HHH Mortgages

18/06/2026

Holiday let mortgages are still a relatively niche area, and there’s often a fair bit of confusion around how they actually work in practice.

We covered this in a recent webinar - from how lenders calculate borrowing, through to the property factors that can affect a decision.

If it’s something you’re exploring, the full recording is available here:
https://www.youtube.com/watch?v=oXWipLueXa8&feature=youtu.be

In this recorded webinar, Joe Stallard (Managing Director at House ...

17/06/2026

We’re delighted to be co-hosting an upcoming webinar with Pura Vida Financial Planning, diving into later life lending and how it fits into your wider plans.

Our very own Janet Hardy will be sharing practical insight into how later life lending works in real situations, while Pura Vida will guide you through the tax side and broader planning considerations.

It all comes back to your home, your wealth, your legacy.

If you’ve been curious but unsure where to start, this session keeps things clear and straightforward.

📅 Tuesday 14 July
⏰ 13:00 to 14:00 BST

🔗 https://teams.microsoft.com/meet/316371765192180?p=eVC4QrRahxeV8Em8pQ

Bring your questions. We’re here to help you make sense of it all.

16/06/2026

Mortgage rates are changing quickly and for many borrowers that creates one big question:

“Should I act now or wait?”

The problem is that waiting for the “perfect” rate can sometimes lead to more uncertainty, more stress, and fewer available options.

In our latest blog, we break down:
• How rate changes can affect borrowing and monthly payments
• Why lenders can withdraw products with little notice
• The pros and cons of different mortgage options
• How to make informed decisions without reacting emotionally to the market

If you are trying to navigate a changing mortgage market, this guide will help you approach your next steps with more clarity and confidence.

Read more here:

Learn how changing mortgage rates in the UK could affect your monthly payments, whether fixing now makes sense, and what mortgage options are available in 2026.

12/06/2026

I’m really proud of how this one came together, because it’s a great example of helping someone through a situation that isn’t quite straightforward.

The property had two annexes on one title, which meant the pool of lenders was smaller than it first seemed. These kinds of details can easily be missed early on, but they can make a real difference to what’s possible.

Once I’d gone through everything, I was able to spot where the challenges were and find a lender whose criteria suited the property. It was all about finding the right fit for the client and their circumstances.

I’m so pleased we were able to secure a mortgage offer and keep the purchase moving. Helping people get there, even when things are a bit more complex, is always the best part of the job.

You can read the full case study here:
https://www.hhhmortgages.com/news-post/mortgage-property-with-two-annexes-case-study

10/06/2026

Mortgage rates move more often than many people expect.

That can affect monthly payments, product availability, and how confident borrowers feel about their next steps.

In this video, we explain what changing rates could mean for you and why understanding your options matters in a changing market.

Watch here:
https://youtu.be/QfAqdr4HwhU?si=46JS6bi0R2HyWJuy

Looking at mortgage rates and wondering whether you should fix now or wait?In this video, we explain how changing mortgage rates in the UK can affect:* Month...

09/06/2026

The mortgage market can feel unpredictable, especially when rates and lender criteria are changing.

But making confident decisions starts with preparation.

Understanding your priorities, reviewing affordability in general terms, and exploring the options available to you can help you approach the process with greater clarity.

04/06/2026

Why does applying for a mortgage feel so stressful?

Because rates can move quickly and lenders all assess applications differently.

Understanding the key areas lenders usually review, including income, credit commitments, and household spending, can help you feel more prepared before you apply.

The more informed you are, the more confident the process can feel.

02/06/2026

From overwhelmed… to back in control ✅

With £85K of debt and rising monthly costs, this family needed a real solution, not just another quick fix.

By restructuring everything into a single mortgage with the help of Janet Hardy (Mortgage Adviser at HHH Mortgages), they reduced their outgoings by £1,800+ per month.

The right advice makes all the difference.

Want to see how it works? Read the full case study 👇
https://www.hhhmortgages.com/news-post/reducing-monthly-payments-with-debt-consolidation

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Discover how specialist mortgage advice helped a family consolidate £85,000 of debt and reduce monthly outgoings by over £1,800.

02/06/2026

Waiting for mortgage rates to drop before applying?

A lot of people are asking the same question right now.

The reality is that trying to perfectly time the market is difficult. What matters more is understanding what works for your own circumstances and making informed decisions based on that.

The right approach will always depend on your personal situation and priorities.

If you want guidance tailored to you, professional mortgage advice can help you understand your options.