Janet Hardy Your Mortgage Broker

02/11/2026

New here? Let me introduce myself…

Hi, I’m Janet 👋

I’m a mortgage and protection adviser at HHH Mortgages, based right here in Swindon. 🏡

A bit about me:
✅ 35+ years in financial services
✅ Former mortgage adviser for some of the UK’s best-known lenders, most recently Nationwide
✅ CeMAP qualified
✅ Genuinely loves the detail (yes, really!)

I take time to understand your circumstances properly, because good advice starts with listening.

I’m also passionate about protection: life insurance, income protection and critical illness cover. I’ll explain your options in plain English and help you work out what level of cover makes sense for you and your family.

Mortgages are a serious business, but I firmly believe the process can still be friendly, and even fun! 😄

Whether you’re buying your first home, moving or remortgaging, I’d love to help: why not drop a DM and say hello.

*𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.

31/10/2026

30/10/2026

Your home holds more than memories, it holds possibilities.

After 40+ years in Swindon, I've learned that retirement shouldn't mean sacrifice. Many of my clients thought they'd have to live frugally in retirement, but equity release changed everything. From dream motorhomes to holidays of a lifetime, your home can fund the retirement you've always imagined; without having to move.

As a CeRER qualified Later Life Lending specialist, I help clients unlock their home's potential while staying in the place they love

📞 Book your free Initial consultation today: 01793 310 002 or DM me to discuss your options.

*𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦. 𝘌𝘲𝘶𝘪𝘵𝘺 𝘳𝘦𝘭𝘦𝘢𝘴𝘦 𝘮𝘢𝘺 𝘪𝘯𝘷𝘰𝘭𝘷𝘦 𝘢 𝘭𝘪𝘧𝘦𝘵𝘪𝘮𝘦 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘰𝘳 𝘩𝘰𝘮𝘦 𝘳𝘦𝘷𝘦𝘳𝘴𝘪𝘰𝘯 𝘱𝘭𝘢𝘯. 𝘛𝘰 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥 𝘵𝘩𝘦 𝘧𝘦𝘢𝘵𝘶𝘳𝘦𝘴 𝘢𝘯𝘥 𝘳𝘪𝘴𝘬𝘴, 𝘢𝘴𝘬 𝘧𝘰𝘳 𝘢 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭𝘪𝘴𝘦𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯.

28/10/2026

Over 50 and need a mortgage? You have more options than you think.

What is later life lending? It’s simply borrowing in later life, usually from age 50 or 55+, often against the home you already own.

1.Standard mortgages: some lenders will lend into retirement, based on your pension income.

2. Retirement interest-only (RIO): you pay the interest monthly, and the loan is usually repaid when the home is sold.

3.Lifetime mortgages (equity release): borrow against your home, with interest usually added to the loan rather than paid monthly.

It could be used to allow you to stay in your home, help family, make home improvements, or clear an existing mortgage.

Many people assume they’re “too old” for a mortgage. Often they aren’t. There’s a range of options, and each one works very differently, so specialist advice really matters.

I’ll explain your options in plain English and look at the alternatives too, including whether borrowing is right for you at all.

Save this post for later, or give me a call if you’d like to chat about your situation.

*𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦. 𝘌𝘲𝘶𝘪𝘵𝘺 𝘳𝘦𝘭𝘦𝘢𝘴𝘦 𝘮𝘢𝘺 𝘪𝘯𝘷𝘰𝘭𝘷𝘦 𝘢 𝘭𝘪𝘧𝘦𝘵𝘪𝘮𝘦 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘰𝘳 𝘩𝘰𝘮𝘦 𝘳𝘦𝘷𝘦𝘳𝘴𝘪𝘰𝘯 𝘱𝘭𝘢𝘯. 𝘛𝘰 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥 𝘵𝘩𝘦 𝘧𝘦𝘢𝘵𝘶𝘳𝘦𝘴 𝘢𝘯𝘥 𝘳𝘪𝘴𝘬𝘴, 𝘢𝘴𝘬 𝘧𝘰𝘳 𝘢 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭𝘪𝘴𝘦𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯.

26/10/2026

Why I’m a member of the Equity Release Council (and why it matters to you).

Releasing money from your home is a big decision. You deserve to know the person advising you is held to the highest standards.

That’s why I’m a member of the Equity Release Council, the industry body for the equity release sector. Members agree to follow a set of standards designed to protect customers, including:
✔️ A clear, fair and complete explanation of your plan
✔️ Products that meet the Council’s protection standards
✔️ Independent legal advice for every customer
✔️ Openness about the risks, not just the benefits

After 35 years in financial services, I believe good advice comes down to trust. Membership is my commitment to that, so you can make your decision with confidence.

Got questions about later life lending? Call me on 01793 310 002 or send me a message for a no-obligation chat.

*𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦. 𝘌𝘲𝘶𝘪𝘵𝘺 𝘳𝘦𝘭𝘦𝘢𝘴𝘦 𝘮𝘢𝘺 𝘪𝘯𝘷𝘰𝘭𝘷𝘦 𝘢 𝘭𝘪𝘧𝘦𝘵𝘪𝘮𝘦 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘰𝘳 𝘩𝘰𝘮𝘦 𝘳𝘦𝘷𝘦𝘳𝘴𝘪𝘰𝘯 𝘱𝘭𝘢𝘯. 𝘛𝘰 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥 𝘵𝘩𝘦 𝘧𝘦𝘢𝘵𝘶𝘳𝘦𝘴 𝘢𝘯𝘥 𝘳𝘪𝘴𝘬𝘴, 𝘢𝘴𝘬 𝘧𝘰𝘳 𝘢 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭𝘪𝘴𝘦𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯.

23/10/2026

Reviews like this one mean the world to me 💚

Getting a mortgage is about more than the numbers. It’s about making sure you feel happy, confident and properly looked after every step of the way.

Thank you so much for taking the time to leave such a lovely review, and congratulations again to you both! 🏡

If you’re thinking about your next move, whether that’s buying your first home, moving or remortgaging, I’d love to help.

Ready to chat about your mortgage? Then please feel free to drop me a message or give me a call.

*𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.

21/10/2026

Later life lending gets mentioned a lot, but what does it actually mean?

In simple terms, it’s about the mortgage and borrowing options that may be available later in life.

That could be:
🏡 A mortgage that runs into retirement
🔁 Reviewing an existing interest-only mortgage
⏳ Looking at options when your mortgage term is ending
🔑 Lifetime mortgages and equity release

Every situation is different, so there’s no one-size-fits-all answer. That’s exactly why careful advice matters.

Questions? Drop them in the comments or DM me.

*𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦

18/10/2026

“Can I borrow?” isn’t the most important question.

Thinking about borrowing in later life? 🏡

The most important thing isn’t just whether you can borrow. It’s whether borrowing is right for you.

Before making any decision, it helps to look at the full picture:
✅ How it fits with your home
✅ How it fits with your future plans
✅ The long-term impact, for you and your family

There may be different options available. Some involve monthly payments and some don’t. Some may reduce the value of your estate or affect means-tested benefits. That’s why it’s so important to understand the features, costs and risks before you go ahead.

There’s no pressure to choose anything before you’re ready. The first step is simply finding out what may be available to you.

You don’t have to work it out alone. Get in touch and we can talk it through calmly and clearly, with no obligation.

*𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.

15/10/2026

Before autumn gets properly busy, here's one quick task worth ticking off your list 🍂

If your mortgage deal is due to end in the next six to twelve months, it's worth exploring your options now rather than waiting. A bit of early planning gives you more time to compare what's available and avoid automatically slipping onto a more expensive rate.

Takes minutes to check, get in touch whenever suits and let’s have a chat.

*𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.

13/10/2026

Barclays has introduced a Fast-Track Remortgage service for certain eligible customers switching from another lender.

For those who meet the criteria, Barclays says a mortgage offer could be available within 24 hours, with the remortgage completing in as little as five days.

There are specific eligibility requirements, including the type of property, loan-to-value, borrowing and mortgage arrangement. The timescale is also subject to affordability, identity, fraud and valuation checks, with information and supporting documents needing to be submitted accurately.

It’s another example of how lenders are looking at ways to streamline the remortgage process.

If your current mortgage deal is coming to an end, it can be worth considering the options available to you, including whether staying with your current lender or switching elsewhere is appropriate for your circumstances.

* 𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.