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Hockridge Mortgages & Insurance

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United Kingdom
Higham Ferrers
Hockridge Mortgages & Insurance

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Free and honest Mortgage and Protection advice. Over 25 years experience.

30/10/2026

Applying for a mortgage soon? Check your address history on EVERY active account first! 🔍

Even buyers with 750+ credit scores can face underwriter delays due to a simple Address Mismatch.

Quick 3-step checklist before applying:
👉 Forgotten Accounts: Update old phone contracts or unused bank accounts registered to previous addresses.
👉 Electoral Roll: Ensure your voter registration matches your current address.
👉 Financial Disassociation: Officially sever joint accounts or tenancy agreements with ex-partners or old flatmates via credit reference agencies.

20 minutes of preparation today saves weeks of stress later! 💡

Get in touch with Hockridge Mortgages to ensure you're 100% mortgage-ready. 📞🏠

*Your home may be repossessed if you do not keep up repayments on your mortgage.

27/10/2026

"I already have Life Insurance through my mortgage, so I'm covered if I get ill... right?" 🧐

Not quite! Here is the crucial difference every homeowner should know:

👉 Life Insurance pays out if you pass away, protecting your family's future.
👉 Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with a specified serious illness (like cancer, heart attack, or stroke).

A Critical Illness payout can pay off your mortgage, cover medical care, or allow your partner to take time off work to support your recovery. 🛡️

Want to check if your protection has hidden gaps? Contact the Hockridge Mortgages team today! 📞📩

*Your home may be repossessed if you do not keep up repayments on your mortgage.

25/10/2026

Relaxed Lender Stress Tests & Higher Borrowing Limits

Good news for home buyers: mortgage affordability rules have become much more flexible! 📊🔑

Following updated FCA guidelines, lenders are no longer required to test your borrowing against excessively high interest rate buffers (+3%).

What does this mean for you?
👉 Greater Borrowing Power: Lenders can assess affordability on actual fixed rates, helping buyers qualify for higher borrowing limits.
👉 5.5x Salary Schemes: More lenders are expanding high loan-to-income schemes for first-time buyers and professionals.
👉 Easier Switching: Existing homeowners looking to remortgage face fewer hurdles when switching deals.

If you were turned down or capped on borrowing in the past, it might be time to reassess your options! 💡

Reach out to Hockridge Mortgages today to check your true borrowing potential. 📞🏠

*Your home may be repossessed if you do not keep up repayments on your mortgage.

27/09/2026

“I just wanted to take a moment to say THANK YOU!!!! To Sorcha who handled my case. I had absolutely no idea what I was doing and had many set backs due to other circumstances. But Sorcha helped me through everything and went above and beyond to make sure I was in the know with every step of the way. Really couldn’t be happier with her kindness, patience and understanding. Thank you, Sorcha x”

Going above and beyond is just what Sorcha does! 🌟

A massive thank you to Jenni for this wonderful feedback. No matter what setbacks or questions arise, our team is dedicated to guiding you through with patience and kindness.

Looking for some mortgage or protection advice? Contact us today to see how we can assist you. 📞✉️

*Your home may be repossessed if you do not keep up repayments on your mortgage.

20/09/2026

Meet Dani Boulton, PA & Case Manager at Hockridge Mortgages! 🏡

Dani has served as PA to founder Melvyn for over 6 years, bringing prior customer service experience from Nationwide where she handled mortgages, banking, and loans.

Dani is frequently praised in our 5-star Google client reviews for her proactive and supportive approach in chasing solicitors to keep property purchase chains moving forward! 📞⚡

Dani works hard behind the scenes to keep our clients regularly updated every step of the way.

Want proactive support all the way to key handover? Reach out to our team today! 💬🔑

*Your home may be repossessed if you do not keep up repayments on your mortgage.

15/09/2026

What is an Agreement in Principle (AIP) and why do I need one? ❓🏠

An Agreement in Principle (also called a Decision in Principle or DIP) is an official document from a mortgage lender estimating how much they are willing to lend you.

Why is an AIP so important?
👉 Estate Agent Proof: It proves to sellers and estate agents that you are a serious, qualified buyer.
👉 Know Your Budget: Gives you an exact budget before house hunting so you don't fall in love with out-of-reach properties.
👉 Quick & Soft Check: Obtained quickly using a soft credit check that won't harm your credit score.

Planning to view houses soon? 🔑

Get your Agreement in Principle arranged with Hockridge Mortgages within 24 hours! 📞📩

*Your home may be repossessed if you do not keep up repayments on your mortgage.

28/08/2026

MYTH BUSTED: "I've just started a new job, so I have to wait 6 months before I can get a mortgage." 🚫

Good news: that is simply NOT true! 🥳

While high-street bank branches often prefer 3 to 6 months of payslips, independent brokers work with flexible lenders:
👉 Day-One Acceptances: Many lenders accept applications on day one of your new role if it's in a similar industry.
👉 Signed Contracts Accepted: Apply using a signed employment contract up to 3 months before your official start date.
👉 Probation Periods: Probation is not an automatic deal-breaker when your broker presents your case properly.

Don't put your dream home on hold unnecessarily! 🔑

Recently changed roles or have a new job lined up? Get in touch with Hockridge Mortgages today! 📞🏠

*Your home may be repossessed if you do not keep up repayments on your mortgage.

26/08/2026

Spotlight on Co-Director and Mortgage Advisor, Gemma David! 🌟🏠

Gemma joined Hockridge in 2012 as a PA, qualifying as a mortgage advisor in 2015 after three years of mentoring under Melvyn.

Outside the office, Gemma holds a degree in Dance and Drama, teaches Bokwa classes, and loves taking on muddy obstacle challenges like the Wolf Run! 🏃‍♀️💨

Known for her welcoming approach, Gemma makes securing a mortgage straightforward and stress-free for first-time buyers and home movers alike.

Ready to start your home buying journey? Reach out to Gemma and the team today! 📞💬

*Your home may be repossessed if you do not keep up repayments on your mortgage.

25/08/2026

Is your fixed-rate mortgage expiring in the next 6 months? Don't wait until the last minute to act! ⏱️🏠

Many homeowners don't realise most mortgage lenders allow you to lock in a new rate up to 6 months before your current deal ends.

Here’s why doing this early works in your favour:
👉 Price Protection: Secure today’s best available rate to protect against sudden rate increases.
👉 Zero Penalty: If interest rates fall before your completion date, we can simply switch you to a lower deal.
👉 No Gap Penalty: Your new deal won't start until your old deal officially finishes.

Planning ahead gives you complete peace of mind! 💡

Got a deal ending in the next 6 months? Contact the Hockridge team today for a free rate review. 📞📩

*Your home may be repossessed if you do not keep up repayments on your mortgage.

30/07/2026

Buying a home or remortgaging? Make sure your Life Insurance matches your individual circumstances!🏠💡

Which policy is right for you?
1️⃣ Decreasing Term (Best for Repayment Mortgages): The payout reduces as your mortgage balance falls over time, offering the most budget-friendly cover.
2️⃣ Level Term (Best for Interest-Only Mortgages & Family Cover): The payout stays fixed (e.g. £250,000) for the entire policy term, providing extra financial support for children's living costs.

💡 Pro Tip: Combining both gives your family maximum protection for the lowest monthly cost!

Reach out to Hockridge Mortgages today for friendly, plain-speaking insurance advice. 📞📩

*Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

International House, Midland Road
Higham Ferrers
NN108DN

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm

Telephone

+441933313888

Website

http://www.hockridge-mortgage.co.uk/

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