Debbie Sidwell - Mortgage Advice Bureau

21/06/2026

Not every mortgage application is straightforward, and that’s exactly where expert mortgage advice matters 🙌

I love helping clients in situations where others have said “no,” including:
✅ Self-employed clients with just 1 year of trading history
✅ Foreign nationals who were declined at Decision in Principle (DIP) stage by multiple lenders before we secured an approval
✅ Joint Borrower Sole Proprietor (JBSP) applications with complex circumstances, including securing a 40-year term for a 69-year-old applicant
✅ Clients with complex income structures such as multiple jobs, bonuses, overtime, commission, dividends, or irregular earnings

Every case is different, and a decline from one lender doesn’t mean all options are gone.

If your circumstances are a little more complicated, don’t assume homeownership is out of reach, there may be lenders and products better suited to your situation 🏠

Get in touch to discuss your options
☎️ 07960956864
📧 [email protected]

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]

Send a message to learn more

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 🏠✨

📩 Message me directly
📞 07960956864
📧 [email protected]

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!

📩 Message me directly
📞 07960956864
📧 [email protected]

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.



📩 Message me directly
📞 07960956864
📧 [email protected]

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.

📩 Message me directly
📞 07960956864
📧 [email protected]

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

📩 Message me directly
📞 07960956864
📧 [email protected]

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