Harriette Milne - Mortgage & Protection Advisor

08/10/2025

Let me reintroduce myself, I’m Harriette and have been providing mortgage and protection advice for nearly 12 years now.

Prior to that I worked for an estate agent for a good 5 years as a negotiator. Then finally starting out my years in the banking world at the, then Derbyshire Building Society (Now merged to Nationwide BS).

I love what I do and helping people with anything mortgage & protection related also offering advice on secured or bridging loans. I offer general mortgage advice but also specialise in complex cases whether it be adverse credit, self-employed, professional sports player, LTD company BTL, low-no deposit, HTB wales, Expat mortgages, Buy for Uni mortgages… the list goes on. With those types of enquiries you do need an expert, so please get in touch if you’d like some advice.

*As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments*

08/10/2025

Struggling to secure a mortgage due to past credit issues? You’re not alone.

According to recent research, nearly a third of UK adults feel that prior credit blips are stopping them from getting on the property ladder.

But it doesn’t have to be that way!

I specialise in helping clients just like you navigate these challenges and find the right mortgage solutions for your needs and circumstances.

I believe that your financial past shouldn’t dictate your future. Let’s work together to turn those ‘no’s into ‘yes’s and get you one step closer to your new home.

I am are whole of market. This means I can access every deal on the market and will recommend the most suitable one available to you.

Contact me today for your free mortgage consultation.

As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments.


Source: https://tinyurl.com/yen79kbb

07/08/2025

Interest Rate Cut Alert!

The Bank of England has reduced the base rate to 4% — the lowest level since March 2023.

While this doesn’t mean lenders will instantly slash rates, it’s a positive signal and could lead to more competitive mortgage deals in the coming months. If you’re thinking about buying or remortgaging, now’s a good time to review your options.

Need help understanding what this means for you? We’re here to break it down in plain English.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact me today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

13/02/2025

Another happy customer ❤️🙌🏼 thanks for kind words Barrie!

03/02/2025

💜If you need quick access to funds for a property purchase-whether it’s to secure a new home, buy at auction, or complete renovations-a bridging loan might be the answer.💜

These short-term loans are designed to
“bridge the gap” between your current financial position and completing your next property transaction. We’ll help you understand how bridging loans work, find the right lender, and ensure the loan fits your timeline and goals.

I am whole of market. This means I can access every deal on the market and will recommend the most suitable one available to you.

💜 Contact me today to book your free consultation! 07904777736 💜

*As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.*

10/01/2025

What a lovely start to 2025! Another lovely review from one of my lovely clients 💜💜💜

A lovley review from one of Harriettes clients! Well done Harriette, we love happy clients 💙

Please give us a call on 01332 821340 or make an enquiry on our website today at financeadvicecentre.co.uk !

28/11/2024

Had a lovely catch up coffee this morning with my lovely friend 💜☕️

What started off as a business relationship and now turned into a great friendship.

Thanks for the lovely flowers and card guys 💜

15/08/2024

I’ve been a bit quiet recently, but still very much working! And what a lovely review I’ve received today off one of my lovely clients ❤️

Well done Harriette, What a lovely review! 💙

If you are looking for Mortgage or Insurance Advice, We're here to help! Call us now on 01332 821340, or make an enquiry on our website today at financeadvicecentre.co.uk !

23/05/2024

Bank of England edges closer to summer cut!

The Bank of England boss has said he was “optimistic that things are moving in the right direction” as rates were held at 5.25% at the BOE’s latest monetary policy committee meeting.
If inflation continues to fall as expected it would pave the way for an interest rate cute as early as June, although August/September seems to be the most likely timing.

With the BOE interest rate currently at their highest level for 16 years, possible upcoming reductions would be welcomed by mortgage holders.

I am whole of market. This means I can access every deal on the market & will recommend the most suitable one available to you.
Contact me today for your free mortgage consultation.

*As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments*

Source: https://www.bbc.co.uk/news/business-68978591

05/03/2024

For all my locals, you may not have heard much on the HTB (Help to Buy) front recently. That’s because for England it’s been closed and no longer available for a while now. You’ll be happy to know that this is not the case for Wales though and you can potentially still get and apply for this scheme on new build homes in Wales. This is a fantastic way of allowing you to buy a bigger house on a smaller mortgage and with only 5% deposit. There is a lot more to it, but for anyone local or wanting to buy in Wales, this could be a great option for you. If you’ve been thinking that you need a bigger house for you and your family but you believe it is just too far out of reach, then this could be a great option for you. If this sounds like something you want to know more about, then please do get in touch and arrange an appointment with me to go through the details in full. Source - https://www.gov.wales/help-buy-wales *As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments*

26/02/2024

The Benefits of a Mortgage Broker like myself

Are you considering buying a property or exploring mortgage options? Look no further – a professional mortgage broker like myself can be your ticket to a smoother and more cost-effective home-buying experience. Here are some key benefits of using myself:

✅ Expert Advice: an in-depth knowledge of the mortgage market. With access to a wide range of lenders, they can provide unbiased advice tailored to your specific financial situation and goals.

✅ Time-saving: Searching for the perfect mortgage deal can be time-consuming and overwhelming, especially when considering the plethora of available options.

✅Access to Exclusive Deals: I often have access to exclusive mortgage deals not readily available to the general public. These deals can include discounted interest rates, reduced fees, or special incentives. By leveraging their industry connections, we as brokers can potentially provide you with preferential terms that could save you money on your mortgage.

✅ Financial Protection: I have a duty of care to act in your best interest, helping you navigate complex terms and conditions and ensuring you understand the mortgage contract before signing.

✅ Tailored Solutions: Everyone’s financial situation is unique, and a mortgage broker recognises that. I can assess your individual circumstances and match you with a mortgage product that aligns with your specific needs and lifestyle.

✅ Application Process: Applying for a mortgage can be a complicated, requiring extensive paperwork and communication with different lenders. I simplify the process by handling paperwork, liaising with lenders, and coordinating the necessary documentation on your behalf.

I am whole of market. This means I can access every deal on the market & will recommend the most suitable one available to you.

Contact me today for your free mortgage consultation.

*As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments*

19/02/2024

❌If you had a money machine in your house that paid for everything, you’d want to make sure you insured it in case it broke right? Otherwise, if it broke then you’d have no money to pay for your rent/mortgage, general bills or luxuries etc…❌

So why is it that many of us don’t protect ourselves with Income Protection? We are the money machines! We pay the bills, and if something happens to us then who is going to pay these bills?

You may have sick pay from work but sometimes this doesn’t cover you for as long as you may need. What would you do at that point if you were still unwell and not able to pay the bills to support your family.

It’s so important to make sure you have the right protection in place for your family needs.

Book a consultation with me today to review your protection needs and get a quote that is tailored personally to you. 07904777736