Sally Hilliker at HHH Mortgages

21/08/2026

Helping this client take their plans to build a new home from an idea to something they could realistically move forward with was incredibly rewarding.

A self-build comes with plenty to think about, from the land purchase and construction costs to affordability and lender criteria, so getting the right advice early can make the whole process feel much clearer.

I took the time to understand what my client wanted to achieve, look at the project as a whole and explore the mortgage options that could potentially work for their circumstances.

Helping them navigate the finance and giving them the confidence to move forward with their plans made this a very fulfilling case for me.

👉 Read the full case study to find out more: https://www.hhhmortgages.com/news-post/sally-hilliker-new-build-specialist-finance

See how mortgage adviser Sally Hilliker helped a client explore specialist finance for a new-build second home, including land purchase and staged development funding.

12/08/2026

There’s not long left to make the most of our Refer a Friend campaign.

Know someone who’s looking for a mortgage? You can refer them directly to me at HHH Mortgages, and you could be entered into our £500 prize draw when their mortgage completes and the relevant eligibility criteria are met.

The final date for eligible referrals is 1 October 2026, so there’s still time to get involved.

If you know someone who could benefit from some mortgage advice, I’d be very happy to help. You can get your shareable referral link and read the full T&Cs here:

https://www.hhhmortgages.com/referafriend

T&Cs apply. UK only. Eligibility criteria apply.

11/08/2026

Thinking about putting your property on Airbnb? There’s one conversation I’d recommend having before you do anything else: discuss your mortgage.

It’s easy to focus on the property itself, the potential income and getting everything ready for guests.

But whether your current mortgage allows short-term holiday letting needs to be considered first.

I speak to property owners who are exploring Airbnb and holiday letting, and one of the most important things I can say is:

Don’t leave the mortgage until last.

The right mortgage can depend on the property, how you intend to use it, your circumstances and the lender’s criteria.

If you’re considering Airbnb or turning a property into a holiday let, HHH Mortgages have put together a guide explaining what you need to know before getting started.

Read the full guide here:
https://www.hhhmortgages.com/news-post/airbnb-holiday-let-mortgage-guide

And if you’re unsure whether your current mortgage is suitable for your plans, it’s always worth getting advice before you start taking bookings. I'd be happy to help!

All information provided on this site is accurate at the time of publication, but please note that criteria and regulations may change. Speak directly to one of our team for personalised, up to date advice.

03/08/2026

One of the questions I'm asked regularly: "How does a buy to let mortgage actually work?"

It's a great question because buying an investment property is about much more than finding the right house. It's understanding the lending, the rental income, the costs involved and, of course, the responsibilities that come with becoming a landlord.

In this video, I explain the fundamentals in a straightforward way to help you understand what lenders are typically looking for and some of the things to consider before taking the next step.

Every situation is different, so if you're exploring buy to let and would like advice based on your own circumstances, I'd be very happy to have a conversation.

20/07/2026

I'm so grateful for reviews like this. 💚

Buying a home can feel daunting, especially when there's so much information to take in. Taking the time to answer questions and make the process feel a little easier is all part of the job.

Thank you for the lovely review and for trusting me to help. It really does mean a lot.

If you're thinking about buying a home, remortgaging or just want to chat through your options, I'm always happy to help.

24/06/2026

Buying a home on your own can feel like a big step, but you do not have to figure everything out by yourself. 🏡

I speak to lots of people who are unsure whether they could get a mortgage as a sole applicant or how affordability is assessed. In this video, I talk through some of the things lenders may look at and explain why everyone's situation is different.

My aim is to make the process feel a little clearer and give you the confidence to ask questions.

If you'd like to chat about your own circumstances, I'd be delighted to help.

📞 01285 420500
📱 07926 171394
📧 [email protected]

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