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.....a bike that will have this spec.
compact geometry,
disc brakes
700c wheels
fittings for guards and rear panniers
Suggetions please?
BB
Roadrat? Karate monkey?
I'm not sure what compact geometry is, but I think this hasn't got it, fits the rest of your list though.
+ Sam is great to deal with,
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Or a Voodoo limba, if you can find one, (also may or may not be compact) and guard fitting might be a little bit of a fiddle
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I reckon 700 wheels will fit in a 26" MTB frame if the tyres are thin enough. Might be a squeeze for mudguards though.
APF
Buy a boardman Hybrid frame off ebay, sorted
Like Ishouldbeworking said
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Not sure about frames but this looks like what you are looking for
http://www.allterraincycles.co.uk/product/119101.html
what size do you need? i have a cracking boardman frame for sale but its a small i.e around 16 inch, e-mail me if intrested on andrewspencer2004@hotmail.co.uk