Debbie Steven - Mortgage & Protection Advisor

07/06/2026

These are my kids. My absolute everything. And when I look at this picture, I don't just see us eating ice cream. I see three reasons why I make sure my protection is in place.

Here’s something most people don’t want to sit with:

✅ If you were diagnosed with a serious illness tomorrow, could your family cope financially?
✅ If you couldn’t work for 6 months, could you still pay your mortgage?
✅ If the worst happened… would they be okay?

Nobody wants to think about it. I get it. But that discomfort lasts 5 minutes. The consequences of not planning? They last a lifetime.

As a mortgage and protection advisor, I help families make sure that whatever life throws at them, they’re covered. Not just with a policy, but with the RIGHT policy, properly explained, that actually pays out when it matters most.

If you’ve been meaning to sort your life insurance, critical illness cover or income protection and just haven’t got round to it yet, message me today. It costs nothing to have a chat.

Don’t leave it until it’s too late. 💛

📲 07540927103

04/06/2026

🏡 𝗙𝗜𝗥𝗦𝗧 𝗛𝗢𝗠𝗘 𝗙𝗨𝗡𝗗 𝗖𝗢𝗡𝗙𝗜𝗥𝗠𝗘𝗗 🏡

𝗙𝗶𝗿𝘀𝘁 𝗛𝗼𝗺𝗲 𝗙𝘂𝗻𝗱 • 𝗙𝗶𝗿𝘀𝘁-𝘁𝗶𝗺𝗲 𝗯𝘂𝘆𝗲𝗿𝘀

The Scottish Government has confirmed the return of the 𝗙𝗶𝗿𝘀𝘁 𝗛𝗼𝗺𝗲 𝗙𝘂𝗻𝗱 offering eligible first‑time buyers a £𝟭𝟬,𝟬𝟬𝟬 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 towards their deposit. 🔑

This support is designed to help first‑time buyers take that first step onto the property ladder by reducing the upfront costs of purchasing a home.

⭐ What this means for you ⭐️
🏴󠁧󠁢󠁳󠁣󠁴󠁿 £10,000 deposit contribution
🏴󠁧󠁢󠁳󠁣󠁴󠁿 Support for eligible first‑time buyers in Scotland
🏴󠁧󠁢󠁳󠁣󠁴󠁿 Helps make home ownership more affordable
🏴󠁧󠁢󠁳󠁣󠁴󠁿 Ideal for buyers saving for their first move

Full terms and eligibility are still being finalised, but demand is expected to be high, so now is a great time to get prepared.

If you’d like to get started, you can send your details over on WhatsApp and I’ll help you get ready for the launch.

📱 07540 927103

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS

03/06/2026

When was the last time you reviewed your protection?

Most people don’t realise they’re either overpaying, under‑covered, or missing something important altogether.

I’m offering short, no‑pressure protection reviews this week to help you understand:

• What you already have
• What’s missing
• Whether you’re paying the right amount
• What options fit your budget

DM CHECK to book your review.

27/05/2026

“Sort it later.”

We’ve all said it. But when it comes to life insurance, later can cost you more.

Getting it in place early means better options, better prices, and better peace of mind.

I offer completely free, no‑obligation advice so if you’re ready to get organised, pop me a message and I’ll book you in.

📲 07540927103

12/05/2026

🌟 If your insurance is more than a few years old, you need to read this… 🌟

I recently reviewed a clients critical illness cover that they’d taken out less than 5 years ago and honestly, the difference between their old policy and what’s available now was unbelievable.

For less than £4 extra per person, per month, here’s what changed:

• Full payout conditions — they jumped from being covered for 46 to 59
-• Additional payout conditions (including early‑stage cancers) — from 38 to 56
• Preferential conditions — from 5 to 36 🤯

That’s not a small tweak… that’s a completely different level of protection!

This is why reviews matter.
Just because you have insurance doesn’t mean it’s still the best thing for you today.

I will never recommend replacing a policy unless the new one is genuinely better and I can back it up with full comparison reports so you can see the difference for yourself.

If it’s been a while since yours was checked, it might be time.

A quick review could make a massive difference when you need it most.

📲 07540927103

12/05/2026

📢 Big news for First‑Time Buyers! 📢

A high street lender is launching a new low‑deposit mortgage option and it could help more people get onto the property ladder sooner than they thought.

If you’ve saved at least £5,000, you could now be eligible to buy your first home with a purchase price up to £300,000.
No minimum income. Employed or self‑employed.
And it comes with a 5‑year fixed rate and a free valuation.

If you’re thinking about buying your first home this year, now is a very good time to explore your options.

If you'd like to know if you qualify, get in touch and I'll run the figures for you.

📲 07540927103

07/05/2026

Your vote genuinely matters.
It’s one of the few moments where every single one of us gets the exact same power, the exact same voice, and the exact same chance to shape what comes next.

Even if it feels like “just one vote”, it’s one vote that only you can cast. Voting is one of the most meaningful ways we can influence the future of the place we call home.

Make it count. 🗳️

06/05/2026

If any of this hits home for you, it might be time to get things sorted:

💵🏦 Knowing your income is protected means you can breathe a little easier. Life throws things at us we never expect, having that safety net means you’re not facing it alone.

📑 Making sure your life insurance actually reflects your life now. We grow, our families grow, circumstances change… but policies don’t update themselves. You deserve cover that matches the life you’re living today, not the one you had years ago.

💊🦠 Understanding what you’re truly covered for. I’ve seen older policies that would barely touch the conditions people face now. It’s heartbreaking when someone thinks they’re protected and they’re not but it’s completely avoidable.

👧🏼👦🏻 Including your children on your policy so that if the worst ever happened, you could drop everything and be right beside them without worrying about money. That’s what protection is really about, being there when it matters most.

🩻🦴 A little financial cushion for broken bones, for you or the kids because even the small things can knock everything off balance. A lump sum can make those weeks a bit less stressful.

If you’ve already got something in place but you’re not sure it still fits, or if this has been sitting on your to‑do list for far too long, just give me a shout. My diary’s filling up over the next couple of months, so let’s get this sorted and give you that peace of mind you’ve been meaning to tick off. ✔️

📲 07540927103

01/05/2026

🚨The Bank of England has kept the base rate at 3.75% yesterday 🚨

Even though nothing has changed at the Bank, the mortgage market is still moving. Lenders have been adjusting rates recently, and we’re still seeing a fair bit of fluctuation.

Here’s what that means:

💸 Tracker mortgages – your payments stay the same for now.
🏦 Fixed rates – these don’t follow the base rate. They’re driven by swap rates and market expectations, which have been shifting.

The important bit:
A steady base rate doesn’t mean steady mortgage rates. We’ve actually seen quite a few increases recently, so timing really does matter.

This is one of those moments where acting at the right time can make a real difference to your long‑term costs.

If you want to chat through what this means for your own mortgage or your next move, I’m here to help you make a clear plan.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

29/04/2026

One of my clients stunning homes up for sale. Gorgeous walk in condition 😍

3 bedroom semi-detached house for sale in Cambridge Crescent, Airdrie, ML6 for £224,000. Marketed by RE/MAX Property Marketing Centre, Bellshill