Sonia Hawkes Mortgages & Protection

Sonia Hawkes Mortgages & Protection Empowering clients with financial strategies that align with their goal

Have you considered how private medical insurance can be a crucial part of your healthcare strategy? From shorter waitin...
14/03/2025

Have you considered how private medical insurance can be a crucial part of your healthcare strategy? From shorter waiting times to access to a wider range of treatments, private medical insurance offers peace of mind and flexibility for you and your family.

Don't wait until it's too late—educate yourself about the benefits and make an informed decision.

What are your health goals ?



As with all insurance policies, conditions and exclusions will apply.

Protect and Lend is an appointed representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority. FCA number 460421.

🏡 Time to Remortgage? We've Got You Covered!With expert advice and personalized options, we’ll make your remortgage jour...
16/12/2024

🏡 Time to Remortgage? We've Got You Covered!

With expert advice and personalized options, we’ll make your remortgage journey smooth and stress-free.

✨ Pro Tip: Start planning early! Contact us 6 months before your current deal ends to lock in the best rates and skip the last-minute hassle.

📞 Don’t wait—get in touch today and let’s make your next remortgage a breeze!



You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.
Protect and Lend is an appointed representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority. FCA number 460421.

22/11/2024

Concerns about being “sold” Life insurance, Critical illness cover, income protection rather than receiving genuine help.

Frustration with knowing what options are available. Worries about navigating insurance offerings that don’t adapt to your future needs. Fear of receiving insurance options that no longer meet your needs.

Doubts about the quality of your current insurance provider.
Stress about finding an insurance solution that understands your lifestyle needs.

Apprehension about whether your insurance will pay out when needed.

Overwhelmed by the number of insurance options available and not knowing where to start. Concerns about insurance premiums and whether they’ll remain affordable long-term. Anxiety about managing insurance costs during uncertain economic times.

I’m here to help you navigate these complexities and make informed, confident decisions. I offer personalized consultations that ensure your insurance needs are met without confusion or stress.

Securing your financial future—speak with an expert today to take control of your protection.

16/05/2024

What is an interest rate on a mortgage ?

Imagine you're planning a grand adventure to buy a house, but before you set sail on this epic journey, you need to understand how interest rates play into your quest.

Think of interest rates as the price tag on borrowing money from the Bank of Fairy-tales. When you take out a mortgage, you're essentially asking the Bank of Fairy-tales to lend you the gold coins you need to buy your dream castle. The bank isn't just giving you those coins out of the goodness of its heart. Oh no, they want something in return!

Now, the Bank of Fairy-tales is like a magical genie with a bag of tricks called interest rates. These rates determine how much extra gold coins (or money) you'll need to pay back on top of what you borrowed. If the interest rate is low, it's like the genie is feeling generous and only asks for a few extra gold coins. But if the interest rate is high, well, the genie wants more gold coins in return for granting your wish.

In the UK, interest rates can be fixed or variable. A fixed interest rate is like setting sail on a sturdy ship with a clear map – you know exactly how many gold coins you'll need to pay each month, regardless of how the wind blows. On the other hand, a variable interest rate is like embarking on an adventure across the high seas – the amount of gold coins you owe might change depending on the currents and tides of the economy.

So, when you're shopping for a mortgage in the UK, keep your eyes peeled for those interest rates. Whether you're navigating with the steady guidance of a fixed rate or braving the unpredictable waters of a variable rate, understanding these rates will help you chart a course towards your happily ever after in your very own castle!

09/05/2024

What is a mortgage?

Think of a mortgage as a magical spell cast by a wizard bank. They lend you a big bag of gold (money) to buy a castle (house), but you have to promise to pay them back over a gazillion years.

03/05/2024

Mortgages what is the difference between a bank or building society?

Think of banks and building societies as two different types of chefs preparing the same dish – mortgages.

Banks are like the big, flashy restaurants in the city. They have a wide variety of dishes (financial products) on their menu, including mortgages. They often offer competitive rates and have a national presence. However just like those fancy restaurants, they might not give you that warm, personalized experience you're looking for.

On the other hand, building societies are more like warm, family-run cafes in your neighbourhood. They specialize in a smaller range of dishes (mostly mortgages) but put a lot of thought and care into each one. They tend to focus on serving their local community, offering personalized service, and sometimes even better deals on mortgages because they don't have to worry about pleasing shareholders.

So, while both banks and building societies serve up mortgages, they do it with different vibes – one's like a bustling city restaurant, and the other's like your friendly neighbourhood cafe.

24/02/2024

🎉 Exciting News: New Beginnings in my Career! 🏡
Dear friends and family,

I am thrilled to share some exciting news with all of you! I have recently embarked on a new journey as a Mortgage & Protection advisor, and I couldn't be more excited about this new chapter in my career.

Helping people achieve their homeownership dreams has always been a passion of mine, and I am grateful for the opportunity to turn that passion into a profession. As a Mortgage & Protection advisor, I'll be assisting clients in finding the best mortgage solutions tailored to their needs and financial goals.
I want to express my gratitude to everyone who has supported me along the way. Your encouragement means the world to me, and I am eager to bring my skills and dedication to this dynamic industry.
If you or someone you know is in need of mortgage advice or assistance, please feel free to reach out to me. I am here to help navigate the exciting journey of homeownership.

Thank you all for your ongoing support, and I look forward to this new and rewarding adventure!

Cheers Sonia

Please like and share my page.

Address

Brighton And Hove
BN21JJ

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm

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