The Mortgage Mam - Sara Laws

03/11/2026

The Mortgage Mam's Mam has now retired!

My lovely mam has just retired, so it's a really exciting time for her!

But retirement can also bring a few worries, particularly around money, maintaining the lifestyle you enjoy and making sure you can afford to enjoy this next chapter.

My mam is excited about retirement, but like many people, she's also a little nervous about the financial impact.

The good thing is that, as a homeowner, she has options. One of those could be releasing some money from her property to help fund her retirement, should she choose to.

So, here's a question for you...
Do you have a parent who's approaching retirement or already retired, who could do with a friendly chat about their options?

Perhaps they're worried about making their pension stretch, maintaining their lifestyle or simply having a little more financial freedom.

I'd be more than happy to have that conversation, whether it's with you, your parents or the whole family

Sometimes it helps just knowing what options are available.

Feel free to pop me a message to a arrange a chat

Proud to support National Children's Air Ambulance



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.

30/10/2026

Half term… are you sorting through the kids’ toys? Having a clear-out of the coat cupboard?

While you’re at it, why not dig out your insurance papers and have a little look at what cover you’ve actually got in place?

If you’re not sure what you need or you want to review your existing cover, give me a shout. I’m always happy to help! 😊

Proud to support National Children's Air Ambulance

28/10/2026

My new website is LIVE!

I’m so excited to share my new website

Pop over to have a look, find out more about the services I offer and get to know a little more about me and The Mortgage Mam.

👉 www.themortgagemam.co.uk

You can also sign up for my monthly newsletter to keep up to date with mortgage news, useful tips and advice.

Thank you for all your support — it means so much!

A big shout out and Thank you to Jason Newcrest Digital for helping me get this up and running, your amazing 😊

Mortgage Mam

Proud to Support the National Children’s Air Ambulance 💚

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

23/10/2026

The to-do list!

If life insurance, income protection or critical illness cover has been on your mind, why not make it one of the things you get sorted this week?

Imagine how good it will feel when it’s done — one less thing on that very long to-do list!

I offer free protection reviews to help you understand what cover you might need or review your existing cover and check whether it still meets your needs.

Pop me a message if you’d like a chat.

Proud to Support National Children's Air Ambulance

19/10/2026

YOUR HOME COULD HOLD MORE POSSIBILITIES THAN YOU THINK…

Have you ever wondered whether the value tied up in your home could help you enjoy retirement a little more?

Perhaps you'd love to make some home improvements, help your children or grandchildren financially, clear an existing mortgage or simply have a little more financial breathing space.

For some homeowners aged 55 and over, equity release could be one option worth exploring.

But it's not right for everyone, and it's important to understand how it could affect your finances, benefits, inheritance and future plans.

As a later-life lending specialisr, I take the time to understand what's important to you, explain the options available and help you make an informed decision — with no pressure.

I'm Sara, The Mortgage Mam - Mortgages for all ages, all stages.

If you'd like a friendly chat about your options, pop me a message. I'd be happy to help.

Proud to support@National Children's Air Ambulance



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.

15/10/2026

Very interesting read important to note if you are considering a tracker please get advice and estimates of what your repayments would increase to if rates increase

With sub-5% fixed deals rapidly vanishing, tracker mortgages have offered the cheapest borrowing since March. But with economists forecasting potential base rate hikes ahead, does choosing a tracker still make financial sense if you're remortgaging?

14/10/2026

WHY USE A MORTGAGE ADVISOR? THIS IS WHY!

Ive helped a new client this week with a 5% deposit, gifted from a non-family member, AND starting a new job this month.

Where do you even begin?

Well, out of around 75 lenders, I've identified just 2 potential lenders who may consider this client's circumstances!

❌ That means 73 potential rejections if you approach the wrong lenders.

✅ This is where an experienced mortgage adviser makes a difference!

With 18 years of experience in financial services, I understand that every lender has different criteria. Knowing which lenders to approach, and when, can save you time, stress and unnecessary disappointment.

My job isn't just to find you a mortgage rate. It's about understanding YOUR circumstances, researching the right options and guiding you through the process, step by step.

Whether you're a first-time buyer, moving home, remortgaging or facing a more complicated situation, don't assume you won't get a mortgage before you've explored your options!

I'm Sara, The Mortgage Mam - Mortgages for all ages, all stages.

Get in touch for a friendly, no-obligation chat. I'd love to help!

Proud to support National Children's Air Ambulance helping raise awareness of the incredible work they do

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

09/10/2026

Friday - Gym or cuppa and a book?

I’m choosing… cuppa and a book!

It’s been a really busy week, helping 3 first-time buyer couples as well as having some lovely chats with clients who are considering equity release

If you need a friendly person to chat through your plans with, The Mortgage Mam is always happy to help

The Mortgage Mam – mortgages for all stages and all ages.

💙 Proud to support National Children's Air Ambulance

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

07/10/2026

Your family depends on you. ❤️

When I’m arranging a mortgage, I have those important conversations about how they could protect themselves and their families if life doesn't go to plan.

But something has been on my mind…

There are so many people who rent their home who never get the opportunity to sit down with an adviser and have that conversation, honestly, that worries me.

Your income is still one of the most important things you have, whether you own your home, rent it, or even live with family

If you became ill and were unable to work for a period of time:
💚 Who would pay the rent?
💚 Who would pay the bills?
💚 How would you keep the kids' activities going?
💚 What about the car, the pets and all those everyday living costs?
💚 how would you keep your family life going without your income?

Income protection could be something worth considering.

You don't need to have a mortgage to protect your income.

So, if you're renting, living with family, or just have never had the opportunity to sit down and talk through your options, please feel free to pop me a message.

just a friendly chat about what options might be available to you.

Proud to support National Children's Air Ambulance

03/10/2026

Gorgeous family home