Debbie Sidwell - Mallard Mortgages

09/03/2026

Mortgage Rate Update 📊

Due to recent global events, there has been some increased movement in the financial markets, which can affect mortgage interest rates.

Lenders base many of their fixed mortgage rates on what are known as swap rates, and these have been a little more volatile than usual recently. Because of this, some lenders may increase their mortgage rates or change products with shorter notice than normal.

If you’re:
• Thinking about buying a home
• Looking to remortgage
• Wanting to secure a rate before your current deal ends
…it may be worth reviewing your options sooner rather than later, as current rates may not always be available for long!

If you'd like to discuss your mortgage options or secure a rate, feel free to get in touch. I’m always happy to help.

📩 Message me directly
📞 07960956864
📧 [email protected]

05/02/2026

📢 Bank of England Holds Base Rate! Good News for Mortgage Borrowers!

The Bank of England has today decided to hold the base rate, bringing some welcome stability to the mortgage market.
So what does this mean for you? 👇

🏡 For fixed-rate borrowers:
Your monthly payments stay the same, giving you peace of mind and certainty.
📉 For those looking to remortgage or buy:
Holding the base rate helps keep lender confidence strong and can support competitive mortgage deals.
💬 For tracker and variable rate borrowers:
Your rate remains unchanged, no surprise increases this month.

Overall, this decision helps calm the market and keeps borrowing costs from rising further, which is great news for homeowners and buyers alike.

If you’re thinking about buying, remortgaging, or just want to know how this affects your mortgage, feel free to get in touch. I’m happy to help 🏠✨

📩 [email protected]
📞 07960 956864

26/01/2026

If you could move anywhere tomorrow, where would it be? 🏡✨

Beachside? Countryside? Somewhere with a bit more space (and a bigger kitchen!)?
I help people turn those ideas into real mortgage approvals every day!

Let’s have a little fun, comment below with your dream location! 👇
Who knows, I might be able to help you start making it a reality sooner than you think!

📩 [email protected]
📞 07960 956864

31/12/2025

🎉 Happy New Year! 🎉

As we step into a brand-new year, I want to say a huge thank you to all my clients, partners, friends and followers for your continued trust and support. 🏡💙

Whether 2026 brings your first home, a move, a remortgage, or simply the goal of getting your finances in the best shape possible, I’m here to guide you every step of the way.

Here’s to new beginnings, fresh opportunities and making property goals happen this year 🥂✨

If home ownership or better mortgage options are on your list for the year ahead, feel free to get in touch! I’d love to help.



📧 [email protected]
📞 07960 956864

18/12/2025

📉 Bank of England cuts interest rates to 3.75%
The lowest level since early 2023.

So what does this mean for mortgage borrowers? 👇

🔒 Fixed-rate mortgages
If you’re currently on a fixed-rate deal, your monthly payments won’t change, your rate is locked in for the length of your deal.
However, this base rate cut may influence the rates lenders offer on new fixed-rate mortgages, including applications already in progress.

📊 Variable-rate mortgages
If you’re on a variable-rate mortgage with a lender that follows the base rate, you could see a reduction in your monthly payments.
The exact saving will depend on your lender and product.

📈 Tracker mortgages
Tracker mortgage holders will benefit directly, as their rate moves in line with the base rate, meaning lower monthly payments following this cut.

💬 Not sure what this means for you?
Whether you’re reviewing your current deal or planning your next move, I’m here to help.

📞 Call/Text: 07960 956864
📧 Email: [email protected]
💻 Message me directly here on Facebook

17/12/2025

Tired of being told “no” just because you’re self-employed? 🚫
You’re definitely not alone and you’re not out of options 💪

I specialise in securing mortgages for people whose income doesn’t fit the standard tick-box criteria 🧩
I know exactly how to navigate the system for:

• Sole traders
• Company directors
• Partnerships
• CIS workers
• Umbrella companies
• Fixed-term contracts
• Day-rate contractors

Many of my clients came to me after being declined elsewhere, and now they’re holding the keys to their new home 🔑🏡

✨ If you’ve been told no before, let’s see what is possible.
📩 Send me a message and let’s make your home-buying dream happen 💭🏠

📧 [email protected]
📞 07960 956864

Call now to connect with business.

25/11/2025

🏡Need help with your mortgage?🏡
Whether you’re a first-time buyer, moving home, or looking to remortgage, I’m here to offer expert support & advice every step of the way!
🏡Here’s some of the ways I can help:
🔑 Purchases: From your first home to your forever home
🔑 Remortgages: If your deal is ending soon, let’s find the best rate for you
🔑 Further Borrowing: For home improvements, debt consolidation, and more
🔑 Buy to Let: Investing in property or remortgaging your current BTL property/properties
🦆It’s all about finding the right options and solution for you🦆
💬⬇️
📧 [email protected]
📞 07960 956864

25/10/2025

🏡 Renovate to Elevate! 💪✨

Thinking about improving your home instead of moving? You might be surprised at how much value a few smart upgrades can add!

📊 Loft conversions or extensions that add a bedroom can boost your property’s value by up to 24%!
🍽️ Kitchen and bathroom makeovers have been the UK’s most popular home improvements over the past 5 years.
🌿 34% of homeowners are now choosing to include eco-friendly upgrades like solar panels or insulation.

Whether you’re planning to refinance after renovations or use your home’s equity to fund the project, I can help you explore your Mortgage options and make your plans a reality.

💬 Message me today to chat about remortgaging for home improvements or finding the right renovation loan for your goals.
📩 [email protected]
📞 07960 956864

22/10/2025

🌟 Thinking About Buying a Home? Let’s Get You Mortgage Ready! 🌟

Whether you’re taking your first step onto the property ladder or planning your next move, it all starts with understanding your finances. 💰

Choosing the right Broker makes all the difference. Someone who truly listens, understands your goals, and guides you through the entire process from start to finish. 🏡✨

With over 15 years of experience and countless happy clients, I offer independent, whole-of-market advice to help you find the best Mortgage for your situation.

💼 Self-employed directors who don’t always show high income
👷‍♂️ CIS contractors
💳 Clients with adverse credit
🏠 100% Mortgages
…and so much more!

Your dream home might be closer than you think. Let’s chat about how we can make it happen. 💚

📩 [email protected]
📞 07960 956864

Call now to connect with business.

15/10/2025

✨ 100% Mortgages – Turning Renters into Homeowners! 🏡

We’ve seen some amazing success stories since 100% mortgages launched earlier this year! 🎉

If you’re renting and finding it impossible to save for a deposit, this could be the game changer you’ve been waiting for. A smarter, long term solution that can make owning your first home a realistic goal, not just a dream. 💫

That home you thought was out of reach might be closer than you think.

If this sounds like you (or someone you know!), let’s have a chat today.
📩 [email protected]
📞 07960 956864

06/10/2025

Hello October 🍂🎃

Did you know that, on average, it takes around 12 weeks from having your offer accepted 🏡 to getting the keys 🔑 to your new home?

If you’re hoping to move or buy your first home in 2025, there’s still plenty of time! ✨
The first step is finding out how much you can borrow and what deposit you’ll need, and that’s where I come in.

I'm here to guide you through every step of the journey 💚
I offer a no-obligation chat, so you can start your home-buying journey with confidence. Get in touch today!

[email protected] 📧
07960 956864 📞

21/09/2025

✨ Another week of happy clients! ✨

I’m so grateful for the lovely reviews I’ve received recently. Your feedback truly means the world. Helping people secure their mortgages and take the next step in their journey is exactly why I love what I do.

💌 "Highly recommend Mallard Mortgages. Janine and Debbie were there to help us every step of the way. With us being first time buyers there was a lot of things we didn't understand. They explained everything to us and made it very easy. Thank you both of you."

And a big thank you to those who have been referring friends and family my way. It’s always such a compliment when you recommend my services. 🙏
It’s been lovely seeing your thank you messages for the Amazon vouchers you’ve received as part of my Refer a Friend scheme. Just a small token of appreciation for trusting me to help the people you care about.

If you know someone who’s thinking about buying a home, remortgaging, or just wants some friendly mortgage advice, please feel free to pass my details on. 🏡💙

[email protected]
07960 956864

👉 Don’t forget, when your referral completes, you’ll get an Amazon voucher as a thank you from me!

Your home may be repossessed if you do not keep up repayments on your Mortgage. There may be a fee for mortgage advice. The actual amount you will pay will depend upon your circumstances. The fee is up to 1% but a typical fee is £495.