Sarah Smith - Mortgage Advisor

15/10/2026

Pumpkin picking season is here! 🎃🍂

A little break from mortgages and a chance to enjoy some autumn fun! ☀️

Safe to say, the Minions were a highlight! 😂💛

Anyone else been pumpkin picking yet this year? 🎃

13/10/2026

When was the last time you properly stepped away for an afternoon?

I had a spa afternoon today — a Christmas present from my husband and daughter that I finally got round to using.

It was a good reminder that busy weeks need a break built into them, especially when everything else feels full. The mortgage market can feel the same: busy, noisy and constantly changing.

If your remortgage is due in the next six months, that is usually the point to start looking at what happens next, rather than waiting until it is urgent. A bit of time now can make the conversation much calmer later.

If your remortgage is coming up in the next six months, send me a message and we can look at what your options may be.

Your home may be repossessed if you do not keep up repayments on your mortgage

09/10/2026

Three years off socials can happen fast when life changes at home.

I stepped back from posting while I was on maternity leave after my little girl arrived in December 2023, then spent the next stretch getting used to the balance of work life and mum life. I have been posting sporadically but not as consistent as I would like.

So this is a simple hello again. I’ll be back sharing mortgage and protection content, along with the kind of useful updates that help make the process feel clearer and less overwhelming.

If there’s a topic you’d like me to cover, feel free to send it over.

"book a call", "get a clear plan", "lets review your options"

Your home may be repossessed if you do not keep up repayments on your mortgage

27/03/2026

Today I attended a business planning workshop, made some new connections with other local businesses and listened to an excellent, motivational speech by Frank Dick OBE.

This type of event is a first for me but I really enjoyed it and came away so energised and full of ideas 👍

26/03/2026

Protecting your future is just as important as finding a home.

A mortgage is a big commitment, and protecting it is vital. We don't just find you a loan; we help you secure your future with life cover, critical illness cover, and income protection. We explain these services plainly, matching them to your real-life risks and budget, so you have a safety net if life takes another unexpected turn.

06/03/2026

🌍 Why mortgage rates may be rising – and what it means for homeowners

Global events can have a direct impact on mortgage rates here in the UK. With the escalating conflict in the Middle East, financial markets have become more volatile. This uncertainty often pushes up the cost of funding for lenders, which can lead to mortgage rates increasing.

Over the past few days, we’ve already seen some lenders start to raise their rates, and others may follow if market conditions continue in the same direction.

🏡 What does this mean if your mortgage deal is ending soon?

If your current fixed-rate deal is due to end in the next 3–6 months, it may be worth considering securing a new mortgage product now.

Here’s why:

✔ You can often lock in a rate early – many lenders allow you to secure a deal up to 6 months in advance.
✔ Protection if rates rise further – reserving a rate now could protect you from additional increases.
✔ Flexibility if rates fall – in many cases, we can still switch you to a better deal before completion if rates improve.

💡 In uncertain markets, having a rate secured early can provide peace of mind and more control over your future payments.

If your deal is ending later this year and you’d like to explore your options, feel free to reach out for a quick review of what’s available. 📩

Your home may be repossessed if you do not keep up repayments on your mortgage.

13/02/2026

Jumping on the band wagon. Gary made the cut too.

19/12/2025

10/10/2025

Behind every good plan is peace of mind. 🧡

This World Mental Health Day, let's take a pause to care for what truly matters - our mental wellbeing.

At Mansfield Money, we believe feeling secure in your home and finances is a big part of that and to help you protect what's most important. 🏡✨

🫶 Take a moment to check in with yourself (and someone you care about) today! Talk to us today about peace of mind protection for your financial situation.

10/09/2025

Me and my team had a recent productive catch up with our Business Development Manager at TSB Bank. Discussing all things mortgages related including, rate updates and changes to their lending criteria.

Having contacts with each lender that we deal with, and staying ahead of the game means I can provide my clients with the best possible mortgage advice. 🙌 Whether you're purchasing your first or next dream home, but on the other hand looking to remortgage for a better rate, or borrow more from the equity of your property. 🏠✨

Are you thinking about your next big move for 2025? 💭

Contact me today and my team can help you find the right solution for your financial situation. 😇😁

If you have used our services previously with any of the Mansfield Money's past or current mortgage advisors, you may be entitled to our Refer A Friend voucher scheme. - Ask me for more information. 😊🧡
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE