Liam Fontaine - HWM Mortgage and Protection Specialist

Directions Website Contact the business

Liam Fontaine - HWM Mortgage and Protection Specialist Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Liam Fontaine - HWM Mortgage and Protection Specialist, Insurance broker, 40 Charlotte Square, Edinburgh.

Independent Mortgage & Protection Specialists

HWM Mortgage & Protection Specialists is a trading style of Hunter Mortgages Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

It's not always as simple as one figure on a tax return. 🤔Depending on how your business is set up, lenders might look a...
25/10/2026

It's not always as simple as one figure on a tax return. 🤔

Depending on how your business is set up, lenders might look at salary, dividends, drawings, net profit, or a mix of these.

You may need to share things like accounts, SA302s, tax year overviews, bank statements, and proof of current income. 📄

Two years of accounts isn't always the full picture either. Some lenders need more trading history; others are happy with 12 months of accounts. It's all about knowing who's who!

Sole traders and limited companies get assessed differently too, so your business structure matters.

If your income has shifted recently, it's worth understanding how that might be viewed before you apply. 🔎

Thinking about a mortgage soon? Speak to us first and we'll talk you through it. 🏡

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS

Most new buyers put all their energy into the mortgage, the deposit and the monthly numbers. 🏠Protection sometimes gets ...
19/10/2026

Most new buyers put all their energy into the mortgage, the deposit and the monthly numbers. 🏠

Protection sometimes gets left off the list. 🤫

Here's the thing, your mortgage doesn't care if you're off work ill or unable to earn. It still needs paying.

If your household relies on two incomes, losing either one could make things tight fast.

Protection doesn't just stop at life cover either. It can include income protection if you can't work, or critical illness cover if you're diagnosed with a serious illness. 🛡️

You may decide on one type of protection or decide to cover all your bases by combining income protection, critical illness cover and life insurance.

We'll talk through the benefits of each to help you decide which suits your needs (and budget)!

Getting the keys to your first place is a good moment to check your cover actually matches your new situation. 🔑

Want to talk it through? Speak to us, no pressure, just a proper look at what fits you. 💬



Source: https://theintermediary.co.uk/2026/09/more-than-a-third-of-ftbs-do-not-recall-receiving-protection-advice-data-finds/

We get it, house hunting is half spreadsheet, half daydream.You send the Rightmove link 📄We check what you can actually ...
18/10/2026

We get it, house hunting is half spreadsheet, half daydream.

You send the Rightmove link 📄

We check what you can actually afford and how the rates stack up (and we're just as happy as you are when you find your dream home)! 🔢

But quietly, we're also having opinions about that kitchen tile choice

Someone has to!

Once your offer gets accepted, that's when we really get to work. 💪🏼

Sorting your mortgage, explaining every step in plain English, and shaping it all around what you actually need

No jargon, no confusion, just us in your corner with tailored advice from Rightmove link to keys 🏡

Send us the next listing. We'll sort the sums and enjoy the decor scroll with you. ☎️

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS

15/10/2026

Why wait till the housewarming to pop the ch*****ne? We reckon you could do it as soon as the offer letter lands 🥂

The best time to get protection was 5 years ago; the second best time is today! 🔊Sorting your protection before you need...
13/10/2026

The best time to get protection was 5 years ago; the second best time is today! 🔊

Sorting your protection before you need it doesn't just save you stress; it could also save you money, as premiums are often more affordable the younger and healthier you.

Reach out to sort your protection today ☎️

CIS worker? Getting a mortgage sorted can feel more complicated than it should be. 🛠️Lenders often struggle to work out ...
12/10/2026

CIS worker? Getting a mortgage sorted can feel more complicated than it should be. 🛠️

Lenders often struggle to work out true income when it's made up of contracts, deductions, and payments that change month to month.

We look at it differently.

We know how CIS pay works, what lenders want to see, and how to present your income so it works in your favour. 🤩

That means less confusion and more chance of borrowing what you actually need.

If you're ready to see what's possible, speak to us. We'll help build a clear picture of your mortgage options. 🏗️

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS

Still think there's no time to get into your first home this year? Think again. 🏠There's more time than you'd expect, bu...
11/10/2026

Still think there's no time to get into your first home this year? Think again. 🏠

There's more time than you'd expect, but the first step needs to happen now.

Speaking to us about how much a lender might offer you means you'll get what's called an agreement in principle.

It's basically a lender's early indication of what they'd be willing to lend, based on your circumstances. 💷

Having this sorted puts you in a stronger spot when you start viewing properties and making offers because it shows sellers that you mean business!

From there, it's about finding the place, getting your offer accepted, and working through the steps to moving day.

It can happen quicker than people assume.

Get in touch with us and let's see where you stand. 📲

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS



Source: https://www.gov.uk/government/news/new-first-time-buyer-scheme-to-be-confirmed-at-budget? https://www.gov.uk/government/statistics/uk-house-price-index-for-may-2026/uk-house-price-index-summary-may-2026?

08/10/2026

Thinking you always need a 20% deposit is an outdated belief we're glad to dispel!

We're seeing more and more 5%, 2%, and even 0% deposit mortgages hit the market 🤩

We'll take a look at your current situation to find out if a low-deposit mortgage could work for you - all you need to do is reach out 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS

We often talk about mortgage myths on here, but we reckon it's time to shed some light on some remortgage myths 🔎Did you...
08/10/2026

We often talk about mortgage myths on here, but we reckon it's time to shed some light on some remortgage myths 🔎

Did you believe any of these misconceptions? 🤔

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS

Address

40 Charlotte Square
Edinburgh
EH24HQ

Website

Alerts

Be the first to know and let us send you an email when Liam Fontaine - HWM Mortgage and Protection Specialist posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Liam Fontaine - HWM Mortgage and Protection Specialist:

Shortcuts

Share

Category