HP Mortgages

24/04/2026

If you can afford rent… you might be able to afford to buy 👀
There’s a mortgage product designed specifically for renters who feel stuck saving for a deposit:
🏡 Up to 100% mortgages available, meaning no deposit needed in some cases
📊 Your rental history can help prove affordability
💸 Even a small or gifted deposit (under 5%) can be considered
📅 Option to delay your first mortgage payment after completion
It’s aimed at people who:
✔ Have been consistently paying rent
✔ Haven’t owned a property recently
✔ Are ready to step onto the ladder but struggle with upfront costs
One thing I always say — this isn’t for everyone. Monthly payments can be higher than your rent, and you still need to meet criteria.
But for the right person, this can remove one of the biggest barriers to buying.
📩 If you’re renting and wondering if this could work for you, message me and I’ll break it down in plain English
Subject to eligibility and lending criteria.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.
Contact Jenny 07818132217 or [email protected]

20/04/2026

According to the Sunday Times recent report, lenders are withdrawing mortgage products and rates continue to rise. But worry not. As your mortgage broker, I can confirm that there are still plenty of products available, and we are here to support you and answer any questions you may have.
Contact Jenny on 07818132217 - [email protected]. www.hp-mortgages.co.uk
YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES

26/03/2026

Your Biggest Asset Isn’t Your Home — It’s Your Income 💷
Most people insure the things they can see 👀
🏠 Their home
🚗 Their car
📱 Even their phone
But very few protect the one thing that pays for all of it:
👉 Your income
Think About This for a Moment 🤔
If your income stopped tomorrow due to illness or injury:
How long could you cover your bills? 💸
Would your savings be enough? 📉
What would happen to your lifestyle?
For most people… the answer isn’t reassuring.
Your Income Is Worth More Than You Realise 💰
Over your working life, your income could be worth hundreds of thousands, often millions, of pounds.
That makes it your largest financial asset by far.
Yet it’s often the least protected ⚠️
This Is Where Protection Makes the Difference 🛡️
The right cover is designed to do one thing:
👉 Keep money coming in when you can’t work
Income Protection 💷 — replaces part of your salary if you’re off work
Critical Illness Cover ❤️ — pays a lump sum when you need it most
Life Insurance 👨‍👩‍👧 — protects the people who rely on you
The Cost of Doing Nothing 🚨
Without protection, losing your income can quickly lead to:
Draining your savings 💸
Relying on credit 📊
Financial stress when you least need it 😓
With the right cover, you get:
✅ Stability
✅ Peace of mind
✅ Financial security
You insure your car 🚗
You insure your home 🏠
So why not insure the income that pays for both?
Let’s Get It Sorted ✅
There’s no one-size-fits-all solution.
The right protection depends on you, your lifestyle, your goals, and your responsibilities.
💬 Let’s have a quick conversation and make sure your biggest asset is properly protected.

Contact Jenny on 07818132217 or [email protected]
www.hp-mortgages.co.uk

25/03/2026

We saw a number of lenders increase their mortgage rates last week, showing just how quickly the market can change.
For anyone looking to buy, re-mortgage, or secure a new deal, keeping up with these changes can feel overwhelming.
This is where using a mortgage broker can really help 👇
🔎 Access to a wide range of lenders – not just the ones you see on the high street
📊 Up-to-date market insight – we keep track of rate changes as they happen
💡 Tailored advice – finding the most suitable deal for your personal circumstances
⏱️ Saving you time and stress – we compare options and handle the process for you
With rates changing regularly, having someone monitoring the market and guiding you through it can make all the difference.
If you’re thinking about buying, re-mortgaging, or reviewing your current deal, now is a good time to speak to a broker.
📩 Feel free to message us to explore your options.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Contact Jenny 07818132217 or email [email protected]
www.hp-mortgages.co.uk

19/03/2026

Looking to remortgage?
There are a variety of reasons people look to arrange a remortgage. Whether you want to cut your costs by moving to a more competitive rate or simply need to raise some extra cash, remortgaging can work for all kinds of purposes.
YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES
Contact Jenny 07818132217 [email protected]

25/02/2026

🏡 Would you want to be able to borrow up to 7x your income — AND have your interest rate reduce automatically?

A lender has introduced criteria and product features designed to offer greater borrowing power for you...

Here’s what that could mean:

✨ You can borrow up to 7x income (subject to eligibility and affordability checks) - Traditionally, many lenders use around 4.5x income as a guide
✨ Your interest rate may reduce automatically as your loan-to-value (more equity in your home) improves
✨ Longer fixed-rate options available for added payment stability



📊 Example:
If you earn £50,000 per year:

• At 4.5x income, you might borrow around £225,000
• At 7x income, that could increase to £350,000


That’s a potential difference of £125,000 in borrowing power!! (subject to full affordability assessment).


💡 Why this matters:

✔ Greater potential borrowing capacity where appropriate

✔ More flexibility when purchasing in higher-priced
areas

✔ The opportunity to benefit from a lower rate over
time as equity increases

✔ An alternative to traditional lending models

If you’d like to explore what may be available to you, feel free to get in touch 📩 [email protected] 07818132217



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact
amount will be based on your circumstances.’



Pre-approved Image:

18/02/2026

🔥 £15 Billion Boost for UK Homes – What It Means for Your Mortgage 🏡

The Government has announced a major Warm Homes Plan, investing £15bn to make homes warmer, greener and cheaper to run.

But this isn’t just housing news, it’s mortgage news too. 👇

Here’s what it could mean for you:



✨ Up to 5 million homes upgraded by 2030- with many homeowners potentially using remortgages or further advances to fund upgrades that could reduce monthly energy bills, improving affordability.

✨ Potentially lower energy bills, again, improving overall affordability
✨ Grants for insulation, solar panels & heat pumps
✨ More support for lower income households - helping eligible homeowners reduce running costs through funded upgrades
✨ A push for more energy-efficient rental properties



💡 Why this matters for mortgages:



✔ Lower household bills can strengthen affordability when
applying for a mortgage

✔ Energy-efficient homes may qualify for certain green
mortgage incentives such as cashback

✔ Home improvements could increase property value ahead
of a remortgage, freeing up more equity in your home

✔ Landlords may need to upgrade to meet future lending
& EPC expectations

If you're buying, remortgaging or planning home improvements, now is a great time to review your mortgage options.

Want to see how this could work for you? Drop us a message 📩

[email protected]
07818132217





Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

12/02/2026

The Bank of England is currently at 3.75%
Want to know what that means for you and your mortgage?
Get in touch with us today and let us help break it down.
Contact Jenny on 07818132217 or email [email protected]
www.hp-mortgages.co.uk
YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

12/02/2026

🏡 Yes, really… just a 2% deposit

Getting your first home might be closer than you think. That’s why we want to shout about a new product introduced to market this week, where first-time buyers can borrow up to 98% of the property value - meaning you only need a 2% deposit! 💥


💷 That’s from £10,000 towards your first home.

✨ Why this matters:
• One of the highest loan to value mortgages currently available
• Perfect if saving a big deposit feels out of reach
• 5-year fixed rate for stability
• No product fee
• Free valuation + £250 cashback
• Gifted deposits accepted from family or friends

This mortgage is designed to help first-time buyers step onto the property ladder sooner — without waiting years to save a bigger deposit.

📩 Think a 2% deposit could work for you? Send us a message and we can help!
Contact Jenny on 07818132217 or email [email protected]

www.hp-mortgages.co.uk

First-time buyers only. Eligibility criteria apply.



Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your your circumstances

Award Winning Broker Hassle Free Mortgages By Jenny Make sure your first application is the right application, no more delays. Book An Appointment Contact us With access to the whole of market How does it work? The Process Initial call Let's grab a coffee and get to know more about you, your goals,....

06/02/2026

💡 Struggling to juggle credit cards, loans or store cards?
You’re not alone - and there may be a way to simplify things.

I have access to a lender that offers a debt consolidation mortgage option up to 80% loan to value, so only 20% equity in your home! It is designed to help homeowners bring multiple debts together into one manageable monthly payment.

This could help if you’re dealing with:
✔️ High credit card balances
✔️ Multiple monthly debt repayments
✔️ Recent ups and downs with your credit

✨ Why this option works for many homeowners:
• No strict income-to-debt limits
• Debts paid off as part of the mortgage aren’t counted again in affordability
• No set limit on how much debt can be consolidated
• Larger balances considered sensibly, based on your recent spending
• No special or higher-priced products - it’s part of the lender’s standard range
• Interest-only options available with flexible repayment plans

If you’re looking to reduce monthly outgoings and get back in control of your finances, it’s worth having a conversation.

📩 Message us to see if this could work for you.



Subject to eligibility criteria.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.’’


Contact Jenny on 07818132217 or email [email protected]

Award Winning Broker Hassle Free Mortgages By Jenny Make sure your first application is the right application, no more delays. Book An Appointment Contact us With access to the whole of market How does it work? The Process Initial call Let's grab a coffee and get to know more about you, your goals,....

14/01/2026

Struggling to get on the property ladder? 🏡

What if I said there’s a way to get a mortgage with the help of family or friends, without everyone owning the property?

✨ Joint Borrower, Sole Proprietor mortgages allow:
• Up to 4 applicants & 4 incomes
• Support from family or non-family members
• Extra borrower(s) can live in the property
• One person owns the home


Perfect if you need help with affordability but want the home in your name!


📩 Get in touch today to see if we can help...
Contact Jemny on 07818132217 or email [email protected]
www.hp-mortgages.co.uk


Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.’

Award Winning Broker Hassle Free Mortgages By Jenny Make sure your first application is the right application, no more delays. Book An Appointment Contact us With access to the whole of market How does it work? The Process Initial call Let's grab a coffee and get to know more about you, your goals,....