Becky Hudson, Mortgage and Protection Advisor

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United Kingdom
Sheffield
Becky Hudson, Mortgage and Protection Advisor

Mortgage and Protection Adviser. I am passionate in ensuring everyone has the right protection not only for themselves, but for their families too.

I know from personal experience what a difference having the right financial protection can make in a time of such turmoil. It is this personal touch that I keep in my heart and mind when I endeavour to meet every persons’ needs. By letting me take care of the process of arranging you the right mortgage, to suit your needs, and by providing you with the right protection, I can give you time to spe

nd with your loved ones, doing the things you enjoy today. Let me enable you to live in the present moment knowing the future would be taken care of.

02/09/2026

Taking your first step onto the property ladder is exciting - and I’m here to make it feel a bit easier 🏡💛
If you want to explore flexible first‑time buyer options, just drop me a message 💬

27/08/2026

🏡 Case Study: Taking Over a Joint Mortgage With Ease

This week I supported a client who needed to take over a mortgage that was previously in joint names. Situations like this can feel overwhelming, but with the right guidance, the process doesn’t have to be stressful.

We worked through the lender’s requirements, gathered the necessary documents, and completed the application with minimum fuss and maximum support. The client now has the mortgage solely in their name and can move forward with confidence.

If you’re facing a similar situation and don’t know where to start, I’m here to help you navigate it step by step.

21/08/2026

✨ Thinking of Buying a Relative’s Home at a Discount? Read This. ✨

A client recently came to me stuck - they’d been offered a generous discount on a relative’s property, but most lenders wouldn’t allow it because the seller wasn’t “immediate family”.

Instead of letting the opportunity slip away, I sourced a lender who would accept the gifted equity.

✨Result: my client secured the home at the discounted price and saved a significant amount.✨

If you’re exploring a family sale or a gifted purchase, don’t assume it can’t be done.

The right lender - and the right advice - can make it happen.

Message me if you want to check what’s possible for your own plans.

14/08/2026

✨ Case Scenario: Turning a Tired Cottage into a High‑Value Home

A first‑time buyer I’m supporting is purchasing a cottage that needs major work. It’s being sold at a very modest price, but once renovated, the expected value is more than double the purchase price.

The property needs clearing, updating, and substantial investment — but with the right lender, the project is completely viable.

We’re using:
• A renovation mortgage based on end value
• Stage‑released funds to support each phase of work
• Family financial help to kick‑start the renovation
• EPC‑linked incentives to reduce the interest rate
• A lender comfortable with properties that aren’t yet habitable

It’s a big project, but the right finance can turn a challenging property into a dream home.

If you’re looking at a fixer‑upper, renovation finance might be the key to unlocking its potential.

07/08/2026

⭐ Real Life Scenario – Income Protection Matters

Last week I helped a client who had recently been given the all‑clear after a long period of medical uncertainty. Despite her brilliant news, her previous insurer still wasn’t willing to remove an exclusion, which meant her cover wouldn’t fully protect her if she ever needed to claim.

After reviewing the market and speaking directly with providers, we found an alternative insurer who was willing to consider her for Income Protection - with no ratings and no exclusions. This gave her full, fair protection and a policy she can genuinely rely on.

Every situation is different, and sometimes the right solution means looking beyond the cheapest option and choosing the provider who will actually support you when it matters.

If you’re unsure whether your current cover still fits your circumstances, I’m here to help.

03/08/2026

🔥 Mortgage Rate Ending Soon? Don’t Miss Out. 🔥

A product transfer (rate switch) keeps you with your current lender - but the right deal can save you money.

💡 Why get advice?
✔️ We check your future plans.
✔️ We show if a fee‑based rate is truly worth it.
✔️ We help you avoid early repayment charges.
✔️ We handle everything - no hassle.
✔️ We monitor rates and secure a better one if they drop.

It’s easy to pick the wrong deal alone. Let’s make sure you get the best rate and the best outcome.

If your rate ends this year, message me - securing early can save money and stress.

31/07/2026

✨ Locking in Rates Early = Stress Saved ✨

With interest rates changing so often, many of my clients are choosing to secure a new rate up to 6 months before their current deal ends. It gives them protection now, and flexibility later.

Here’s the best part: When we get closer to their deadline, I check their current lender again. If the rate has improved, it’s a no brainer - we simply switch back to the existing lender.

No extra work. No hassle. No stress.

I handle everything behind the scenes so my clients stay protected and get the best deal available at the time.

If your rate ends this year, now is the perfect time to explore your options.

21/07/2026

✨ Case Study: Credit Bumps Don’t Mean the End of the Road ✨

A client came to me with a credit file full of old issues — defaults, CCJs, arrangements to pay. They’ve worked hard to turn things around, but many lenders still focus on the past.

Sometimes the goal isn’t getting a mortgage today. It’s building a clear plan so that “not yet” becomes “yes”.

We mapped out exactly what needs to improve and when lenders will start viewing their credit more positively. They left with direction, hope and a realistic timeline.

Your credit history doesn’t define your future. With the right plan, homeownership stays firmly on the table.

23/09/2025

Imagine being mortgage free and owning your home sooner!

By shortening your mortgage term, you can unlock incredible savings on interest payments and accelerate your journey to financial freedom. If you're due for a mortgage review, let's explore the possibilities together! 🏠💸

08/09/2025

To secure your home purchase, a deposit equivalent to at least 5% or 10% of the property's value is necessary.

Let's have a chat and look at how much you would be able to borrow, so that you know how much you need to either save or have gifted by a family member.

Address

CFC House, Woodseats Close
Sheffield
S80TB

Telephone

+447342967890

Website

https://www.rhfinancialconsultants.co.uk/

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