Alison Stephenson Mortgage & Protection Adviser

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Alison Stephenson Mortgage & Protection Adviser

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01/09/2026

I have the best clients ☺️

31/08/2026

Things I used to get in trouble for at school… that actually make me a good mortgage adviser 👀

😂 “You ask FAR too many questions.”
Yep. Still do.
I want to know the why, the what if and the what happens next?
Because the more I understand about your circumstances, the better I can match you with the right mortgage.

🙄 “You don’t take no for an answer.”
Well… not quite.
If one lender says no, I want to know why.
Is there another lender who might say yes?
Is there something we can do differently?
Is there another route?
If there’s a way to find you a deal, I’ll look for it — and I’ll fight your corner"

🔎 “You’re far too nosy.”
Turns out, being naturally curious is pretty useful when you're trying to understand someone’s finances, plans and circumstances!

📋 “You’re a bit of a perfectionist.”
I like things done properly. Mortgage applications are a lot less stressful when the details are right first time.

💬 “You talk too much.”
Okay… this one might still be true 😂
But I’d rather explain something twice than have a client leave a conversation not understanding what they're agreeing to.

So maybe I wasn’t actually that annoying…
Maybe I was just training to be a mortgage adviser. 😉

26/08/2026

🏚️ Found the right investment property… but it isn't mortgageable yet?
This is where bridging finance can be a really useful tool for property investors.
🔨 Purchase + refurbish
If a property is missing a kitchen or bathroom, or needs substantial work, a bridge can potentially fund the purchase and refurbishment — turning an uninhabitable property into one that meets BTL lending criteria.
📈 Add value, then refinance
Once the work is complete, you can potentially refinance onto a longer-term BTL mortgage — having increased the property's value along the way.
⏳ Need more time on a development?
If a project has been delayed and existing finance is coming to an end, bridging can potentially provide breathing space while you arrange your longer-term exit.
The key isn't just “Can I get a bridge?”
It's “What's my exit strategy, and do the numbers stack up?”

If you've found a property that doesn't fit the standard mortgage box, let's talk.
Unregulated bridging finance. Subject to lender criteria, status and affordability. Terms and conditions apply.

24/08/2026

Things I hear as a mortgage adviser....

"I don't think I earn enough.” 💷
Let's actually run the numbers.
You might be surprised what a lender could potentially offer.

“My deposit isn't big enough.” 🏠
There are mortgages available with smaller deposits.
The right option depends on your circumstances.

“I've got some credit history issues.” 🤦‍♀️
Don't automatically assume that's the end of the conversation.
Different lenders have different criteria.

“I'm self-employed.” 💻
That doesn't automatically mean you can't get a mortgage.
It's about understanding your income and finding the right lender.

Don't rule yourself out before you've asked. 👀
Your income, deposit, commitments, credit history, employment and the property you're buying can all affect what's possible.

You might be more mortgageable than you think. 🏡
Newcastle & North East based
Mortgages • Protection • Remortgages
DM me for a chat 📩

23/08/2026

Sunday night Rightmove scrolling… 👀
Anyone else?
You start off thinking “I'll just have a quick look…”
And 45 minutes later you've mentally moved into a £1.2m house you've never even viewed. 😂
We all have a picture in our heads of what our dream home looks like.
Maybe it's a coastal cottage. 🌊
Maybe it's a country house with acres of land. 🌿
Maybe it's a seriously cool piece of architecture. 🏡
Or maybe it's simply a home that gives your family a little more space.
And here's the thing…
You don't have to know whether your dream home is actually achievable before you start looking.
That's where I come in.
I can help you understand what you could potentially borrow, what your options are and what you could realistically afford — so you can stop wondering “could we?” and start working out “how?”
So go on…
What's your dream home? 👇

10/08/2026

Tell me what you do for a living without actually telling me....

I spend my days asking slightly intrusive questions about your income—what you earn, owe, and where it goes.

I check bank statements, payslips, and spending habits like a financial detective.

Then I disappear into confidential systems 🕵🏼‍♀️, working behind the scenes.

A few days later: either “we have a deal” or “the lender needs more info” 😂

I can’t say exactly what I do… it’s basically classified.

But if you’re buying, moving, remortgaging or investing, I help unlock funding 💰 (completely legal 😉). You’ll probably want to know me. 😉🏡

28/07/2026

A fantastic week celebrating 🍾 a big birthday 🎂 in our house, and a few days away to mark the beginning of the summer holidays. This week has been all about . With a sprinkling of helping clients secure their homes and protecting their future. It's all about balance ⚖️

18/07/2026

Always gives me the feel goods to know my clients are happy with my service ☺️

06/07/2026

I had a chat with a good friend of mine recently about no longer having protection in place now her mortgage has been paid off. A common scenario. Mortgage payments in UK households typically make up 25-35% of household expenditure. Lets look at protecting everything else in the event that you're unable to continue to work. The pension contributions, groceries, kids clubs, transport, holidays, gym memberships etc...

29/06/2026

Have you ever thought about what would happen if illness or injury stopped you from working?

We often insure our phones, pets and holidays — but what about the income that pays for everything else?

📊 2 in 5 Brits (39%) have £1,000 or less in savings, and around 1 in 6 adults have no savings at all.

So ask yourself...

If your income stopped tomorrow, how long could your savings cover your bills?

This is where Income Protection can help.

✅ It pays a monthly income if you're unable to work because of illness or injury.✅ It can help cover essential bills such as your mortgage, rent, utilities and food.✅ Payments can continue until you recover, the policy ends, or you retire — depending on the cover you choose.

And it isn't just for people in dangerous jobs. Many claims are for everyday conditions like back problems, mental health conditions and cancer.

The younger and healthier you are when you take out cover, the more affordable it can be.

Income protection isn't about expecting the worst — it's about giving you and your family a financial safety net if the unexpected happens.

💬 Could your household cope if your income stopped for 3, 6 or even 12 months?

If you'd like to understand how income protection works, or whether it could be right for you, send me a message.

Address

Newcastle Upon Tyne
NE4

Telephone

+447791393212

Website

http://www.premiermortgageassociates.co.uk/

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