Alicia Baker Consultancy - Mortgage Broker

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Alicia Baker Consultancy - Mortgage Broker Supporting Folkestone & Kent buyers since 2014. Known for navigating complex cases with 5⭐️ client reviews. Click below to contact me 👇

30/10/2026

A question I get asked all the time:
💬 “What happens when my fixed mortgage deal ends?”

In most cases, you’ll automatically move onto your lender’s Standard Variable Rate (SVR). This rate is often higher than your current deal, which could increase your monthly payments.
The good news? You don’t need to wait until the last minute.

I always recommend reviewing your mortgage around 6 months before your fixed rate ends. This gives you plenty of time to explore your options, secure a competitive new deal, and make sure your mortgage still works for your circumstances.

Planning ahead = more choice, less stress, and potentially lower payments. 🏡

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.

29/10/2026

🚨 Most people think serious illness won’t happen to them... until it does.

Critical illness cover isn’t about expecting the worst. It’s about having financial support if life throws you a curveball.

✅ Help with the mortgage
✅ Cover everyday bills
✅ Reduce financial stress
✅ Focus on what really matters: your recovery

Because your health should be your biggest concern, not your finances.

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

As with all insurance policies, conditions and exclusions will apply.

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.

28/10/2026

🏡 Some potentially huge news from today’s budget for first-time buyers!

The headline announcement is the new “Your First Home” scheme, which could allow buyers to purchase with as little as a 2.5% deposit alongside a 20% government equity loan that’s interest-free for the first 5 years.

There’s also good news for Lifetime ISA savers, with the withdrawal charge reducing from 25% to 20% on purchases above the current £450,000 cap.

The finer details, participating lenders and eligibility rules are still to be confirmed, but this could open the door to homeownership for many buyers who thought they were years away from purchasing.

As always, the devil is in the detail, and I’ll be keeping a close eye on how these schemes develop. 👀
📩 Send me a message if you’d like to discuss your plans for buying in 2027 and beyond.

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.

24/10/2026

If you're on my page, you've probably been thinking about buying a house...

And honestly? That's exactly why I'm here. 🏡

Whether you're dreaming about your first home, wondering how much you could borrow, or trying to work out if now is the right time, I'd love to help.

Drop me a 🏠 in the comments and I'll send you my beginner's guide to getting mortgage ready.

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.

22/10/2026

Most people tell me they’ve never thought about what would happen if they couldn’t work due to illness.

Yet their mortgage, bills and everyday expenses would still need paying.

Income protection isn’t about expecting the worst. It’s about having a plan in place, just in case life takes an unexpected turn.
Watch the reel to find out how it works and why it’s worth considering.

📩 If you’d like advice on protecting your income, 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.

15/10/2026

Buying your first home doesn’t always mean getting a mortgage…
With Shared Ownership, you can buy your 10% share in cash — no lender, no affordability checks, no credit scoring.

And the best part?
👉 Your rent is cheaper because you’re only paying rent on the remaining 90%
👉 Your monthly costs drop massively
👉 You still get all the benefits of being a homeowner
👉 You can staircase later when your income or credit improves

For some buyers, this is the easiest way to get onto the ladder without waiting years to fix affordability or credit issues.

If you’ve got a deposit saved but can’t get a mortgage right now…
Shared Ownership might be your shortcut to owning your first home 🏡💛

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.

14/10/2026

Life changes fast — but your family’s security shouldn’t.
That’s why life cover is one of the most important steps in protecting your home, your loved ones, and your future.

If the worst were to happen, life cover provides a tax‑free lump sum that helps your family keep the home you worked so hard for, stay financially stable, and focus on healing rather than worrying about money.

It’s not about fear.
It’s about confidence, clarity, and knowing the people you love most are protected no matter what.

If you’re unsure what level of cover you need, I can help you explore the right options for your situation — simple, clear and tailored to you.

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

As with all insurance policies, conditions and exclusions will apply.

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.

06/10/2026

I spend my days breaking mortgages down into clear, simple pieces so you never feel lost in the numbers.

Every figure, every option, every pathway — I explain it in a way that actually makes sense for your life.

No jargon, no pressure, no overwhelm. Just calm, honest guidance that helps you understand what’s possible and feel confident about your next step.

When you know what the numbers mean, the whole journey feels lighter, clearer, and genuinely exciting.

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.

30/09/2026

What you do after your mortgage offer matters just as much as what you did to get it.

These are the mistakes that can put your home at risk — and the simple swaps that keep your offer safe, secure, and ready for completion.
Your mortgage is approved… now let’s protect it.

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.

Address

Castle Mews
Folkestone
CT202BU

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 5pm

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