Barbara Kidson Mortgage & Protection Adviser

28/01/2026

🏡 Delayed Start – a first-time buyer mortgage, built different.

Moving into your first home can be exciting… and expensive. That’s why a Delayed Start mortgage gives you a little breathing space when you need it most.

With no mortgage repayments for the first three months after you complete, you can focus on settling in, buying furniture and covering those early moving-in costs. (Interest does still build from day one.)

If you’re a first-time buyer, this mortgage can also be used for new build homes, and you may be able to apply with help from family using an Income Booster option. You’ll also have the flexibility to overpay by up to 10% each year if you want to reduce your balance sooner!

Buying your first home should feel exciting — not overwhelming. 💙



📩 Get in touch today to see if we can help 👩🏼‍💻📲 07842 756 887 or [email protected]







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.’

18/12/2025

📉 Bank of England Base Rate Update – Now 3.75%

The Bank of England has announced a reduction in the Base Rate to 3.75%.

👉 What does this mean?

• Variable / tracker rate customers:
If you’re on a variable or tracker rate, you may see your interest rate reduce, which could lower your monthly payments. The timing and amount will depend on your lender.

• Fixed rate customers:
There will be no immediate change to fixed rate mortgages or loans. Fixed rates are set independently of the Base Rate and are influenced by wider market conditions, so any future changes may take time to filter through.

💬 If you have questions about how this change could affect you, or want general information about your options, feel free to contact me.

ℹ️ This post is for information only and does not constitute financial advice. Individual circumstances vary, and you should seek personalised advice before making any financial decisions.

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you re-mortgage.

28/11/2025

🏠💡UK Budget 2025 & What it Means for Housing (Yep, it matters to you)

🏰 Big houses: if your home is worth over £2 million, from April 2028 you could be paying a new „mansion tax”-style surcharge on top of council tax - definitely one to watch if you are in that bracket.

🏘️Landlords: get a squeeze from 2027 with rental income tax rising 2% - which might put pressure on rents and margins.

💰No big shake-ups for stamp duty this time, so buying a standard home stays pretty much as -is.

🧰That’s my quick read of the Budget and how it might impact mortgages and the property market. No advice here - just sharing what stood out.👩🏼‍💻

19/04/2022

I’ve only gone and DONE IT 🍾🥂💪🏻💁🏼‍♀️👩🏼‍💻📚

Being a wife, mum of two and managing full time job isn’t easy. Trying to squeeze time to study was a real challenge. It required many late nights and weekends but it paid off!

I have qualified as a Mortgage Adviser almost 5 years ago and completely fell in love with what I do. It only felt right to push for more and this is where CeMAP Diploma qualification came in to play.

Advanced CeMAP Professionals hold the higher level CeMAP Diploma qualification and are therefore qualified at the higher level than the industry regulator requires and I’m very proud to be one of them!!!

07/07/2021

Beautiful gift of appreciation from one of my wonderful Clients! 💐

Thank you for letting me be part of your journey! 🏡🗝

Massive Congratulations on becoming a homeowner🍾🥂

09/10/2019

I don’t have 9 to 5.....I have a “from my first Client to my last Client”....
... and the last is just as important as the first!!!

18/02/2019

Very interesting statistics showing when people buy their first home 🏡🔑

Interesting read 👇🏻😉

https://www.bbc.co.uk/news/amp/business-47070020

Home ownership, what age people buy, and how much of their income is taken up by housing are revealed.

16/02/2019

Wow 100 Likes 👍🏻😱😍!!!

There is no better feeling in our profession then to feel appreciated and supported by so many!!!

Thank you!!! 💐

05/02/2019

Holloway Friendly one of the Protection Providers launched “How would you survive?” calculator.

We often don’t think what would happen if we weren’t able to work due to sudden accident or not expected illness. This tool has been design to show you how quickly you would run out of money should you be unable to work.

Don’t think that this couldn’t happen to you! Protect yourself!!!

Contact me NOW for FREE non obligatory consultation 👉🏻📱 07842 756 887.

Firma ubezpieczeniowa Holloway Friendly uruchomiła kalkulator "How would you survive?".

Często nie myślimy, co by się stało, gdybyśmy nie byli w stanie pracować z powodu nagłego wypadku lub nieprzewidzianej choroby. To narzędzie zostało zaprojektowane tak, aby pokazać, jak szybko skończyłyby Ci się pieniądze, gdybyś nie był w stanie pracować.

Nie myśl, że to nie może przydarzyć się Tobie! Zabezpiecz się!!!

Zadzwoń teraz aby umówić się na bezpłatną konsultację 👉🏻📱 07842 756 887.

This tool will show you just how long it would take before you run out of money, should you be unable to work.