:
25 years and 0 months

Changes with overpayments
Making regular monthly overpayments of £145.00
could mean an interest saving of £54,138.02
and reduce your term by 5 years and 0 months
Monthly payment with overpayments:£1,755.46

Results are an estimate and should only be used as a guide.

Follow for more more tips 💛

Alicia Baker Consultancy Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage. This is a marketing communication and does not constitute a personal recommendation.

03/09/2026

✨ Before you put an offer in… look at what’s SOLD nearby.
Not what’s for sale — what’s actually sold. That’s where the truth is.

💡 Sold prices show you:
• Real market value — not the estate agent’s marketing price
• Whether the home you love is fairly priced
• If your offer should be strong, cautious, or somewhere in between
• How fast similar homes are selling in that area

It’s simple: sold data = confidence.
When you know what buyers recently paid on that street or postcode, you can make an offer that’s smart, realistic, and backed by evidence.

Your money, your move — make it an informed one.

If you want any help deciding on what to offer on a property send me a message 📧

Alicia Baker Consultancy is a trading style of Alicia Baker Consultancy Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority

Your home may be repossessed if you do not keep up repayments on your mortgage. This is a marketing communication and does not constitute a personal recommendation.

02/09/2026

This client came to me after being declined because of their credit score.

It happens more often than you think.

We broke down their report, fixed the key issues, and got them accepted. Small changes, big results.

If you’re starting your home‑buying journey, it’s worth checking where you stand today.

Follow for more more tips 💛

Alicia Baker Consultancy is a trading style of Alicia Baker Consultancy Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority

Your home may be repossessed if you do not keep up repayments on your mortgage. This is a marketing communication and does not constitute a personal recommendation.

01/09/2026

If you’re dreaming of your first home in Folkestone, your credit score matters.

Three quick wins:
✔ Pay on time
✔ Use less than 25% of your limit
✔ Register at your current address

Your mortgage journey starts long before you apply.

If you’re starting your home‑buying journey, it’s worth checking where you stand today.

Follow for more more tips 💛

Alicia Baker Consultancy is a trading style of Alicia Baker Consultancy Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority

Your home may be repossessed if you do not keep up repayments on your mortgage. This is a marketing communication and does not constitute a personal recommendation.

19/08/2026

Three things every first‑time buyer should know:
1️⃣ You don’t need a big deposit — many lenders work with 5% deposits. A few only need £5000 for a £300,000 property.
2️⃣ Your borrowing power isn’t just your income — lenders look at the full picture.
3️⃣ Getting a DIP early gives you clarity, confidence, and stronger negotiating power.
Small steps now make a huge difference later.

Follow for more more tips 💛

Alicia Baker Consultancy is a trading style of Alicia Baker Consultancy Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority

Your home may be repossessed if you do not keep up repayments on your mortgage. This is a marketing communication and does not constitute a personal recommendation.

18/08/2026

14/08/2026

✨ Shaving years off your mortgage doesn’t have to mean huge payments — every little bit counts.
Whether it’s £25, £50 or £125 a month, consistent overpayments chip away at your balance, reduce the interest you pay, and shorten your term.

Small steps → big savings → faster freedom from your mortgage 🏡💛

If you’re thinking about starting overpayments, always check your lender’s terms first — but once you’re set up, even tiny amounts can make a massive impact.

Example;
Amount without overpayments
Monthly payment:
£1,304.12
Total interest:
£219,482.60
Total to repay:
£469,482.60
Length of mortgage:
30 years and 0 months

Amount with overpayments
Monthly repayment:
£1,429.12
Total interest:
£176,543.16
Total to repay:
£426,543.16

Making regular monthly overpayments of £125.00 could mean an interest saving of £42,939.44 and reduce your term by 5 years and 1 month.

Results are an estimate and should only be used as a guide.

Follow for more more tips 💛

Alicia Baker Consultancy Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage. This is a marketing communication and does not constitute a personal recommendation.

12/08/2026

Every first‑time buyer has that moment where they think… “Maybe I should wait. Maybe the market will calm down. Maybe prices will drop.”
But here’s the truth: there is never a perfect time to buy — only the right time for you.

The market moves constantly. Rates shift. Prices rise and fall. New listings appear and disappear. If you wait for the stars to align, you’ll wait forever.

What does matter?

• Your affordability
• Your long‑term plans
• Your stability
• Your comfort with the monthly payment

Buyers who take action when they are ready — not when the headlines say so — are the ones who get the keys.

If you’ve done your research, checked your budget, and found a home you love…
Don’t wait for perfect. It doesn’t exist.

Your future home is built on decisions, not timing.

Ready when you are ✨

Alicia Baker Consultancy Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage. This is a marketing communication and does not constitute a personal recommendation.