Sally Hilliker at HHH Mortgages

05/11/2026

Bank of England base rate rises to 4% 📈

The Bank of England has increased its base rate from 3.75% to 4%, marking its first rate rise since 2023.

I know that changes to interest rates can bring questions and uncertainty. So, what could this mean for your mortgage?

If you're on a tracker mortgage: Your interest rate and monthly repayments may increase, depending on your lender's terms.

If you're on a fixed-rate mortgage: Your current rate won't change during your fixed term, but the cost of your next deal may be affected by wider market conditions.

If your mortgage deal is ending soon: Now could be a good time to review your options and understand what may be available ahead of your current deal ending.

Every mortgage and situation is different, and the right next step will depend on your circumstances and plans.

I'm here to help you understand your options and feel more confident about your next steps.

Get in touch for a free, no-obligation initial consultation.

14/10/2026

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

25/09/2026

Buying a home is exciting, but it’s easy to get caught up in the property search before you’ve worked out what’s realistic for you.

A little preparation at the start can make a big difference.

From understanding your budget and getting an Agreement in Principle, to allowing for the additional costs that come with buying, there are a few simple steps that can help make the process feel much more manageable.

In this video, I cover three common pitfalls to look out for, whether you’re buying your first home or moving to your next one.

If you’re thinking about moving and want to understand your options, I’m always happy to talk things through.

09/09/2026

Buying a home can feel like a lot sometimes.

You’re looking at properties, thinking about deposits, trying to work out what you can afford, and probably wondering whether you’re even asking the right questions.

And I completely understand why people sometimes feel they need to have everything figured out before they speak to a mortgage broker.

But you really don’t.

You can come with questions. You can come with a rough idea. You can come with absolutely no idea where to start.

Sometimes, the most useful thing is simply having a conversation with someone who can help you make sense of it all.

There’s no expectation that you should already know how everything works. That’s what we’re here for.

So, if buying a home is something you’re thinking about, even if it’s still a little way off, please don’t feel you have to work it all out on your own.

I’m always happy to have a chat. 💚

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]