HQ Mortgage & Finance

HQ Mortgage & Finance YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT

The UK's choice for independent, whole-of-market mortgage advice.

✔️ First Time Buyers
✔️ Moving Home
✔️ Remortgaging
✔️ Buy to Let
✔️ Equity Release
✔️ Personal protection

🌟 Rated "excellent"
🕝 Evening and weekend appointments

A lot of homeowners wait until the last minute to think about remortgaging… but you can usually start much earlier than ...
16/06/2026

A lot of homeowners wait until the last minute to think about remortgaging… but you can usually start much earlier than you think! 👀

Most lenders allow you to secure a new mortgage deal up to 6 months before your current fixed rate ends. 🤩

And starting early can have some big advantages…

💡 Protect yourself from rising rates - If rates increase while you’re waiting, locking in early could save you money.

💡 Avoid your lender’s Standard Variable Rate - Doing nothing when your deal ends could mean a jump in monthly payments.

💡 More time to compare options - Starting early gives you a wider choice of lenders and products without the pressure of a deadline.

💡 Less stress - Remortgaging can take several weeks, so getting ahead helps ensure a smoother transition.

The best part? 👀 If rates improve before completion, there may still be opportunities to review your options! 🥳

At HQ Mortgage & Finance, we’ll help you understand the right timing, compare deals across the market and secure the most suitable option for your circumstances! 🔎

Is your mortgage deal ending within the next 6 months? Get in touch with HQ Mortgage & Finance today and let’s start planning early. 💜

Renting vs buying in 2026 💭It’s one of the biggest financial questions people are asking right now… should you keep rent...
13/06/2026

Renting vs buying in 2026 💭

It’s one of the biggest financial questions people are asking right now… should you keep renting, or is it finally time to buy? 🧐

The answer looks different for everyone, but here are a few things worth thinking about…

🌟 Renting offers flexibility - Renting can be ideal if you’re not ready to settle in one place or need flexibility for work or lifestyle changes.

🌟 Buying builds equity - When you buy a home, your monthly payments go towards owning an asset rather than paying a landlord.

🌟 Monthly costs aren’t always as different as people think - In some areas, mortgage payments can be surprisingly close to rental costs, especially if you have a decent deposit.

🌟 Homeownership offers stability - Fixed mortgage deals can provide more certainty over payments compared to rising rental prices.

🌟 But buying comes with responsibilities - Maintenance, repairs and upfront costs are all part of owning a property.

There’s no universal “right answer”, it depends on your finances, goals and long-term plans.

The most important thing is understanding what’s realistically possible for you! 💜

Thinking about getting on the property ladder in 2026? Get in touch with HQ Mortgage & Finance today and let’s explore your options together. ☺️

What actually affects your mortgage rate? 🤨Most people think mortgage rates are only based on the Bank of England base r...
11/06/2026

What actually affects your mortgage rate? 🤨

Most people think mortgage rates are only based on the Bank of England base rate… but there’s actually a lot more to it! 👀

Here are some of the biggest things that can affect the rate you’re offered…

🌟 Your deposit size (Loan-to-Value) - Generally, the bigger your deposit, the lower the risk to lenders, which can mean access to better rates.

🌟 Your credit profile - A strong credit history and healthy financial habits can improve the deals available to you.

🌟 Your income and affordability - Lenders assess how comfortably you can manage repayments based on your income and outgoings.

🌟 The type and length of mortgage deal - 2-year fixes, 5-year fixes and tracker mortgages can all have different pricing depending on market conditions.

🌟 The wider economy - Inflation, swap rates and market confidence all influence mortgage pricing behind the scenes.

🌟 Lender competition - Mortgage rates can change quickly as lenders compete with each other and react to market conditions.

This is why the “best” mortgage isn’t always the same for everyone. The right deal depends on your full circumstances, not just the headline rate! 🔎

Want to understand what rates may be available to you? Get in touch with HQ Mortgage & Finance today and let’s explore your options! 💜

Another amazing review for the team! ⭐⭐⭐⭐⭐A huge thank you to Kerrie for these lovely words about Chelsie! ☺️“How lucky ...
09/06/2026

Another amazing review for the team! ⭐⭐⭐⭐⭐

A huge thank you to Kerrie for these lovely words about Chelsie! ☺️

“How lucky we were to have Chelsie dealing with our mortgage… she made everything feel a breeze from start to finish.”

Buying or arranging a mortgage can often feel stressful and overwhelming, so having someone who guides you through every step, explains everything clearly and genuinely cares about getting the best outcome makes all the difference! 🤞🏻

Chelsie’s hard work, dedication and supportive approach shine through in every client journey, and we’re incredibly proud to have her as part of the HQ Mortgage & Finance team.

From expert advice to ongoing support, she’s committed to making the process feel smooth and straightforward from beginning to end. 💜

Whether you’re buying your first home, moving, remortgaging or reviewing your options, get in touch with HQ Mortgage & Finance today and let our team help guide you every step of the way. 💫

Found a property you love? Before you picture where the sofa’s going, make sure you’re looking beyond the décor…Here are...
06/06/2026

Found a property you love? Before you picture where the sofa’s going, make sure you’re looking beyond the décor…

Here are a few important things to check during a house viewing…

🌟 Look for signs of damp or cracks - Small cosmetic fixes can sometimes hide much bigger problems underneath.

🌟 Test the plumbing - Run taps, flush toilets and ask about the age of the boiler.

🌟 Check windows and doors - Do they open properly? Any drafts, condensation or signs of damage?

🌟 Think about the location - Visit at different times of day if possible. Noise, traffic and parking can feel very different in the evening.

🌟 Storage matters more than you think - Cupboards, loft space and general storage can make a huge difference long term.

🌟 Ask questions - Why is the owner moving? How long has the property been on the market? Have there been previous offers?

🌟 Don’t rush - It’s easy to get emotionally attached to a property, but taking your time could save you stress and money later.

House hunting is exciting, but preparation is key! 🔑

Thinking about buying a home? Get in touch with HQ Mortgage & Finance today and let us help you get mortgage-ready before you start viewing! 💜

What happens when your fixed mortgage rate ends? ⏰If your fixed rate mortgage is coming to an end, it’s important to und...
04/06/2026

What happens when your fixed mortgage rate ends? ⏰

If your fixed rate mortgage is coming to an end, it’s important to understand what happens next, because doing nothing could end up costing you more each month! 🤯

Once your fixed deal finishes, your lender will usually move you onto their Standard Variable Rate (SVR).

And this often means…

📈 Higher monthly payments
💸 More interest being charged
📊 Less certainty over future costs

The good news? You usually have options before this happens. 🤞🏻

🔄 Product transfer - Switch to a new deal with your current lender.

🏡 Remortgage - Move to a new lender who may offer a more competitive rate or better suited deal.

Many lenders allow you to secure a new deal up to 6 months before your current one ends, helping you avoid last-minute stress and potentially lock in a better rate early. 🔐

This is why reviewing your mortgage before your deal expires is so important! 💡

At HQ Mortgage & Finance, we’ll compare your options, explain everything clearly and help you find the right next step for your circumstances!

Is your fixed rate ending soon? Get in touch with HQ Mortgage & Finance today and let’s make sure you don’t pay more than you need to. 💜

Being self-employed doesn’t stop you from getting a mortgage… but lenders will usually take a closer look at your financ...
02/06/2026

Being self-employed doesn’t stop you from getting a mortgage… but lenders will usually take a closer look at your finances before making a decision. 🔎

Here are some of the key things lenders typically assess…

🌟 Your accounts or tax returns - Most lenders want to see 1-3 years of accounts or SA302s to understand your income and business performance.

🌟 Consistency of income - Stable or increasing income gives lenders more confidence in affordability.

🌟 Your credit history - A strong credit profile can improve your chances of approval and access to better rates.

🌟 Business stability - Lenders may look at how long you’ve been trading, the type of work you do and how sustainable your income appears.

🌟 Your deposit size - A larger deposit can sometimes improve lender options and help secure better deals.

🌟 Day-to-day finances - Bank statements are often reviewed to assess spending habits, existing commitments and overall financial management.

The good news? There are many lenders who are happy to work with self-employed applicants! The key is finding the right one for your circumstances. 🤞🏻

That’s where expert advice makes all the difference. 💡

Self-employed and thinking about buying or remortgaging? Get in touch with HQ Mortgage & Finance today and let us help you explore your options. 💜

What happens if your mortgage application gets declined? 🫣First of all… don’t panic!A declined mortgage application does...
30/05/2026

What happens if your mortgage application gets declined? 🫣

First of all… don’t panic!

A declined mortgage application doesn’t automatically mean you can’t get a mortgage. It usually means that particular lender wasn’t the right fit for your circumstances.

There are many reasons an application might be declined…

📊 Credit history issues
💳 High existing commitments
📑 Missing or inconsistent documents
💼 Employment or income concerns
🏦 Failing affordability checks

Sometimes it can even come down to the lender’s own criteria rather than your finances overall!

The important thing is what you do next. 🤞🏻

Don’t rush into applying elsewhere straight away. Multiple applications in a short space of time can damage your credit profile further. 🚫

Instead, get advice first. 💡

A broker can help identify why the application was declined and which lenders may be more suitable for your situation.

In many cases, small changes or choosing a different lender can completely change the outcome! ☺️

At HQ Mortgage & Finance, we work with a wide range of lenders and help clients navigate situations like this every day. A decline doesn’t have to be the end of the road. 💜

Had a mortgage application declined or worried about getting approved? Get in touch with HQ Mortgage & Finance today and let’s explore your options together. 💫

If you’re thinking about applying for a mortgage, you’ve probably heard the terms soft search and hard search, but what ...
28/05/2026

If you’re thinking about applying for a mortgage, you’ve probably heard the terms soft search and hard search, but what do they actually mean? 👀

Here’s a simple breakdown…

🌟 Soft credit check - A soft search gives lenders a quick look at your credit profile without leaving a visible mark on your report.

💡 Usually used for Decisions in Principle
💡 Doesn’t affect your credit score
💡 Only visible to you

🌟 Hard credit check - A hard search is a more detailed review of your credit history and is usually completed when you submit a full mortgage application.

💡 Visible to other lenders
💡 Can have a small temporary impact on your score
💡 Multiple hard searches in a short period can raise concerns

This is why getting advice before applying matters. A mortgage broker can help guide you towards lenders most suited to your circumstances and avoid unnecessary credit searches. 🤞🏻

At HQ Mortgage & Finance, we help you understand the process clearly from the start, so there are no surprises along the way. 💜

Thinking about applying for a mortgage? Get in touch with HQ Mortgage & Finance today and let’s get you mortgage-ready the right way. 🏡

Another ⭐⭐⭐⭐⭐ review for the team!A huge thank you to James for the kind words about Rob Plaistow! 👏After feeling unsupp...
21/05/2026

Another ⭐⭐⭐⭐⭐ review for the team!

A huge thank you to James for the kind words about Rob Plaistow! 👏

After feeling unsupported elsewhere, James was introduced to Rob through a recommendation, and this is exactly why having the right mortgage adviser matters!

Rob’s communication, flexibility and dedication helped make the process feel clear, simple and far less stressful. From being easy to contact to taking the time to explain everything properly, Rob made sure our clients felt supported every step of the way. 🤞🏻

We’re incredibly proud of the service Rob delivers and the trust our clients place in him and the wider HQ Mortgages & Finance team! 💜

Whether you’re moving home, remortgaging or buying your first property, we’re here to guide you through the process with honest advice and expert support. Get in touch with HQ Mortgages & Finance today and let’s make your next move happen. 💫

Address

Suite 4, Bridge House, 7 Bridge Street
Taunton
TA11TG

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 8am - 9pm
Sunday 8am - 9pm

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