Kayleigh Stephenson - Mortgage & Protection Adviser

Kayleigh Stephenson - Mortgage & Protection Adviser 🏡 Helping you buy with confidence
🤝 Personal protection solutions
🧩 Peace of Mind Financial Solutions Ltd
📲 07887 692634
📧 [email protected]
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Peace of Mind Financial Solutions Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Our typical Mortgage fee is £399.00 - This is dependant on your circumstances. Company website - www.pomfs.co.uk
Head office - 01723 364446.

07/09/2026

How can one £20 missed payment matter more than a £5,000 loan you’ve managed perfectly? 👀

It sounds backwards, but when you apply for a mortgage, lenders aren’t only interested in how much debt you have.

They’re also looking at how you’ve managed it.

A £5,000 loan where every payment has been made on time can demonstrate consistent credit management.

Whereas a missed £20 payment might prompt a lender to look a little closer at:
🏡 How recently it happened
🏡 What type of credit or account it related to
🏡 Whether it was a one-off or part of a pattern
🏡 Whether the account has since been brought up to date
🏡 Their own individual lending criteria

So, sometimes, the amount you missed isn’t the most important part.

A recent missed payment could have more impact than a much larger debt you’ve successfully managed for years.

But... and this is important one missed payment doesn’t automatically mean you can’t get a mortgage. 💛

Different lenders look at credit history differently, and your wider circumstances matter too. This is also where having someone look at the full picture before you start making applications can really help.

If something on your credit history is making you worry about applying for a mortgage, please don’t assume it’s an automatic no. Drop me a message and we can talk through where you stand.

📌 Save this if a mortgage is on your radar and send it to someone who might need to hear it.

📱 07887692634
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

04/09/2026

Renting now? Your rent history could potentially help you buy your first home. 🏡

If saving a traditional deposit feels like the thing standing between you and homeownership, this is an option worth knowing about.

The Track Record mortgage is designed for eligible current or recent renters who haven’t owned a UK property within the last three years and, depending on your circumstances, you could potentially borrow up to 100% of the property value.

You may be eligible if:
🏡 You’re aged 21 or over
🏡 You’ve paid rent for 12 consecutive months within the last 18 months
🏡 You have experience paying household bills
🏡 You’ve had no missed payments on credit commitments within the last six months
🏡 You’re looking to borrow up to £600,000

There are other criteria to consider too, including affordability and credit checks, so it isn’t a case of I pay rent, therefore I’ll qualify.

But if you’re comfortably paying rent every month and wondering “Why can’t I get a mortgage instead?” it could absolutely be worth having the conversation.

You might be closer to buying your first home than you think. 💛

Drop me a message and I can look at your circumstances, explain what options may be available and whether a low or no-deposit mortgage could work for you.

📱 07887692634
📧 [[email protected]](mailto:[email protected])

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A little out of office note from me. ☀️With the last week of the summer holidays here, I’m taking a little time away fro...
01/09/2026

A little out of office note from me. ☀️

With the last week of the summer holidays here, I’m taking a little time away from the desk to enjoy some much-needed family time, slow things down and properly recharge. 💛

It’s been a busy summer, and I’m incredibly grateful to everyone who has trusted me with their mortgage and protection plans along the way.

I’ll be fully back on Thursday 10th September, refreshed and ready for what’s shaping up to be a busy autumn season. 🍂🏡

Messages and emails are still very welcome while I’m away, I’ll just be a little slower to respond and will pick everything up properly when I’m back.

For now, it’s time to make the most of those last few summer days. ☀️💛

And just like that… August is nearly over. ☀️🏡Another busy month of conversations, applications, offers and helping peop...
30/08/2026

And just like that… August is nearly over. ☀️🏡

Another busy month of conversations, applications, offers and helping people take their next step, and finishing it with another lovely 5-star review feels like the perfect way to round things off. ⭐⭐⭐⭐⭐

Every review, recommendation and message genuinely means so much. Choosing someone to help with your mortgage or protection is a big decision, and I never take that trust for granted.

Thank you to everyone who has kept me busy this August, whether you’ve completed, started an application, asked your first question or simply recommended me to someone you know. 💛

Here’s to September and plenty more exciting milestones ahead. 🔑

If a mortgage, remortgage or move is on your autumn to-do list, my inbox is always open for a friendly, no-pressure chat.

📱 07887692634
📧 [[email protected]](mailto:[email protected])

28/08/2026

"Should I wait until interest rates come down?"

It's probably one of the most common questions I get asked. And if I'm honest...
It's also one of the hardest to answer with a simple yes or no.

The truth is, nobody knows exactly what interest rates or the property market will do next.

If they did, we'd all have bought at exactly the right time!

What we can do is look at your circumstances.
- Can you comfortably afford the repayments?
- Have you saved enough for your deposit and moving costs?
- Are you planning to stay in the property for several years?
- Is moving now important because of work, family or lifestyle?

These questions often matter much more than trying to perfectly time the market.

I've worked with clients who decided to wait because they hoped rates might fall, only to find the house they loved had sold.

I've also worked with clients who bought when they were financially ready and were delighted they didn't spend months worrying about what might happen next.

Buying a home isn't just a financial decision, it's often a life decision too.

Whether you're buying your first home, moving to accommodate a growing family or simply exploring your options, the best starting point is understanding what's right for you, not what headlines or social media comments are saying.

A mortgage should support your plans, not someone else's.

If you're wondering whether now is the right time to buy, let's have a conversation.
We'll look at your circumstances, answer your questions and help you make an informed decision with confidence.

📩 Send me a message for a friendly, no-obligation chat. Together, we'll work out what makes sense for you.

📱 07887 692634
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Let's be honest… Sometimes the dog gets the final say when you're choosing a new home.It's not just about the number of ...
26/08/2026

Let's be honest… Sometimes the dog gets the final say when you're choosing a new home.

It's not just about the number of bedrooms or whether the kitchen has an island.

For many buyers, it's about finding somewhere with a secure garden, countryside walks nearby, enough space to stretch four legs and a home where every member of the family feels happy.

As a mortgage adviser, I spend a lot of time talking about deposits, lenders and affordability.

But the conversations that stay with me are often about why people are moving.

A bigger garden for the dog. More space for the children. A shorter commute. Being closer to family. Starting a new chapter.

Buying a home is rarely just a financial decision, it's a lifestyle decision.

That's why every mortgage journey is different.

On this International Dog Day, here's to all the four-legged family members who have supervised house viewings, explored new gardens and claimed the best spot on the sofa before anyone else had chance!

🐶 Dog owners... I need your help!

What's one thing your dog would insist on having in their dream home?

A huge garden? A utility room for muddy paws? Countryside walks on the doorstep? Or perhaps somewhere close to the beach?

Tell me in the comments, I have a feeling the dogs have very high standards!

And if you're planning a move that's perfect for the whole family (including the furry members), I'd love to help make it happen.

📩 Send me a message if buying your next home is on your list this year.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Everyone's property journey looks different, and there's no right or wrong place to be.Whether you're just starting to s...
24/08/2026

Everyone's property journey looks different, and there's no right or wrong place to be.

Whether you're just starting to save, getting ready to view properties or counting down the days until completion, every step brings you closer to your goal.

I'd love to know where you're at on your journey.

Drop the emoji that best describes you in the comments 👇
🏡 Saving
📋 Agreement in Principle
🔍 Viewing homes
✍️ Offer accepted
🔑 Waiting for the keys

Wherever you are, if you need mortgage advice or have a question along the way, I'm always happy to help.

📱 07887 692634
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

21/08/2026

Buying a new build isn't quite the same process as buying an existing home. 🏗️

A few things that catch people out.

Most new builds are sold "off-plan" meaning you reserve before it's finished, so your mortgage offer needs to stay valid until completion (usually 6 months, sometimes longer for larger developments).

Lenders assess new builds slightly differently, and not every lender treats new-build valuations the same way this is exactly where the right advice matters.

And don't forget: schemes like Deposit Unlock or developer incentives can sometimes be used alongside your mortgage but they need to be structured correctly from the start.

Comment NEW BUILD below if this is on your radar 👇 I'm happy to walk you through it.

📱 07887692634
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

How much can I borrow?It's usually one of the first questions people ask when they're thinking about buying a home.The t...
19/08/2026

How much can I borrow?

It's usually one of the first questions people ask when they're thinking about buying a home.

The truth is, there isn't a one-size-fits-all answer.

While your income plays a big part, lenders will also look at things like your monthly commitments, credit history, deposit and their own lending criteria.

That's why two people earning the same salary can sometimes be offered very different mortgage amounts.

The best way to find out what you could borrow is to have a conversation before you start house hunting. It gives you a realistic budget, helps you plan with confidence and could even strengthen your position when it's time to make an offer.

If you'd like to know what you could borrow, I'm always happy to help.

📱 07887 692634
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

17/08/2026

"I'm scared to check my credit score in case it makes it worse."

It's one of the biggest mortgage myths I hear.

The good news? Checking your own credit report is usually recorded as a soft search, so it won't affect your credit score.

In fact, checking it early can put you in a stronger position by helping you spot mistakes, understand your financial history and avoid surprises later on.

Your credit report is only one part of a mortgage application. Lenders also consider your income, affordability and overall financial circumstances there isn't one universal "pass" or "fail" score.

If you're planning to buy, move or remortgage in the next year, understanding where you stand now can make the whole process much less stressful.

If you're not sure where to start, I'm always happy to help.

📱 07887 692634
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Address

8 Falsgrave Road
Scarborough
YO125AT

Telephone

+447887692634

Website

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