Eden Hawk Financial Solutions

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Eden Hawk Financial Solutions

Mortgage & Protection Advisors. Cardiff & surrounding areas.

20/08/2026

Our Q3 2026 newsletter is out now!

Inside, we cover the summer housing market and where prices are heading, plus why remortgaging is surging for both homeowners and landlords.

We're also sharing tips for selling fast and house hunting without the stress, a modern take on annexes, and the latest Renters' Rights Act update.

Rounding things out, we look at home insurance trends, away-from-home cover, and how shifting borrower strategies could affect first-time buyers. Whether you're buying, selling, or remortgaging, there's something in this issue for you.

Read the full newsletter here: https://www.edenhawk.co.uk/quarterly-newsletter-q3-2026/

13/08/2026

Thinking of moving home? It's easy to underestimate the costs. 🏡

Between estate agent fees, conveyancing, stamp duty, removals and surveys, the average cost of moving in the UK can range anywhere from £2,000 to £12,000+, on top of your deposit and mortgage.

Knowing what to budget for from the start means fewer surprises on moving day. We explain the costs you should plan for in our latest article 👇

https://www.edenhawk.co.uk/the-cost-of-moving-home-in-the-uk/

07/08/2026

As a home buyer, it's important to understand that a mortgage valuation is different from a home survey.

A mortgage valuation confirms the property is worth what you're paying, for your lender's benefit, not yours. A separate home survey confirms the property's condition and reveals potentially expensive repairs that you'll be responsible for.

Want to know what happens after the inspection, and what your options are if the value comes in lower than expected? We cover it in our latest article👇

https://www.edenhawk.co.uk/what-to-expect-from-a-mortgage-valuation/

30/07/2026

Do you have equity, but don't want to touch your existing mortgage? A second charge mortgage could be worth exploring. 🏠

It's a separate loan secured against your home, arranged alongside your current mortgage rather than replacing it. This is useful if you want to keep your existing rate or avoid an early repayment charge. It's commonly used for home improvements, debt consolidation or funding life's higher costs.

Like any secured borrowing, it's not the right fit for everyone, so it's worth understanding what's involved. We explain it in our latest article; read more here 👇

https://www.edenhawk.co.uk/borrowing-against-your-home-equity-with-a-second-charge-mortgage/?cn-reloaded=1

23/07/2026

If you're thinking about investing in an HMO, a standard buy-to-let mortgage won't cover it.

HMOs have their own lending rules, including stricter eligibility, rental income assessed room-by-room, licensing requirements, and often lower LTV caps than standard buy-to-let. If you get it wrong, you risk breaching your mortgage conditions.

Despite the risks, an HMO can be a great investment. Well-managed HMOs often generate stronger rental yields than single-tenancy properties. In our latest article, we explain what lenders look for in HMO landlords👇

https://www.edenhawk.co.uk/hmo-mortgages-financing-for-houses-in-multiple-occupation/

09/07/2026

Is your home protected if the unexpected happens?

Mortgage protection insurance can help cover your repayments if illness, injury, or worse means you can't keep up. From decreasing life cover to income protection and critical illness cover, there are options for every circumstance.

Read our latest article to learn more: https://www.edenhawk.co.uk/do-i-really-need-mortgage-protection-insurance/

02/07/2026

Could a Joint Borrower Sole Proprietor mortgage help you or a family member get onto the property ladder?

With a JBSP mortgage, a parent or family member can boost your borrowing power without being named as a legal owner of the property, keeping stamp duty and first-time buyer benefits intact. 🤝

Find out how it works in our latest article:

edenhawk.co.uk/joint-borrower-sole-proprietor-mortgages-benefits-and-risks-for-borrowers/

25/06/2026

What happens when you find the perfect home, but your current property hasn't sold yet?

It's a common dilemma for UK homeowners, and a bridging loan could be a good option.

Read our latest article to learn more about bridging loans and how Eden Hawk can help you with this financing option:

edenhawk.co.uk/how-can-i-buy-a-property-before-selling-my-current-home-a-guide-to-bridging-finance/

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18/06/2026

Are you thinking about buying a new-build home?

From energy efficiency and no property chain to possible build delays and leasehold small print, there's a lot to consider before you commit.

In our latest article, we explain the key pros and cons of buying a new-build to help you make a confident decision. 🏡

Click to learn more:

https://www.edenhawk.co.uk/the-pros-and-cons-of-buying-a-new-build-home/

17/06/2026

Driving Your Financial Future Forward ⛳

Eden Hawk Financial Solutions was proud to join the Y3S Annual Golf Day at the stunning Celtic Manor in Newport, supporting two incredible charities: Marie Curie and Ronald McDonald House.

A huge thank you to Hamed Redmore, Tom Willis, and David Griffith for representing Eden Hawk on the course, and to everyone who came together to raise money for such great causes.

Y3S Loans

Address

116 Caerphilly Road
Cardiff
CF144QG

Telephone

+442920490144

Website

https://www.edenhawk.co.uk/

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