Sarah Willetts Mallard Mortgages

31/10/2026

🎃👻 HAPPY HALLOWEEN! 🏡🦇

No tricks, just treats this Halloween! 🍬

Whether you’re house hunting, dreaming of your forever home, or looking to remortgage, I’m here to help make your property dreams a reality.

Don’t let mortgage worries haunt you! 👻 Let’s find a deal that’s just right for you.

Wishing all my lovely clients, friends and followers a spook-tacular Halloween! 🧡

🎃 Have a fang-tastic evening!

16/10/2026

🚨 “MORTGAGE RATES HIT 6%!” 🚨

But before you panic and put your home-buying plans on hold… let’s look at the bigger picture! 👀🏡

Headlines like these can be misleading. The figures being reported can reflect an average across a wide range of mortgage products, including specialist lending for people with adverse credit and even 100% mortgages.

So, does that mean you’ll be paying 6%? Not necessarily! 👇

✅ If you have a deposit saved
✅ If your credit file is in good shape
✅ If you meet the lender’s criteria

👉 You may be able to secure a mortgage rate below 6% on some products, depending on your circumstances and eligibility.

📉 Don’t let scary headlines make the decision for you.

Whether you’re:
🔑 Looking to buy your first home
🏡 Ready to move to your next property
💭 Just wondering what you could afford

Let’s have a chat!

Every situation is different, and the right mortgage for you depends on your individual circumstances. Let’s explore your options and see what’s possible. 🤝

📩 Drop me a message today. Your home-buying journey might be closer than you think!

13/10/2026

🍂 Thinking About Your Mortgage This Autumn? 🏡

Whether you’re looking to remortgage, move home, release some equity or consolidate debts, now could be the perfect time to explore your options!

🏡 How can I help you this autumn?

✅ Remortgaging – Looking for a new deal when your current mortgage is coming to an end in the next 6 months?

🔑 Moving Home – Need a mortgage for your next chapter?

💷 Borrowing More – Want to explore the possibility of borrowing additional funds?

📉 Debt Consolidation – Looking at whether consolidating debts into your mortgage could be suitable for you?

With access to over 100 lenders, I can search a wide range of mortgage options to help find a solution tailored to your individual circumstances and needs.

🍁 Every situation is different, so let’s explore what options may be available to you!

📩 Get in touch today for a friendly, no-obligation chat about your mortgage options.

Your next chapter could start with the right mortgage advice! 🏡🍂

07/10/2026

Get in touch with Troy Mallard - Mallard Mortgages 🦆

**MORTGAGE ADMIN OPPORTUNITY**

Based at our office in Rotherham, Waverley, an exciting opportunity for the right person!

The role has become available due to one of our current admins progressing into the mortgage broker role!

Message me for more information and to arrange a chat!

02/10/2026

💙⚽️ PROUD SPONSOR OF WEST HALLAM ROVERS! ⚽️💙

There’s something extra special about being able to support a team that means so much to me — especially when my own son is out there wearing the shirt which was my number when I started playing football! 🥰⚽️

I’m so proud to sponsor West Hallam Rovers U7s and support these brilliant young players as they start their football journey. 💙

Their first ever competitive league matches in the brand-new 3v3 format are officially in the books! 🙌

The boys kicked off against Spondon, and what a start it was! Every single one of them gave it their all — scoring plenty of goals, working together and showing incredible determination. 💪⚽️

A huge well done to all the boys👏💙 You should all be so proud of yourselves!

As a mortgage adviser, I’m passionate about helping families build their futures — and being able to support the next generation both on and off the pitch makes this sponsorship even more meaningful. 🏡💙⚽️

Here’s to the first of many competitive fixtures and plenty more memories along the way!

Well done boys… we go again next week! 🔥💙⚽️

30/09/2026

🏡🔑 FROM “I’M NOT SURE THIS IS GOING TO HAPPEN” TO “WE’VE GOT THE KEYS!” 🏡 🔑

One of the most rewarding parts of being a mortgage adviser is helping first-time buyers achieve something they weren’t always sure was possible.

I recently helped this wonderful family purchase their first home — and it certainly wasn’t a straightforward journey. There were moments when we genuinely questioned whether it would happen.

But that’s where having the right support can make all the difference.

Through persistence, exploring the options available, overcoming challenges and, most importantly, not giving up, we got there. 🏡🔑

And now they’re homeowners! 🎉

I was also incredibly touched to receive these beautiful, thoughtful and personalised gifts and card from them. It was such a lovely gesture, and a reminder of exactly why I love helping people navigate their mortgage journey. 🦆

If you’re a first-time buyer and wondering:

🏡 “Can I actually afford my own home?”
💷 “How much could I borrow?”
📋 “Where do I even start?”
🤔 “What if my circumstances aren’t straightforward?”

Don’t assume it’s not possible before having a conversation.

Every buyer’s circumstances are different, and sometimes it takes a little persistence, creative thinking and finding the right route to make homeownership a reality.

If owning your first home is on your mind, send me a message and let’s have a chat. No pressure, no judgement — just a conversation about your options and what your next steps could look like. 💙

Your first home might be closer than you think. 🏡🔑

29/09/2026

🏡 COULD A 2.5% DEPOSIT HELP YOU BUY YOUR FIRST HOME?

There’s a new government-backed scheme in the pipeline that could make getting onto the property ladder more achievable for some first-time buyers.

The proposed Your First Home scheme is expected to offer:

🔑 2.5% deposit
🏠 20% government-backed equity loan
🏗️ Available for eligible new-build homes
📅 Further details are expected to be confirmed at the October Budget

It could be an interesting development for first-time buyers who are struggling with the deposit barrier — but eligibility, property price caps, income limits and the final terms are still to be confirmed.

I can help you understand what your mortgage options could look like now, and how a scheme like this may affect your plans once the full details are announced.

📱 07368 909525
📧 [email protected]

Thinking about buying your first home? Let’s have a chat. 🏡

24/09/2026

22/09/2026

Happy Tuesday, everybody! 🎉

Mortgage offer received today after plenty of ups and downs along the way! 🏡🙌

She had initially gone through another advisor with a different company but wasn’t happy with the service or communication she was receiving, so she decided to start a new application and move forward with me.

This case certainly wasn’t straightforward. The client had to increase her borrowing after the sale of her own property was unexpectedly pulled just before completion, and the property was eventually sold for less than originally anticipated.

I’m absolutely delighted to have been able to get this mortgage offer and, most importantly, provide the communication and support she was looking for throughout the process.

Even better… what a lovely message to be able to send her while she’s away on holiday!

Another mortgage offer received, another happy client, and a great way to start the week! 🦆

17/09/2026

🏦 BANK OF ENGLAND RATE UPDATE

The Bank of England has announced today that the Base Rate remains unchanged at 3.75%.

For homeowners and buyers, this means there’s no change to the Bank Rate today — although mortgage rates are influenced by a range of factors beyond the Base Rate, so individual mortgage rates can still move independently.

📌 Base Rate: 3.75%
📅 Next Bank of England decision: 5 November 2026

If you’re coming to the end of your fixed-rate mortgage, thinking about moving, or simply wondering what today’s announcement means for you, it’s worth reviewing your options early.

📩 Get in touch for a chat about your mortgage and what the current market could mean for you.