Kayleigh Stephenson - Mortgage & Protection Adviser

02/11/2026

It's Talk Money Week, so here's a small challenge for you this week. ☕

Put the kettle on, sit down with the person you share your home (and your bills) with, and go through these five questions together.

They're not meant to worry anyone. Most couples I speak to just haven't had the chance to talk them through, because life is busy and these things rarely come up over tea.

Swipe through 👉

If one of them leaves you both going "hmm, not sure", that's completely normal. I'm always happy to help you work out where you stand, with no pressure at all.

Send this to the person you share the bills with 💛

📱 07887692634
📧 [email protected]

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

27/10/2026

The Autumn Budget is tomorrow, and if the headlines are already making you a little anxious about your mortgage, that's completely understandable. 💛

There's a lot of speculation flying around right now. My gentle suggestion: wait for the actual detail before making any big decisions.

Whatever is announced, a few things won't change overnight:
📅 Your current mortgage deal, and when it ends
📋 Your credit file and how you've managed your money
🛡️ How important it is that your home and family are protected

Every situation is different, so if you'd like to talk through your own mortgage or plans once the Budget has been announced, I'm always happy to look at your circumstances with you. 💬

Just send me a message, no pressure, and no question is too small.

📱 07887692634
📧 [email protected]

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

26/10/2026

Mortgage Term Monday 📘

If your move feels like it's taking forever and nobody can quite tell you why, there's a good chance the chain is the reason. And it's not your fault. 🔗

A property chain is a line of linked buyers and sellers, where each sale depends on the one before it.

For example: you're buying from Sam, who's buying from Priya, who's buying from a couple who are downsizing. If one person is delayed, everyone waits.

"Chain-free" means the seller isn't waiting to buy somewhere else for example a new build, an empty property or a landlord selling.

First-time buyers: you've got nothing to sell, which makes you a really attractive buyer. 💪

How to keep your part moving: get your mortgage in principle early, instruct your solicitor straight away and send paperwork back quickly.

Have you ever been stuck in a chain? Tell me below 👇

📌 Save this and share it with someone waiting on a move right now.

📱 07887692634
📧 [email protected]

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

23/10/2026

School's out! 🎒🍂

The kids have officially broken up for half term, and our house has already switched into holiday mode.

A whole week of (hopefully) lie-ins, muddy walks and far too much hot chocolate... and with the clocks going back this weekend, cosy season is well and truly here.

I'll be working a little flexibly over half term, so if you've got a question about your mortgage or protection, do still drop me a message, I'll get back to you as soon as I can. 💬

What's on your half-term list? Tell me below 👇 I'm always after new ideas for rainy days!

📱 07887692634
📧 [email protected]

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

21/10/2026

October is Breast Cancer Awareness Month. 🎀

Breast cancer touches so many families, perhaps yours, perhaps someone close to you. This month is about awareness, support, and making sure nobody feels they're facing it alone.

It's also something I think about in my own work, more than people might realise.

When someone is facing a diagnosis, their focus should be on treatment, recovery and the people they love, not on how the mortgage is going to be paid that month.

That's what protection is really there for: a little breathing space when life takes a turn nobody planned for.

If you've ever wondered what you already have in place through work, an older policy, or alongside your mortgage, I'm always happy to help you make sense of it, whenever feels right for you. 💛

On Friday, many of us will be wearing it pink for Breast Cancer Now. If you'd like to get involved or find support, breastcancernow.org is a wonderful place to start.

Please look after yourselves get to know what's normal for you, and speak to your GP if you notice a change.

Share a 🎀 below for someone you're thinking of this month.

📱 07887692634
📧 [email protected]

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

20/10/2026

19/10/2026

My first born turned 10 this weekend! 🎂 Ten! I honestly don't know where the time has gone.

When he was born, I was an employed mortgage broker. When it came to the end of my maternity leave and going back to work, I knew something needed to change so I made the move to becoming self-employed.

It meant I could keep doing what I'm passionate about, helping people buy their dream homes while having the flexibility to show up as the mum I wanted to be. 💛

Working for myself brought so much freedom but it also made me think very differently about protection. There's no employer sick pay when you're self-employed.

If I couldn't work for a while, the mortgage, the bills (and the birthday lists!) wouldn't stop.

That's why income protection is something I feel really strongly about. It's designed to pay part of your income if illness or injury stops you working so your home and family are looked after while you focus on getting better.

Employed or self-employed, it's worth knowing what you'd have to fall back on. If you're not sure, I'm always happy to talk through your own situation. 💬

What's a milestone that made you stop and realise how fast time goes? Tell me below 👇

📱 07887692634
📧 [email protected]

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

15/10/2026

If family are helping with your deposit, first of all, how lovely. 💛

And second, please don't feel awkward about it. Gifted deposits are really common, especially for first-time buyers.

Lenders do have a few rules about gifts, though, and knowing them early can save a lot of last-minute stress.

Swipe through 👉

Tag the person helping you out (or the one you're hoping will 😉) 👇

📌 Save this for when you start your application and follow for more first-time buyer help.

📱 07887692634
📧 [email protected]

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

12/10/2026

Mortgage Term Monday 📘

If you've ever seen "leasehold" on a property listing and quietly wondered what it actually means, you're definitely not the only one. 🏠

Freehold - you own the property and the land it stands on, with no end date.

Leasehold - you own the property for a set number of years (the lease), but not the land. That's owned by the freeholder.

Why it matters for your mortgage:
• Lenders look closely at how many years are left on the lease, a shorter lease can limit your options
• There may be ground rent and service charges to build into your budget
• Flats are usually leasehold and houses are usually freehold, but not always

It's always worth checking the tenure before you get too attached to a listing, and asking your solicitor about anything in the lease you're unsure of.

📌 Save this for your next viewing and follow for a new mortgage term every week 💙

📱 07887692634
📧 [email protected]

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

09/10/2026

Quick one for your Friday 👇

If you were taking out a mortgage tomorrow, would you go for a 25-year term or a 35-year term? 🤔

There's no wrong answer and it's one of the questions I'm asked most.

A longer term usually means lower monthly payments, which can make things feel more manageable, especially when you're starting out.

A shorter term usually means higher monthly payments but you'll typically pay less interest overall and be mortgage-free sooner.

The right choice depends on your budget, your plans and what feels comfortable for you. And it isn't always set in stone lots of people review their term when they remortgage.

Comment 25 or 35 below 👇 I'd love to see which side wins!

Follow for more honest mortgage chats 💙

📱 07887692634
📧 [email protected]

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