HHH Mortgages

15/10/2026

We might work in mortgages, but we’re also people who’ve been through the ups and downs of buying and selling property ourselves! 🏡

Today Joe, Sally Hilliker at HHH Mortgagese of the things they’ve learnt along the way, combining their professional experience with their own personal experiences of the property market.

Joe and Sally are active mortgage advisers who understand both sides of the process, while Mark, our Business Development Director and former mortgage adviser, brings decades of industry experience and his own recent experience of buying and selling a home.

Because sometimes, the most valuable insights come from a mix of professional knowledge and lived experience.

Swipe through to hear from the team!

14/10/2026

What a pleasure it is to help clients like this make their buying journey that bit easier 💚

14/10/2026

Just a friendly little nudge… for the fifth time today 🫠😂

14/10/2026

Mortgage myths can be frightening, but they don’t have to haunt your plans.

Here are five common mortgage myths we’re busting this spooky season:

👻 Myth 1: You need a huge deposit to get a mortgage.

Deposit requirements vary between lenders and mortgage products. Some mortgages are available with smaller deposits, although this may affect the rates and products available. Your affordability and circumstances also matter.

🦇 Myth 2: A poor credit history means you can never get a mortgage.

Missed payments, defaults and other credit difficulties can affect an application. However, lenders have different criteria and may consider the type of issue, when it occurred and your current financial circumstances.

🕸️ Myth 3: You must be employed full-time to get a mortgage.

Not necessarily. Some lenders consider part-time workers, temporary employees and those on fixed-term contracts. Your income, employment circumstances and affordability will influence their assessment.

⚰️ Myth 4: Being self-employed makes getting a mortgage impossible.

Self-employed applicants may be eligible for a mortgage. Lenders often require evidence of income, such as accounts or tax calculations, with requirements varying according to their criteria.

🎃 Myth 5: Once you're turned down for a mortgage, there's no point trying again.

A declined application doesn't automatically mean you'll always be ineligible.

Understanding why you were declined and whether your circumstances or a lender's criteria make a difference can help inform your next steps.

👻 The reality? Mortgage eligibility depends on your individual circumstances, affordability and the lender's criteria. Every application is different, so don't let common myths haunt your understanding of mortgages!

14/10/2026

13/10/2026

Worried your credit history means you can’t get a mortgage? There’s more to a mortgage application than one number. Lenders consider your wider circumstances alongside their own lending criteria.

If you’re unsure where you stand, start with a conversation.

08/10/2026

One lender said no on your buy to let application?

That doesn’t always mean it’s a no everywhere.

Some buy to let cases are more complex than others. You may be looking at an unusual property, already have a number of properties, have more than one source of income, or be buying through a limited company.

Different lenders have different criteria, so what doesn’t work for one lender may be considered by another.

It’s important to understand why the application was declined and look at the bigger picture before assuming your plans have to stop.

If your buy to let situation is a little more complicated, it may be worth talking through your circumstances and understanding what options could be available.

07/10/2026

Barclays has introduced a Fast-Track Remortgage service for certain eligible customers switching from another lender.

For those who meet the criteria, Barclays says a mortgage offer could be available within 24 hours, with the remortgage completing in as little as five days.

There are specific eligibility requirements, including the type of property, loan-to-value, borrowing and mortgage arrangement. The timescale is also subject to affordability, identity, fraud and valuation checks, with information and supporting documents needing to be submitted accurately.

It’s another example of how lenders are looking at ways to streamline the remortgage process.

If your current mortgage deal is coming to an end, it can be worth considering the options available to you, including whether staying with your current lender or switching elsewhere is appropriate for your circumstances.

𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘰𝘱𝘵𝘪𝘰𝘯𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘭𝘦𝘯𝘥𝘦𝘳 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢 𝘢𝘯𝘥 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴. 𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.