Hodgson Financial

Hodgson Financial Fast, simple, stress-free mortgage advice. From first homes to remortgages — we make it happen. 💪🏡

Another 5 ⭐ Review!!! - Buying a home can be stressful, but it doesn’t have to be. Clear advice, constant updates and be...
17/03/2026

Another 5 ⭐ Review!!! - Buying a home can be stressful, but it doesn’t have to be. Clear advice, constant updates and being there when you need it is what makes the difference.

If you’re thinking about moving, remortgaging or just want to know your options, feel free to drop us a message.

📈 Rates are rising - 🏦 Lenders are reacting- 📅 Renewing in the next 6 months? 🔒 Securing early could protect you from fu...
13/03/2026

📈 Rates are rising - 🏦 Lenders are reacting- 📅 Renewing in the next 6 months?

🔒 Securing early could protect you from further increases

💷 Planning ahead can help avoid payment shock

24/02/2026

🏡 Big Plans This Year?

Moving in together?
Outgrown your place?
Fed up paying someone else’s mortgage?
Remortgage due soon?

If buying or reviewing your mortgage is even slightly on your mind… let’s talk.

You don’t need:
❌ A massive deposit
❌ Perfect credit
❌ To be ready tomorrow

You just need to know your options.

Sometimes a quick chat is all it takes to realise you’re closer than you think.

New year, same bills, and somehow January feels about 74 days long 😅We’ve had a really busy start to the year with mortg...
16/01/2026

New year, same bills, and somehow January feels about 74 days long 😅

We’ve had a really busy start to the year with mortgage applications keeping us flat out, but if buying, remortgaging, or just seeing if you could save a bit each month is on your mind, now’s a great time to have a chat.

Less stress, less guesswork, and hopefully a bit more money left at the end of the month 🤞🏡

A good mortgage won’t fix January… but it might help February onwards 😉

Pop us a message and we’ll have a chat.

20/12/2025

🎄 A Christmas Thank You 🎄

As the year comes to a close, I just want to say a huge thank you to every single client who has supported us this year 💙

Whether you’ve taken out a mortgage, reviewed your protection, referred a friend, or simply trusted us for advice, it honestly means more than you know. Running a small business is only possible because of people like you, and I never take that trust for granted.

Helping people buy homes, remortgage, protect their families and plan for the future is something I’m incredibly proud of. 🤝🏡

🎅 Christmas & Office Update

The office will be closed for new business from Tuesday 23rd December until Monday 5th January.
Existing clients can still contact us in the usual way for any urgent enquiries, and we’ll always do our best to help 📞📧

Wishing you all a very Merry Christmas 🎄 and a happy, healthy New Year 🥂
Thank you again for your continued support, and I look forward to working with you again in 2026.

Joe 💙✨

18/12/2025

📉 Base rate cut what it means for mortgages

The Bank of England has cut the base rate again, now 3.75%, the lowest level in nearly two years.

This cut was widely expected, so most lenders had already priced it in.

What this means:
• Fixed rate nothing changes until your deal ends. New fixed rates may edge down slightly, but don’t expect big drops overnight.
• Tracker rate your rate should fall by 0.25% automatically.
• Variable / SVR lenders usually pass on a reduction, though it can take a few weeks and doesn’t have to be the full amount.

As a rough guide, a 0.25% cut = about £15 per month per £100,000 borrowed.

If your fix is ending soon or you’re unsure what you’re on, it’s worth checking your options.

Just seen this post and honestly… it’s heartbreaking.Their warehouse is completely empty and there are still thousands o...
05/12/2025

Just seen this post and honestly… it’s heartbreaking.

Their warehouse is completely empty and there are still thousands of kids waiting for gifts this Christmas. I can’t imagine any child waking up to nothing.

We’re making a donation, but they really need all the help they can get right now. Even one small gift makes a massive difference.

If you can donate or even just share their post, it would mean the world.

Let’s help fill that warehouse and make sure these kids have something to open on Christmas morning ❤️🎁

🎃 No tricks. Just treats.🎃Great mortgage advice that won’t come back to haunt you 👻
31/10/2025

🎃 No tricks. Just treats.🎃
Great mortgage advice that won’t come back to haunt you 👻

17/10/2025

🏡 Fastest Mortgage Offer Ever!

A great result for one of my first-time buyers today — just a 10% deposit, application submitted at 2:45pm, quick call to the bank to confirm a few details and the mortgage offer was issued within 5 minutes!

Auto valuation done ✅
Open Banking used ✅
No document requirements ✅
Amazing how smooth the process can be when everything lines up perfectly!

If you’re thinking about buying your first home and want the process to be as quick and stress-free as possible, get in touch — this is what we do every day!

Are you paying more than you need to?
18/09/2025

Are you paying more than you need to?

We’ve been busy helping clients secure the best mortgage solutions for their unique journeys — and we’re proud of what w...
18/06/2025

We’ve been busy helping clients secure the best mortgage solutions for their unique journeys — and we’re proud of what we’ve achieved this month so far! 🙌

Here’s a snapshot of the incredible variety of cases we’ve supported:

🔑 First-Time Buyers

We’ve helped first-time buyers navigate the market with confidence — securing deals with low deposits, lender incentives, and flexible affordability options. Tip: If you’ve been told “no” before, the right broker can open doors.

🏠 Home Movers

Whether up-sizing or relocating, we’ve helped movers lock in competitive fixed rates, port existing deals, and budget wisely by comparing total costs – not just monthly payments.

📈 Buy-to-Let (BTL) Purchases & Remortgages

From first-time landlords to seasoned investors, we’ve arranged funding on both standard and portfolio BTLs. Including:

✅ Personal & Ltd Company purchases
✅ Capital raising for further investments
✅ Interest-only options for max cash flow

🛠 Auction Purchases

We’ve moved quickly to secure finance for clients snapping up properties under the hammer. Speed is everything at auction – and we deliver.

🔁 Product Transfers

Some clients didn’t need to move lender – they just needed the best new deal. We helped them avoid unnecessary fees and paperwork while locking in better rates before the next rise.

🏛 Limited Company Mortgages

More landlords are choosing to buy via Ltd Companies to maximise tax efficiency. We’ve supported new SPVs and existing structures, with lenders who understand portfolio lending.

🤝 Transfers of Equity

Life changes – and we’ve helped clients restructure ownership on properties, ensuring the mortgage side is handled smoothly. This includes removing or adding parties, refinancing, and working with solicitors to keep things on track.

💡 Quick Tip:

If you're unsure what type of mortgage is right for your situation, a chat with a broker (like us!) can save you £££ in the long run. It’s not just about the rate – it’s about the whole strategy.

08/05/2025

🎉 Good news! The Bank of England has cut interest rates!

What does that mean in plain English? If you’ve got a mortgage (or want one), this could be your chance to save some money 💸

🏡 On a tracker or variable rate? Your payments might go down.
🔐 Fixed rate coming to an end? Now’s a great time to look at what’s out there.

🧑‍💼 First-time buyer? Lower rates = better affordability = happy days.

We make mortgages make sense. No stress, no jargon – just friendly advice to help you figure out what works best for you.

Address

Office 11, 10 Stephenson Court
Middlesbrough
TS66UT

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