Kimberley Spencer - Mortgage and Protection Adviser at PFG Mortgages

02/06/2026

One of the nicest bits of feedback I receive as a mortgage adviser is that clients appreciate how invested I am in helping them through the mortgage process.
This week, some amazing clients sent me gifts for my commitment, attention to detail, and determination to get things over the line.
Fast forward to dinner this evening.
I had spents ages cooking from scratch, a meal for my crazy bunch, and my eldest daughter reviewed it with all the tact of a seasoned food critic:
"It's... interesting." 🙄
A pause.
An eye roll.
Then silence.
It's a good reminder that while clients may value dedication and effort, your children remain completely unimpressed by your household achievements.
Thankfully, mortgage applications don't tend to roll their eyes at me.

PFG Mortgages

19/05/2026

Life update: by day I help people find their perfect home and navigate the glamorous world of mortgages. By night, my lop-eared dwarf rabbit Reggie — Reginald when he’s facing formal complaints — has decided our garden no longer suits his lifestyle and has borrowed an enormous escape tunnel to somewhere more desirable. Thankfully my hysterical eldest caught him before he went full Great Escape 🙄 🐇

Honestly, he only needed to ask. I literally help people move house for a living! 😆😳 Do not be fooled by his cute face, hes in trouble! PFG Mortgages

27/04/2026

I am beyond proud of my husband for running the London Marathon — what an incredible achievement. The months of early mornings, long runs, and pure determination all led to that finish line, and watching him cross it was such an emotional moment. He’s honestly inspired me more than he probably realises 🏃‍♂️✨

It is so important to keep going, even when things feel tough or uncertain — and that applies to so many parts of life right now.
In my day-to-day work as a mortgage adviser, I’m speaking to so many people who are feeling unsure about mortgage rates and what’s happening with the economy. It can feel overwhelming, and sometimes just having a chat with someone can make all the difference.
If you’re worried, confused, or just want to understand your options a bit better, please don’t hesitate to reach out. No pressure at all — just a friendly conversation when you need it 🤍 PFG Mortgages

18/04/2026

Pretty sure I embarrassed myself trying to pull the sword from the stone on holiday… turns out I’m not royalty after all 🤦‍♂️😂, ( I am however the Queen of my own castle)
The kids weren’t impressed either — although to be fair, they were far more interested in eating their body weight in gelato while we wandered around Venice!
It did get me thinking though…
With everything going on at the moment — rising interest rates, the news, all the uncertainty — it’s easy to get caught up in the stress of it all (trust me, I see it every day at work).
But really, it’s these moments that matter: Family time, holidays, laughter, making memories.
The rest? It’s important… but it’s there to support the life you actually want to live.

I might not be able to pull swords out of stones, but I can help you make sense of your mortgage, plan ahead, and keep things on track so you can focus on the moments that actually matter.

If you’ve been wondering what all these rate changes mean for you, drop me a message, there's always a plan forward PFG Mortgages

12/04/2026

👀 Keep an eye out— PFG Mortgages we’re in Soldier Magazine!
If you spot our advert, that’s us doing what we do best: helping the Armed Forces community get their mortgages sorted 🏡
I know military life isn’t “standard”—so why should your mortgage be?
Postings, deployments, and unique pay structures can make things tricky, but that’s exactly why we’re here. We specialise in helping service personnel and their families find the right mortgage without the usual stress.
So whether you're dreaming of your first home, moving on, or just want better advice—we’ve got your back.
Seen the advert? Let us know! 👇

12/02/2026

If your fixed rate is ending in six months, this is for you.
Right now, it’s a secure now, switch later market.
If your mortgage deal expires in the next 3–6 months, you don’t need to sit and hope rates fall.
You can:
✅ Secure a new rate now
✅ Protect yourself from increases
✅ Monitor the market
✅ Switch to a lower rate before your new deal starts (if rates improve)

Most lenders allow you to lock in a rate ahead of your current deal ending.
That means you’ve got a safety net in place.
If rates go up? You’re covered.
If rates come down? We review and switch.
It’s about being proactive — not reactive.
If your deal ends this year and you haven’t reviewed your options yet, now’s the time.

Drop me a message and I’ll check what you could secure today PFG Mortgages

31/01/2026

Some of you may know that my husband is currently training for the London Marathon, running in support of the Heads Up charity 💙
As a veteran myself, this cause is incredibly close to my heart. Heads Up does amazing work supporting the mental health and wellbeing of our armed forces community, and through my work as a mortgage adviser I’m proud to support a large number of forces personnel, helping guide them through the home-buying process.
My husband has taken on this huge challenge to give something back. Training hasn’t been easy, but every mile he runs is for a cause that means so much to both of us.
If you’re able to donate, share, or simply show your support, it would be hugely appreciated. Thank you 💙🏃‍♂️

Help Edward Spencer raise money to support Head Up Charity

09/01/2026

Exactly why I love my job 😊, there is always a way! PFG Mortgages

02/12/2025

So excited!!😆

28/11/2025

🌟 Reeves’ Budget & What It Means for Families Thinking About Buying a Home 🌟

With the latest budget announcements from Reeves still settling in, many families are taking a fresh look at their finances — especially those thinking about taking the next step onto (or up) the property ladder.

One message is clearer than ever: your home should support your life, not stretch it to breaking point.

In a world where costs can shift quickly, purchasing a property that fits comfortably within your family budget means you can keep doing the things that truly matter — holidays, weekend sports, family days out, hobbies, pretending your a giraffe 🦒 and those little moments that make life full.

That’s where the right mortgage adviser becomes invaluable PFG Mortgages

💡 A great adviser doesn’t just find you a mortgage.
They help you understand what’s sustainable.
They work through your real lifestyle costs.
They show you what “affordable” looks like for your family — not just what a calculator says you can borrow.

With the right guidance, you can secure a home that gives you stability without sacrificing the life you love.

If you’re thinking about buying but want to feel confident that your finances (and your family time!) stay protected, now is a perfect moment to get in touch.

🏡 Your home should work for your life — not the other way round.