Sonia Featherstone - Mortgage & Protection Advisor

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Sonia Featherstone - Mortgage & Protection Advisor

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Fulcrum Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd.

I am a Self Employed Mortgage & Protection Adviser & Broker at Fulcrum Financial Ltd, providing friendly and expert advice on Mortgages, Life Insurance, Critical Illness and Income Protection. First Complete Ltd is a authorised and regulated by the Financial Conduct Authority. Fulcrum Financial is a trading name of Fulcrum Financial Ltd which is registered in England and Wales with a company number of 10836277. Registered Office 27 High Petergate, York, YO1 7HP. We will charge a broker fee of between £395 and £975. The amount we charge is dependant o the amount of research and administration that is required. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

31/10/2026

🎃 No tricks, just great mortgage advice.
�Whether you're buying your first home, remortgaging, or investing in property, I am here to help. 🏡👻

☎️: 07738727244
Email: [email protected]

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

29/10/2026

Some good news to help First Time Buyers buy their first home has been announced this week.

🏡 Be a first-time buyer who is buying a home in England.

🏡 Be buying a new-build home.
Be intending to live in the property.
Have an income of no more than £110,000 per household outside of London, or £140,000 per household inside of London.

🏡 Have a deposit of at least 2.5% of the property price, but no more than 15%.

🏡 Meet the local area property price cap. (These price caps will be set out in full over the coming weeks,

🏡 The housing developer will need to be part of the scheme and you will need a mortgage lender who will also be part of the scheme.

🏡 you can register for the scheme in December and it is expected to start in December 2027.

Is this scheme going to be right for you? As always, I’m here to give you tailored advice on your personal circumstances and requirements.

☎️: 07738727244
📧: [email protected]

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

23/10/2026

I love a phone call to a client on a Friday afternoon to tell them their mortgage has been agreed. 🎉

This client had been dealing with a different mortgage broker and had their mortgage application previously declined, which was quite stressful for them as they really wanted the house 🏡

I spent a bit of time working with the client and found the right Mortgage Lender for them, it was still a high street mortgage lender so still a competitive interest rate.

All Mortgage Lenders have different criteria, it’s about finding the right Mortgage Lender for you, to help you achieve your dreams.

☎️: 07738727244
📧: [email protected]

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

21/10/2026

Did you watch Martin Lewis last night, about Mortgages. 🏡

I think Martin is great and helps so many people but he also crams so much into his show and talks so fast, it’s hard to keep up.

Every conversation I have with my clients is different, because you all have different circumstances, needs and requirements.

This week I’ve recommended a variable rate tracker, a 2 year fixed and a 5 year fixed as just one product is not right for everyone.

I’m here to talk about and give advice about YOUR personal circumstances and YOUR personal requirements.

So if you would like some jargon free advice, whether it’s about your existing mortgage or a house you are thinking about buying then get in touch and we can have a chat about your needs, at a time that is convenient to you.

☎️: 07738727244
📧: [email protected]

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

20/10/2026

Who’s watching ??

17/10/2026

When is the best time to buy your new home? 🏡

Are you waiting for interest rates to plummet or house prices to take a fall, if you are trying to ‘time the market’ you could be waiting forever……who knows 🤔

We are now living in consistently uncertain times, so many factors affect interest rates, cost of living, house prices etc even the Economists find if difficult to predict the long term.

Mortgage interest rates will always fluctuate over the term of your mortgage as you generally have a mortgage for 25 to 40 years.

Stop guessing the market and start planning your move 🏡

It is never too early for us to have a free, no obligation chat, to get you mortgage ready for when you find your dream home, so you can move quickly.

☎️: 07738727244
📧: [email protected]

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

27/09/2026

Good news for First Time Buyers 🏡

The government has yesterday (Saturday 26 September 2026) announced a new equity loan scheme - Your First Home - in England will be confirmed at next month’s Budget, to support more people into homeownership.

This is expected to support 2.5% deposits, backed by 20% government-backed equity loans, for prospective first-time buyers purchasing a new-build property from a developer signed up to the scheme.

People will be able to access equity loans with an initial interest free period, meaning that those who use the scheme could save hundreds of pounds per month compared to a 95% mortgage.

The Your First Home scheme will help tackle the deposit barrier for first-time buyers who would be unable to afford their first home otherwise, building on the government’s existing work to help more young people and families onto the housing ladder. The scheme will also set a household income cap with local property price caps to further ensure support is targeted at those who need it, the detail of which will be set out at Budget.

☎️: 07738727244
📧: [email protected]

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

26/09/2026

Why Use a Mortgage & Protection Broker? 🏡🔑

✅ Accessing a wide range of mortgage lenders & protection providers�✅ Finding solutions tailored to your individual circumstances�✅ Saving you time by doing the research and comparisons for you

Why use me…

I joined the industry 35 years ago!! Not only do I have the qualifications but I have life experience too, this gives me understanding of any situation you are in, buying a home isn’t always a happy time, sometimes it’s due to separation or bereavement and can be incredibly difficult.
�✅ I Explain everything in plain English, with no jargon�✅ Supporting you from application through to completion and beyond
✅ I’m available at times that suit you and I will go at your pace, it’s never too early to speak to me

Whether you're a first-time buyer, moving home, remortgaging, or reviewing your protection needs, expert advice can make the process smoother and less stressful.

The right mortgage gets you into your home. The right protection helps you stay there.

☎️: 07738727244
📧: [email protected]

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

18/09/2026

Yesterday the Bank of England voted to hold the Bank of England base interest rate at 3.75%, this is brilliant news for anyone on a mortgage tracker rate.

If you are due to come off your fixed rate in the coming 6 months, it is likely your fixed rate is lower than current fixed rates now.

Now is the time for us to have a chat, it depends on your circumstances and requirements as to what to do next, stay with your lender or move to a different one to achieve a better deal 🤷‍♀️ we can lock in now.

Let me give you some advice and I can get this sorted for you.

☎️ : 07738727244
📧: [email protected]

Your home is at risk if you do not keep up your repayments

Address

Pocklington

Telephone

+447738727244

Website

http://www.fulcrumfinancial.co.uk/

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