Janet Hardy Your Mortgage Broker

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

Five years ago I joined HHH Mortgages. I didn't know then how much this job and my clients, would come to mean to me.Fiv...
08/09/2026

Five years ago I joined HHH Mortgages. I didn't know then how much this job and my clients, would come to mean to me.

Five years in, and I still love what I do just as much as day one. Helping people plan the retirement they actually want, the motorhome trips, the family gifts, the peace of mind, never gets old. Every client's story is different, and I feel genuinely lucky that people trust me with theirs.

Thank you to everyone at HHH Mortgages for the support, and to every client who's let me be part of their journey. Here's to the next five years, and all the retirements still to come. ๐Ÿฅ‚

If you're thinking about your options for later life, I'd love to chat; just drop me a message.

06/09/2026

Celebrating 5 years with Janet Hardy Your Mortgage Broker! ๐ŸŽ‰

For the past five years, Janet has been an incredible part of the HHH Mortgages team. As a Mortgage Adviser and Later Life Lending Specialist, she brings a wealth of experience, care and expertise to everything she does, always going above and beyond to support her clients and colleagues.

Janet's dedication and the difference she makes to the people she works with is something we're incredibly proud of. Thank you, Janet, for everything you bring to the team and for making such a positive impact every day.

Congratulations on this fantastic milestone! Here's to many more years of success together.๐Ÿ‘

Think you have to wait months after changing jobs to get a mortgage? Not always.If you've changed jobs recently and wond...
06/09/2026

Think you have to wait months after changing jobs to get a mortgage? Not always.

If you've changed jobs recently and wondering what that means for a mortgage or remortgage?

It's a common assumption that you need to have been in a new role for several months before a lender will consider you, but that's not always the case. Some lenders are perfectly happy with recent starters, particularly if you're staying in the same industry or your income is stable. Others do prefer you to be past probation. It really comes down to which lender fits your circumstances.

Whatever stage you're at, brand new job, recent promotion, or thinking ahead to a remortgage; it's worth having a conversation before assuming the door's closed.



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

Self-employed and want a mortgage? It's more possible than you think.Thinking about going self-employed, or already made...
04/09/2026

Self-employed and want a mortgage? It's more possible than you think.

Thinking about going self-employed, or already made the move? Here's something worth knowing ๐Ÿ’ผ

Lenders usually want to see that your income is sustainable before approving a mortgage, often that means a year or more of accounts or tax returns. But it's not a hard no for everyone; some lenders will consider newly self-employed applicants depending on your profession, experience, and overall financial picture.

The best thing you can do is come prepared, recent payslips or business accounts, bank statements, tax calculations and tax year overviews all help build a clearer picture for a lender.

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

Landlords, a quick one for you this week ๐Ÿ˜๏ธIt's easy to let a rental portfolio run on autopilot, but the market's shifte...
01/09/2026

Landlords, a quick one for you this week ๐Ÿ˜๏ธ

It's easy to let a rental portfolio run on autopilot, but the market's shifted a fair bit lately, and properties that used to perform well aren't always pulling their weight anymore.

Worth asking yourself: is every property still earning what it should? Is your mortgage still structured sensibly? Would it make sense to simplify, or is now actually a good time to expand?

I work with landlords across Swindon to take a proper look at the full picture, your borrowing, your goals, and what's actually working. No pressure, just an honest conversation.

Get in touch let's have chat it you would like to talk through it more.



*๐˜ ๐˜ฐ๐˜ถ๐˜ณ ๐˜ฉ๐˜ฐ๐˜ฎ๐˜ฆ ๐˜ฎ๐˜ข๐˜บ ๐˜ฃ๐˜ฆ ๐˜ณ๐˜ฆ๐˜ฑ๐˜ฐ๐˜ด๐˜ด๐˜ฆ๐˜ด๐˜ด๐˜ฆ๐˜ฅ ๐˜ช๐˜ง ๐˜บ๐˜ฐ๐˜ถ ๐˜ฅ๐˜ฐ ๐˜ฏ๐˜ฐ๐˜ต ๐˜ฌ๐˜ฆ๐˜ฆ๐˜ฑ ๐˜ถ๐˜ฑ ๐˜ณ๐˜ฆ๐˜ฑ๐˜ข๐˜บ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต๐˜ด ๐˜ฐ๐˜ฏ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ฎ๐˜ฐ๐˜ณ๐˜ต๐˜จ๐˜ข๐˜จ๐˜ฆ.

"Bent over backwards to helpโ€, that's the kind of service I aim for.Nothing means more than a client feeling properly lo...
29/08/2026

"Bent over backwards to helpโ€, that's the kind of service I aim for.

Nothing means more than a client feeling properly looked after. Here's what one client had to say:

"Janet Hardy has been sensational with her advice and a real warm friendly lady who has bent over backwards to help me out. Extremely impressed and will be suggesting Janet to all my friends and relatives."

Advice should never feel rushed or impersonal, it should feel like someone's actually in your corner. That's what I aim for with every single client, whatever their situation.

๐Ÿ’ฌ Ready to see what that kind of support feels like? Get in touch, and lets have a chat.

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

๐Ÿ“… Quick one: do you know when your current mortgage deal ends?It's an easy thing to put off, life gets busy, and "I'll s...
28/08/2026

๐Ÿ“… Quick one: do you know when your current mortgage deal ends?

It's an easy thing to put off, life gets busy, and "I'll sort it later" becomes the plan. But if your deal ends and you don't have a new one lined up, you're automatically moved onto your lender's Standard Variable Rate. In many cases, that means paying more than you need to, without even realising it.

The fix is simple: review early. Even if your deal doesn't end for months, getting ahead of it means more time, less stress, and no nasty surprises.

๐Ÿ“ž Not sure when your deal ends? Let's check together.



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

A gentle nudge for anyone with a mortgage renewal on the horizon โณYou really don't need to wait until the last minute to...
26/08/2026

A gentle nudge for anyone with a mortgage renewal on the horizon โณ

You really don't need to wait until the last minute to start thinking about it. Reviewing your options early, even if your deal isn't ending for six months or more, gives you more time to understand what's out there, less stress, and the reassurance that it's all in hand well before your deadline.

Big financial decisions like this are easy to keep putting off. But a short conversation now can make the whole process far more comfortable than leaving it to the wire.
Whenever your renewal date is, I'm happy to help you get ahead of it, just get in touch for an initial free chat.
*Your home may be repossessed if you do not keep up repayments on your mortgage.

๐Ÿ’ญ Quick question: if illness or injury meant you couldn't work for a few months, would your savings cover the bills?It's...
20/08/2026

๐Ÿ’ญ Quick question: if illness or injury meant you couldn't work for a few months, would your savings cover the bills?

It's easy to assume it won't happen to you, but your income is one of your biggest financial assets, and it's often the one people protect last.

Research shows those in their late 20s and early 30s are now the age group most likely to take out income protection, because when you're juggling a mortgage, a young family, or a growing career, the stakes are higher than ever.

The earlier you look at it, the more choice (and often better value) you tend to get.

๐Ÿ“ž Let's talk through your options, just give me a call or drop me a message.
*Your home may be repossessed if you do not keep up repayments on your mortgage.

"'Our fears and worries disappeared', a first-time buyer's experience"Buying your first home is a big deal, and it's co...
19/08/2026

"'Our fears and worries disappeared', a first-time buyer's experience"

Buying your first home is a big deal, and it's completely normal to feel nervous about it. Louise and her partner came to me anxious about whether they'd even be approved. Here's what she said afterwards:

Moments like this are exactly why I do what I do. If you're a first-time buyer feeling unsure about where to start, you're not alone, and you don't have to figure it out by yourself.

๐Ÿก First-time buyer? Let's take the anxiety out of it together, get in touch or drop me a DM.

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

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Swindon
SN27TJ

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+441793310002

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