Alison Stephenson Mortgage & Protection Adviser

18/10/2026

🏡 Could buying a home become simpler in the future?
The government is expected to publish guidance on digital property packs later this year, which could help make property information more accessible and improve the home-buying process.
But what does that actually mean for you as a homebuyer? 👀
This short video explains the basics of smart property data and how it could help make buying and selling homes more straightforward.
🎥 Whether you're a first-time buyer, thinking of moving, or simply curious about the future of the property market, it's well worth a watch!
👇 Watch the video here:
https://youtu.be/g4CZsAvNAAA

Around one in three home moves in England and Wales fall through. E...

15/10/2026

15/10/2026

23/09/2026

Not every mortgage journey starts with a perfect financial history.

Sometimes life happens, circumstances change, and you have to rebuild. What matters is where you are now — and what you can do next.

I loved helping this client navigate their situation honestly and without judgement, and helping them refinance their home. 🏡

No judgement. No false promises. Just an honest conversation about what’s possible and a plan to move forward.

If your financial history isn’t perfect, don’t automatically assume a mortgage is out of reach. ❤️

19/09/2026

09/09/2026

If you're having trouble getting to sleep 😴 give this a read.
It isnt exciting, but will get you off to a flying start with securing your mortgage!

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.