HP Mortgages

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HP Mortgages Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from HP Mortgages, Insurance broker, 7 Wilson park, Manchester.

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

When your fixed rate mortgage deal ends, your mortgage will revert to your lender’s standard variable rate (SVR).It’s im...
28/09/2026

When your fixed rate mortgage deal ends, your mortgage will revert to your lender’s standard variable rate (SVR).
It’s important to understand what this could mean for you, and what (if anything) you should do about it.
If you’re unsure about your options, get in touch to find out more.
Contact Jenny on 07818132217 or email [email protected]
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

Which Protection Product Solves Which Problem? 🤔Many people know they should have protection in place, but they’re not a...
08/09/2026

Which Protection Product Solves Which Problem? 🤔
Many people know they should have protection in place, but they’re not always sure which type of cover does what.
Here’s a simple guide:
❤️ Life Cover
Problem it solves: Your family would struggle financially if you died.
Solution: A lump sum payment to help support your loved ones, pay off debts or cover living costs.
🩺 Critical Illness Cover
Problem it solves: You’re diagnosed with a serious illness and need financial support during recovery.
Solution: A tax-free lump sum that can be used however you choose, whether that’s paying the mortgage, replacing lost income or adapting your home.
💼 Income Protection
Problem it solves: You can’t work due to illness or injury.
Solution: A regular monthly income to help cover your essential bills while you recover.
Think of it like this:
✔️ Life Cover protects your family’s future.
✔️ Critical Illness Cover protects your recovery.
✔️ Income Protection protects your monthly income.
Each product is designed to solve a different problem, and for many people, they work best together.
Not sure which protection is right for you? Let’s have a chat.
👉📞Reply to this post or contact us on 07818132217 to arrange your review, or email [email protected]

www.hp-mortgages.co.uk

🏡 Buying a home? Don’t forget these costs…Saving for your deposit is a huge milestone, but it’s only one part of the bud...
07/09/2026

🏡 Buying a home? Don’t forget these costs…
Saving for your deposit is a huge milestone, but it’s only one part of the budget when buying your home.
Before you get the keys, it’s worth planning for a few other costs too, including:
✔️ Solicitor fees
✔️ Building Survey costs
✔️ Mortgage broker fees
✔️ Mortgage lender and valuation fees (where applicable)
✔️ Stamp Duty (if payable)
✔️ Buildings & Contents insurance
✔️ Removal costs
✔️ Furniture, decorating and those little extras that soon add up
Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I’m here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.
📩 Thinking about buying your first home or moving house? Get in touch and let’s make sure you’re fully prepared.

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.

Phone Jenny for more information on 07818132217 or contact [email protected]

AI Can’t Fight Your Corner. I Can.AI is changing the mortgage industry.It can compare rates, it can search criteria, it ...
29/06/2026

AI Can’t Fight Your Corner. I Can.
AI is changing the mortgage industry.
It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that’s great.
📞But when a lender has concerns about your application, AI isn’t picking up the phone to speak to an underwriter.
🗣️AI isn’t explaining why a missed payment from three years ago doesn’t reflect your situation today.
📂AI isn’t discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don’t fit neatly into a box.
🤝AI can’t build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision.
Getting a mortgage isn’t just about finding a rate, it’s about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.
Technology helps me work faster, but it isn’t the mortgage broker.

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]

If you can afford rent… you might be able to afford to buy 👀There’s a mortgage product designed specifically for renters...
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]

According to the Sunday Times recent report, lenders are withdrawing mortgage products and rates continue to rise. But w...
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

Your Biggest Asset Isn’t Your Home — It’s Your Income 💷Most people insure the things they can see 👀🏠 Their home🚗 Their c...
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

We saw a number of lenders increase their mortgage rates last week, showing just how quickly the market can change.For a...
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

Looking to remortgage?There are a variety of reasons people look to arrange a remortgage. Whether you want to cut your c...
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.’



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Address

7 Wilson Park
Manchester
M408WN

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+447818132217

Website

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