Fylde Mortgages and Protection

Fylde Mortgages and Protection Mortgages | Protection | Equity Release
📍 Lytham based, cover whole of UK 📞📧
Personalised service 👩🏼‍💻

03/09/2026

47 tabs open, three mortgage calculators and somehow you’re MORE confused than when you started, am I right? 😂

Sometimes you don’t need more Googling!! You just need a proper chat with someone who can tell you where you actually stand.

You might be ready now or you might need 6 months. Either way, you’ll leave knowing what your next step is 🏡

No judgement and no crazy mortgage jargon. A chat, a plan and hopefully a lot fewer tabs open 😂

Thinking about buying, moving or remortgaging? Drop me a message!

A few more things you might not know about me (or you might 😂) 🚒 On-call firefighter🔥 22 years’ mortgage experience🚒 Lic...
28/08/2026

A few more things you might not know about me (or you might 😂)

🚒 On-call firefighter
🔥 22 years’ mortgage experience
🚒 Licensed to drive an actual FIRE ENGINE (still quite proud of that one)
💗 Lover of all things pink
🥂 Prosecco Queen
🧘‍♀️ Slightly addicted to Pilates
🏡 And, of course, mortgage adviser!

And yes… that enormous planter I’m holding in this photo? Won it in a raffle at Clifton Arms Hotel - Luxury Hotel & Wedding Venue and was absolutely delighted with myself!

Less delightful was the moment my lift arrived and we had to work out how the heck we were getting it home 😂😂

Basically, I’m a normal (ish 🤣) person who happens to know an awful lot about mortgages, so if the thought of speaking to a mortgage adviser feels a bit daunting, please don’t let it. There are no silly questions, you don’t need to know the mortgage lingo and you definitely don’t need to have everything figured out before you message me.

First home, moving house, remortgaging, wondering what you could borrow or just thinking “Amanda, I haven’t got a clue where to start”… that’s literally what I’m here for.

Come and have a chat. I promise I’m very easy to talk to … just maybe don’t ask me to transport any large garden accessories 😂💗

25/08/2026

Please …. step away from the car finance 😂

You’ve got your mortgage application in, things are moving nicely and then suddenly that shiny new car starts looking very tempting…

But taking out new finance, changing your credit commitments or making any big financial moves while your mortgage is going through can affect your application.

Basically, until those keys are safely in your hand… maybe don’t give your mortgage adviser any unnecessary heart palpitations 😂

See something you want to buy? Drop me a message first. I’d much rather you ask the question than have to unpick it afterwards!

MortgageApplication

Sunday plans: Pilates, prosecco, and probably still replying to your texts, because I don't really do a 9–5. Which means...
23/08/2026

Sunday plans: Pilates, prosecco, and probably still replying to your texts, because I don't really do a 9–5.

Which means no set hours and no rigid appointments - if the kids are finally in bed and you want to talk mortgages, text me and I'll call when I'm free 👌

That's genuinely the whole system!

Weekend scrolling through Rightmove? 👀 Quick one before you do: do you actually know how much deposit you need for what ...
22/08/2026

Weekend scrolling through Rightmove? 👀

Quick one before you do: do you actually know how much deposit you need for what you want to buy? Sounds like common sense right but there's more than one route in.

100%, 98%, 95%, even schemes built around a flat £5k or 5% deposit. It's never too early to find out which one's yours, and it costs you nothing to ask until we're ready to actually put an application in so why not?

What's app? 💬

Friday coffee (white, obviously ☕) and a phone that hasn't stopped since 8am. I'm not complaining - this is genuinely my...
21/08/2026

Friday coffee (white, obviously ☕) and a phone that hasn't stopped since 8am.
I'm not complaining - this is genuinely my favourite kind of busy!

If you've got mortgage questions rattling round your head for the weekend, now's a good time to send them over before I clock off... except I don't really do that either let's be honest 😆

Happy Friday 💗

Being an on-call firefighter doesn't mean your application goes on hold. If you've followed me for a while, you'll know ...
20/08/2026

Being an on-call firefighter doesn't mean your application goes on hold.

If you've followed me for a while, you'll know I don't do half a job, on shift or off it 😆

While all that's going on, I'm also proving that a bank's "no" is about their criteria and not about you!

If you've been turned down before, that's not the end of the story, text me and let's find out what actually happened 🔎

Let's bust a couple of myths while I've got you. Using a broker doesn't cost you - good ones save you more than they cha...
19/08/2026

Let's bust a couple of myths while I've got you.

Using a broker doesn't cost you - good ones save you more than they charge 🙌
And a Decision in Principle isn't a life sentence with one lender, whatever anyone's told you.

Swipe through, then send me your questions, I promise I don't bite (I do drive a fire engine though 😆)

Ok so it's been a minute 🙈 In my defence I've been busy being an on-call firefighter, doing questionable amounts of Pila...
17/08/2026

Ok so it's been a minute 🙈

In my defence I've been busy being an on-call firefighter, doing questionable amounts of Pilates, and quietly getting people mortgages when their own bank said no.

Normal service resumes now. If your mortgage deal is coming to an end, you've been saving without a clue what you're actually saving for, or a bank's already told you no - drop me a text, I'm about to be very present in your DMs again 😆💗

08/05/2026

Let’s talk about gambling! 💷 Despite what people think, some gambling is ok. ✅ There is a huge difference between putting a few bets on your favourite football team at the weekend and excessive, repetitive bets on online slots.

What is acceptable?

💰 Infrequent betting that doesn’t look like an addiction. Bet on the football every Saturday with your mates? No problem!
💰 relatively small amounts spent that don’t constitute a monthly commitment and therefore affect your ability to pay a mortgage.

What isn’t acceptable?

❌ multiple daily transactions on betting sites. Casino slots are the main culprit here.
❌ ‘but I win a lot’ … winnings cannot be taken into account as an income or ‘cancel out’ the amount spent.
❌ large amounts spent that would need to be taken into consideration as a monthly commitment and therefore affect the borrowing amount.

Remember lenders want bank statements for up to 3 months and a mortgage broker will generally ask for 4 months!

Another reason why getting your mortgage in place as early as possible or at least having early ‘feasibility’ checks is so beneficial! 🤝





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