Janet Hardy Your Mortgage Broker

Janet Hardy Your Mortgage Broker From your first home-to your *last| Complex Income| Adverse credit|5* Service.Complex
mortgages kept simple.
*including equity release

I work with self-employed clients every week who've been told 'no' elsewhere. Here's the reality.Being self-employed doe...
07/06/2026

I work with self-employed clients every week who've been told 'no' elsewhere. Here's the reality.

Being self-employed doesn't disqualify you from getting a mortgage, but it does mean lenders assess your application differently.

Most high street banks want 2–3 years of accounts and base their lending on your net profit. I have access to lenders who take a more flexible view, looking at retained profits, day rate contracts, or recent business performance.

If you've been self-employed for less than 2 years, or your accounts don't tell the full story of your earnings, please don't assume a mortgage isn't possible. It may simply require the right lender and the right approach.

I help business owners, contractors, and freelancers find mortgage solutions every week, and many of them were pleasantly surprised.

There’s a reason people choose Swindon, and it’s not just the affordability. It’s the community, the connections, and th...
04/06/2026

There’s a reason people choose Swindon, and it’s not just the affordability.

It’s the community, the connections, and the quality of life, 👉🏻 swipe for all the low down.

If you’re thinking of planting roots here, or you already own and want to make the most of your property, I’d love to help.

Did you know Swindon has some of the most competitive house prices in the South West? Here's what that means for you ......
04/06/2026

Did you know Swindon has some of the most competitive house prices in the South West? Here's what that means for you ...

Swindon is a great place to own a home, the average Swindon house price means your money goes further here than in many other larger UK towns and cities.

Swindon's Old Town, Wroughton, and Stratton St Margaret are consistently popular areas, great for families, commuters, and retirees alike. With the A419, M4, and direct trains to London Paddington, Swindon is perfectly placed

So if your thinking of buying, remortgaging, or exploring your options? Let's have a chat.

This is why I do what I do. ⭐⭐⭐⭐⭐I received a lovely message from a client recently that really stayed with me.They'd co...
02/06/2026

This is why I do what I do. ⭐⭐⭐⭐⭐

I received a lovely message from a client recently that really stayed with me.

They'd come to me convinced they wouldn't be able to get a mortgage, complex income, a credit blip in the past, and they'd already been turned away once.

We sat down, went through everything, and found the right lender for their situation. A few weeks later, they had their keys.

They said: "Janet never made us feel like our situation was a problem. She just got on with finding the solution."

That's exactly what I aim for. Every single time.

If you've been told no, or you're not sure where to start, please get in touch. I'd love the chance to help, get in touch and book your Free initial chat.

The best mortgage advice I can give? Start the conversation earlier than you think you need to.So many clients come to m...
30/05/2026

The best mortgage advice I can give?

Start the conversation earlier than you think you need to.

So many clients come to me after they've already fallen in love with a property. The offer's in, the clock is ticking, and suddenly they're scrambling to understand their options.

I understand why, it feels premature to talk mortgages before you've even found somewhere. But getting mortgage-ready before you start searching makes the whole process smoother, faster, and less stressful.

It also means you know exactly what you can afford, so you're not wasting weekends viewing homes outside your budget.

Whether you're thinking of buying in the next 3 months or the next 12, I'm happy to have an early conversation, and no-pressure advice.

A mortgage isn't just a financial product.It's the bridge between where you are now and where you want to be. I've sat ...
28/05/2026

A mortgage isn't just a financial product.

It's the bridge between where you are now and where you want to be.

I've sat with clients at all kinds of crossroads, young couples buying their first home, business owners who thought their accounts would count against them, people in their 60s wondering if their home could give them a better retirement.

Every single one of them had questions. Every single one of them deserved straight answers.

That's what I'm here for.

I'm Janet Hardy, your local mortgage broker at HHH Mortgages. I work with a comprehensive range of lenders, to find solutions that fit your life; not just your credit score.

So if you have a mortgage question? Drop it in the comments or give me a call on 01793 310 002; 'm also happy to chat over DM if you'd prefer.

Here's what I know for certain...Mortgages aren't just paperwork, they're the key to someone's next chapter. Whether tha...
27/05/2026

Here's what I know for certain...

Mortgages aren't just paperwork, they're the key to someone's next chapter. Whether that's a first-time buyer stepping onto the ladder, someone self-employed who's been turned away elsewhere, or a homeowner wondering what their options are in retirement.

I have access to a comprehensive range of mortgages and I'm based right here in Swindon, and I've seen just about every financial situation you can imagine.

No two clients are the same, that's why I never take a one-size-fits-all approach.

If you've been wondering whether you'd qualify for a mortgage, whatever your situation; let's have a chat. There's no pressure, no jargon, just honest advice.

📞 01793 310 002 or DM me anytime.



VISUAL: Professional headshot of Janet — warm, approachable, natural setting.

Helping a Family Regain Financial ControlA family approached me, having found my page : Janet Hardy Your ...
26/05/2026

Helping a Family Regain Financial Control
A family approached me, having found my page : Janet Hardy Your Mortgage Broker, looking for a way to regain control of their finances after rising debt commitments began putting pressure on everyday life.

They wanted a simple and sustainable solution that would:

Reduce their monthly outgoings
Consolidate multiple debts into one payment
Make household budgeting easier
Create more financial stability for their family
Through a carefully structured debt consolidation mortgage, I helped the family reduce their monthly commitments by more than £1,800 per month.

Couple discussing finances and reviewing paperwork at a table

The Challenge: High Debt Levels and Complex Income
The applicants had built up a range of unsecured debts over time, with multiple monthly repayments becoming increasingly difficult to manage.

Their situation included:

Around £85,000 in unsecured debt
High monthly credit commitments
One applicant earning through a CIS (Construction Industry Scheme) contract
Limited usable income for affordability calculations
A requirement to borrow at 90% loan-to-value (LTV)
While the household income was strong overall, not every income stream could be fully considered by lenders. This made affordability more challenging than a standard mortgage application.

To make matters more difficult, many mortgage lenders restrict debt consolidation borrowing to 80% loan-to-value, significantly reducing the available options.

Finding a 90% LTV Debt Consolidation Solution
After reviewing the family’s circumstances in detail, I identified specialist lenders willing to consider:

90% LTV debt consolidation mortgages
CIS contractor income
Complex affordability cases
Higher levels of unsecured debt consolidation
Rather than focusing purely on automated lending criteria, Janet packaged the case strategically to demonstrate the applicants’ overall affordability and long-term sustainability.

This tailored approach helped secure a solution that many mainstream lenders would have declined.

How the Case was Structured,
To improve the chances of approval I:

Reviewed all income sources in detail
Correctly assessed CIS income for affordability
Analysed existing debts and monthly repayments
Calculated realistic affordability based on usable income
Identified lenders open to higher LTV debt consolidation
Structured the application around lender criteria
Managed the process from application through to completion
The Result: £1,800 Lower Monthly Commitments
The outcome brought a real sense of relief to the family, easing the immediate financial pressure they had been facing.

Results Achieved

Around £85,000 of unsecured debt successfully brought together into one place
Monthly outgoings reduced by over £1,800, creating breathing space in the household budget
Multiple repayments simplified into a single, manageable monthly payment
Improved day-to-day cash flow and greater confidence in managing finances
What once felt overwhelming and difficult to control is now far more manageable, giving the family a clearer path forward and peace of mind.

Key Takeaways from This Debt Consolidation Case Study
This case highlights several important points for homeowners considering debt consolidation:

Debt consolidation above 80% loan-to-value may still be possible with the right lender
CIS income can often be used successfully when assessed correctly
Consolidating unsecured debts can dramatically reduce monthly commitments
Different lenders assess affordability in very different ways
Expert mortgage advice can improve access to specialist lending solutions
Creating Financial Breathing Space
For this family, the solution was about more than reducing payments.

Lower monthly commitments created greater financial stability, reduced stress levels, and gave them more freedom to focus on family life instead of ongoing financial pressure.

If you are struggling with multiple debts, high monthly repayments, or have been declined elsewhere, specialist mortgage advice could help you explore options that are not always available on the high street.

Need Advice on Debt Consolidation Mortgages?
Whether you are self-employed, paid through CIS, or looking to reduce monthly commitments, we can help you understand your options and find a solution tailored to your circumstances.

Important Information
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

Debt consolidation may increase the total amount you repay over the term of your mortgage and may extend the repayment period. It is important to consider the long-term impact as well as the short-term reduction in monthly payments.

This case study is provided for illustrative purposes only and does not constitute financial advice. Individual circumstances and lender criteria will vary.

Moving home is stressful enough, the last thing you need is a mortgage surprise.It can feel like the obvious choice when...
24/05/2026

Moving home is stressful enough, the last thing you need is a mortgage surprise.

It can feel like the obvious choice when you're moving home, just take your mortgage with you, can seem simple at the time?

The thing is, your lender will still need to approve the port, and that means a fresh look at your current situation. Changes in income, higher outgoings, or something about the new property can all lead to a declined application; even if you've never missed a payment.

Finding this out early makes all the difference. It means you have time to explore your options, rather than feeling like you're out of choices at the worst possible moment.

That's exactly the kind of conversation I have with clients, with no jargon, no pressur; just honest advice so you can move forward with confidence.

🏡 Thinking about moving home? Let's talk through your options before you commit. Call me on 01793 310 002 or drop me a message; I'm here to help.

Your mortgage rate is just one part of the picture.When exploring your mortgage options, it's easy to focus on the headl...
22/05/2026

Your mortgage rate is just one part of the picture.

When exploring your mortgage options, it's easy to focus on the headline rate, but there are other costs worth knowing about upfront.

Think arrangement fees, valuation fees, legal costs, and broker fees. Together, they can add up more than people expect.

The good news? I can help you weigh the true cost of each option, not just the rate on the tin.

📞 So if you want a clear, no-surprises breakdown? Let's have a chat.

Address

Swindon
SN27TJ

Telephone

+441793310002

Website

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