HHH Mortgages

04/11/2026

Thinking about your next move as a property landlord?

New research commissioned by Paragon Bank suggests that 38% of buy-to-let landlords with mortgages plan to refinance over the next 12 months.

With a significant number of buy-to-let mortgage deals due to mature, now could be a good time to start thinking about what comes next.

A remortgage isn't just about reviewing your current rate. Depending on your circumstances and lender criteria, it may also be worth exploring options for raising finance against a property, funding improvements or supporting future investment plans.

If you have several properties, reviewing your borrowing across the portfolio could also help you understand your options.

Thinking ahead? Our team can help you explore the mortgage options available for your circumstances.

Get in touch for a free, no-obligation initial consultation.

https://www.hhhmortgages.com

𝘚𝘰𝘶𝘳𝘤𝘦: 𝘗𝘢𝘳𝘢𝘨𝘰𝘯 𝘉𝘢𝘯𝘬 𝘳𝘦𝘴𝘦𝘢𝘳𝘤𝘩 𝘤𝘰𝘯𝘥𝘶𝘤𝘵𝘦𝘥 𝘣𝘺 𝘗𝘦𝘨𝘢𝘴𝘶𝘴 𝘐𝘯𝘴𝘪𝘨𝘩𝘵, 𝘳𝘦𝘱𝘰𝘳𝘵𝘦𝘥 𝘣𝘺 𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘚𝘰𝘭𝘶𝘵𝘪𝘰𝘯𝘴, 30 𝘖𝘤𝘵𝘰𝘣𝘦𝘳 2026.

𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘢 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯 𝘵𝘰 𝘵𝘢𝘬𝘦 𝘰𝘶𝘵 𝘰𝘳 𝘤𝘩𝘢𝘯𝘨𝘦 𝘢 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦. 𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘢𝘷𝘢𝘪𝘭𝘢𝘣𝘪𝘭𝘪𝘵𝘺 𝘢𝘯𝘥 𝘴𝘶𝘪𝘵𝘢𝘣𝘪𝘭𝘪𝘵𝘺 𝘥𝘦𝘱𝘦𝘯𝘥 𝘰𝘯 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴, 𝘭𝘦𝘯𝘥𝘦𝘳 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢 𝘢𝘯𝘥 𝘢𝘧𝘧𝘰𝘳𝘥𝘢𝘣𝘪𝘭𝘪𝘵𝘺. 𝘠𝘰𝘶𝘳 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.

04/11/2026

Saving for a house deposit isn't for the faint-hearted. But when all those little sacrifices finally pay off?

Worth every reduced-to-clear dinner.

First-time buyers, we salute you 🫡

03/11/2026

Good news for holiday let owners in England! 🏡

Self-catering holiday lets are included in the increase to the Small Business Rate Relief threshold, from £12,000 to £18,000.

This could mean some eligible holiday let businesses benefit from reduced business rates, helping to ease some of the costs involved in running a property.

There are conditions to meet, including the property's rateable value and eligibility for the Retail, Hospitality and Leisure (RHL) multiplier.

𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭, 𝘵𝘢𝘹 𝘰𝘳 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘳𝘢𝘵𝘦𝘴 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘌𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺 𝘧𝘰𝘳 𝘚𝘮𝘢𝘭𝘭 𝘉𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘙𝘢𝘵𝘦 𝘙𝘦𝘭𝘪𝘦𝘧 𝘥𝘦𝘱𝘦𝘯𝘥𝘴 𝘰𝘯 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴 𝘢𝘯𝘥 𝘵𝘩𝘦 𝘳𝘦𝘭𝘦𝘷𝘢𝘯𝘵 𝘲𝘶𝘢𝘭𝘪𝘧𝘺𝘪𝘯𝘨 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢. 𝘗𝘳𝘰𝘱𝘦𝘳𝘵𝘺 𝘰𝘸𝘯𝘦𝘳𝘴 𝘴𝘩𝘰𝘶𝘭𝘥 𝘤𝘩𝘦𝘤𝘬 𝘵𝘩𝘦𝘪𝘳 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺 𝘸𝘪𝘵𝘩 𝘵𝘩𝘦𝘪𝘳 𝘭𝘰𝘤𝘢𝘭 𝘢𝘶𝘵𝘩𝘰𝘳𝘪𝘵𝘺 𝘰𝘳 𝘢 𝘴𝘶𝘪𝘵𝘢𝘣𝘭𝘺 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘦𝘥 𝘱𝘳𝘰𝘧𝘦𝘴𝘴𝘪𝘰𝘯𝘢𝘭.

31/10/2026

Good job your mortgage adviser is here to separate the facts from the Google-induced panic 🦸‍♂️📑

30/10/2026

28/10/2026

So, what does the Budget mean for your plans to buy a home or review your mortgage?

There are a few announcements that caught our attention.

Saving for your first home? 🏡 A new £4.7 billion equity-loan scheme aims to help 70,000 households onto the property ladder. We’re still waiting for the finer details, including who can apply and how the scheme will work.

Keeping an eye on your spending? 💷 Changes to energy standing charges and temporary reductions in tariffs on more than 100 food and drink products could affect household budgets.

A landlord? 🏘️ Changes to the taxation of property income could affect your rental finances, so it’s worth finding out what they mean for your circumstances.

There’s a lot to take in after a Budget, and not every announcement will affect everyone in the same way.

If you're thinking about buying, moving or sorting your next mortgage, have a chat with our team. We're happy to help you explore your options.

Get in touch for a free, no-obligation initial consultation.

𝘛𝘩𝘦 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘈𝘯𝘺 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘢𝘱𝘱𝘭𝘪𝘤𝘢𝘵𝘪𝘰𝘯 𝘪𝘴 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘭𝘦𝘯𝘥𝘦𝘳 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢 𝘢𝘯𝘥 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴. 𝘏𝘏𝘏 𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦𝘴 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘴 𝘴𝘦𝘦𝘬𝘪𝘯𝘨 𝘢𝘥𝘷𝘪𝘤𝘦 𝘣𝘦𝘧𝘰𝘳𝘦 𝘮𝘢𝘬𝘪𝘯𝘨 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘥𝘦𝘤𝘪𝘴𝘪𝘰𝘯𝘴.

27/10/2026

Sometimes, a change in mortgage rates over just a couple of months can make a significant difference.

Mortgage rates can move while you’re considering your options, and we’ve seen first-hand how this can affect the cost of a remortgage. A rate increase of around 0.5 percentage points could mean more than £200 extra per month on some mortgages, potentially adding up to over £12,000 across a five-year fixed term.

Of course, every mortgage and every situation is different, and we understand that deciding on your next mortgage is a big commitment. It’s important to have the time and information you need to make a decision that feels right for you.

That’s why we encourage clients to start exploring their remortgage options around six months before their current deal ends.

Where available, securing a rate early can help protect against subsequent rate rises. We’ll continue to monitor the market, too, and if rates improve, review whether a more suitable option is available before completion, subject to the lender’s criteria and terms.

Rates can fall as well as rise, and there’s no guarantee that a better option will become available. However, starting early gives you more time to explore what’s available and allows us to keep an eye on potential changes along the way.

Your remortgage doesn’t have to be a last-minute decision. A little forward planning can give you more options to consider.

If your current mortgage deal is coming to an end, HHH Mortgages is here to help you understand your options and talk through your next steps, without pressure.

Get in touch for a free, no-obligation initial consultation.

𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: Figures are illustrative and show the potential impact of a rate change in certain circumstances. They are not a guarantee of savings or costs. Actual repayments and overall costs depend on the mortgage amount, remaining term, repayment method, product and fees. Rate offers and any subsequent product changes are subject to lender criteria, availability and terms. A lower rate may not always be available or suitable.

22/10/2026

Fancy building your own mortgage business, with the right people in your corner?

At HHH Mortgages, we’re looking for experienced, self-employed mortgage advisers who want the freedom to grow their own business, without having to do it all alone.

Think 75% commission retained on your own business, £0 adviser operating costs, admin support and marketing investment to help you grow. All backed by a friendly, family-run brokerage that genuinely wants to see you succeed.

Sound like your kind of move? We’d love to have a chat! ☕️

📩 Get in touch at [email protected] to find out more.

21/10/2026

A few mortgage dos and don’ts to keep in mind when you’re planning your next move.

21/10/2026

Is your credit history haunting you? 👻

Past missed payments or other credit difficulties can affect a mortgage application, but they don’t automatically tell the whole story.

Lenders have different eligibility criteria, and their assessment may consider factors such as your current financial circumstances, credit history and affordability.

If you’re concerned about your credit history, understanding how it may affect your options can be a useful first step.

Every situation is different. Speak to a qualified mortgage adviser to discuss your individual circumstances.