Charis Samuels - Hunter Mortgage & Protection Specialist

Charis Samuels - Hunter Mortgage & Protection Specialist Boutique mortgage advisor. Bespoke independent advice tailored around you, not commission. Times that suit you from the comfort of your home. Covering the UK

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. [email protected]

Before you book a single viewing, it’s worth knowing what you could actually borrow.That’s where an Agreement in Princip...
07/09/2026

Before you book a single viewing, it’s worth knowing what you could actually borrow.

That’s where an Agreement in Principle comes in. It’s a document from a lender showing roughly what they’d lend you, based on your circumstances. 💷

It’s not just about your salary either.

Lenders look at your outgoings, your credit commitments, and your overall situation before deciding what fits. 🔎

Knowing this early means you only view homes that are actually within reach.

It also means that when you do find the one, you can move quickly and show sellers you’re serious, as it helps you stand out from the competition! 🏡

So before the Rightmove scrolling begins, get your numbers sorted first.

Speak to us and we’ll help you figure out your budget before you fall for a house you can’t yet afford. 📲

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

Any day is a great excuse to put the kettle on and settle down with a warm brew. ☕️Especially when thinking about your n...
06/09/2026

Any day is a great excuse to put the kettle on and settle down with a warm brew. ☕️

Especially when thinking about your next mortgage can feel like a lot to tackle. So, what if you could get the ball rolling over a cuppa?

Our team explores a wider market and does all the homework, helping you understand your suitable options without any of the admin yourself.

We're here to help you get your mortgage sorted in the time it takes to finish a cuppa! 🙌

Book a chat with us today. 📲

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

03/09/2026

Never off the clock and always on the lookout for new mortgage products! 😉

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

01/09/2026

Your first mortgage appointment is nothing to be worried about, it's just a friendly chat about your history, goals and what home means to you. 🏠

Get in touch today!

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

When you share a home and a mortgage or rely on each other’s income, protection is worth discussing. 🏠It’s not the most ...
31/08/2026

When you share a home and a mortgage or rely on each other’s income, protection is worth discussing. 🏠

It’s not the most romantic topic, but it’s crucial when building a life together.

What would happen to your mortgage if one of you died?

Or if one of you became seriously ill and couldn’t work? 😟

Life insurance, critical illness cover, and income protection can shield against different risks.

Life insurance is the type most people are familiar with, and it pays out a lump sum after the policyholder has passed away. 💔

Critical illness cover also pays out a lump sum, but this happens after diagnosis of a serious illness like stroke, a heart attack, or cancer. 🎗️

Income protection is a little different; it could provide a portion of your monthly salary for the duration of your illness. 💷

Your cover should reflect your mortgage, income, and family circumstances.

It’s about preparing for the unexpected, not expecting the worst.

Have THE talk, then speak to us about your options.

Get in touch today. 📲📲

Your bank can only show you their own mortgage products. 🏡When you go directly to them for a mortgage, you're only seein...
30/08/2026

Your bank can only show you their own mortgage products. 🏡

When you go directly to them for a mortgage, you're only seeing one small part of the market.

Different lenders assess your affordability and credit differently, too. What suits one person might not suit another.

Our team compares options from a wide range of lenders to find something tailored to you.

This means you could save money or have a much better chance of being approved. ✅

We handle the research and do the shopping around, so you don't have to. It's all sorted for you.

Let's chat about your options. 📞

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

27/08/2026

3 things to consider when moving home

1️⃣ Porting - taking your rate with you when you move
2️⃣ Secure a new rate for the remainder
3️⃣ Budget for other costs like surveys, solicitor fees and Stamp Duty

Get in touch today! 📲

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

Being a first-time buyer can be intimidating when you're hit with information overload about the dos and don'ts. So, we'...
25/08/2026

Being a first-time buyer can be intimidating when you're hit with information overload about the dos and don'ts.

So, we've shared some of the ways we look out for you! 💪🏼

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

Looking to buy a fixer-upper and turn it into your dream home? It's more possible than you might think! 🏡Many people won...
24/08/2026

Looking to buy a fixer-upper and turn it into your dream home?
It's more possible than you might think! 🏡

Many people wonder if you can even get a mortgage for a home needing a bit of TLC.

The truth is, you often can, but the property's condition plays a big part in whether lenders will consider it.

Some may even need specialist mortgage options if they're not quite up to standard for a regular mortgage.

This is where our team comes in.
We understand what lenders look for – the property itself, your finances, and the renovation plans. 🔨

Getting advice and your Agreement in Principle (AIP) sorted before you even make an offer is a smart move.

Your AIP shows you how much you could borrow, potentially opening up more options than just that fixer-upper!

We help you find suitable options for those exciting renovation opportunities.

Let's chat about your options. 📞

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

You don't need squeaky-clean credit to secure a mortgage. 🏡It's a common worry, but a less-than-perfect credit history d...
23/08/2026

You don't need squeaky-clean credit to secure a mortgage. 🏡

It's a common worry, but a less-than-perfect credit history doesn't mean your homeownership dreams are over.

It just changes your application a little. It’s never an automatic no.

Specialist lenders that we have access to, simply look at a few things:

- Details of your credit history 💳
- Your credit report 📃
- Proof that any satisfied debts have been cleared (if applicable) ✅
- Your income and bank statements 💷

Our team helps with these situations and knows exactly how to present the paperwork! 📄

Let's chat about your options. 📞

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

Address

40 Charlotte Square
Edinburgh
EH24HQ

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