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.👩🏼‍💻

14/06/2023

Please let me know if you would like to come for a visit 🤩

MEMBER MONDAY!

This week meet Barbara who holds the Mortgage Advisor seat at BNI Rutland. Barbara fulfils a very important role in the chapter as Education Co-ordinator, ensuring there is a short slot each week to support members in achieving their goals.
Whether your business is dealing with the public like Barbara or is more focussed on B2B there could be a place for you in BNI Rutland to grow that business further. Why not come along one Friday and find out how.

12/05/2023

Whole of Market

You may hear this term a lot, but what does it actually mean? 🤔

I have access to the comprehensive range of mortgages from across the market. Plus access to exclusive lenders, along with others who only offer products through intermediaries.🤓👩🏼‍💻

I am a whole of market adviser focused on delivering service and results. Call me on 07842 756 887 📲



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

Orchid Financial Services Ltd is an appointed representative of Corbel Partners Limited who are authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales. Registered office is Thorney Lakes Golf Centre, English Drove, Thorney, Peterborough, Cambridgeshire, PE6 0TJ. Registered Number: 05509898

28/04/2023

Saving theme continues…🤓💰

At today’s BNI Rutland I was discussing the Lifetime ISA (also known as LISA).

This is product designed by the government to help purchase your first home 🏡 or save towards retirement.

LISA can be opened by anyone age between 18 and 39.

With a Lifetime ISA, you can pay in up to £4,000 per year and you get a 25% government bonus on all savings. That means for every £4 you save; you get £1 for free. If you pay in the maximum £4,000, you will receive a £1,000 bonus.

Over time, these bonuses could give real head start.

You can use the savings to buy your first home at least 12 months after you make your first payment into the LISA.

Get in touch to get started! 📲👩🏼‍💻

Please give me a call to book a free consultation.

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

Orchid Financial Services Ltd is an appointed representative of Corbel Partners Limited who are authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales. Registered office is Thorney Lakes Golf Centre, English Drove, Thorney, Peterborough, Cambridgeshire, PE6 0TJ. Registered Number: 05509898

21/04/2023

Every Friday on my way to BNI Rutland I stop at Uppingham to get my weekly treat, Costa flat white with coconut milk. Today, whilst in the queue I overheard someone say that Benjamin Franklin once said “a small leak will sink a great ship”🚢 this was relating to something else BUT…

…this led me to think how true this is financially!💰

Saving the deposit for a new home might seem like a real uphil struggle.🏡😰

People worry about trying to deposit thousands of pounds,💷💷💷 but £1,000 is a collection of 1000 separate pound coins! So maybe focus 🤩more on saving a few single pounds at the time?

For example if you gave up Costa flat white with coconut milk ☕️ every week, that would be a saving of £3.15. Over the course of a month, you’d have saved £12.60 and by the end of the year, you’d have £163.80 more that you would have had.

That’s just by giving up a coffee a week.

What small expenses could you give up that would build up your deposit quicker?

Please give me a call to book a free consultation.

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

Orchid Financial Services Ltd is an appointed representative of Corbel Partners Limited who are authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales. Registered office is Thorney Lakes Golf Centre, English Drove, Thorney, Peterborough, Cambridgeshire, PE6 0TJ. Registered Number: 05509898