Take professional mortgage advice, to help you make your next move with confidence.

Whether you are a first time buyer, home owner, an experienced Investor or simply wanting to refinance, having the right mortgage advice can make all the difference. At HOP, we work closely with the UK’s leading independent mortgage and protection brokers, to give you the support you need.

Why use a mortgage broker?

Buying a property is not cheap, and it’s only natural to want to save on costs – but cutting corners can cost you in the long run. Advice from a reputable mortgage broker can be invaluable and something we would always recommend to all our buyers.

First and foremost, using a mortgage broker offers you additional protections as well as the confidence that you are getting the best deals for your personal situation.  An important thing to understand is that when you receive mortgage advice, your mortgage broker has a duty of care to you. That means it is their responsibility to not only recommend a suitable mortgage, but also be able to justify why the mortgage they have chosen is right for you. If their advice is not up to scratch, you can question this and be compensated.

Having been in the industry for a long time, at HOP, we’ve grown a trusted and established network of property connections to share with our clients.  If you are interested in a no obligation consultation with one of our Mortgage partners, drop us a note below.

Consult with an expert

There’s an awful lot to think about when choosing the right mortgage. It’s not as simple as just opting for the cheapest fixed or tracker rate mortgage you can find! Mortgages are a lot more difficult than they first appear. Knowing what rate, term, lender, features, insurance to get are all more time-consuming and complex matters.

Mortgage brokers are required to be fully qualified to give you mortgage advice, which isn’t necessarily the same for the people you might chat with in a lender’s call centre. So while comparing mortgages on a site like Money Supermarket is a good place to start and get a feel for what’s out there, we would always recommend taking professional advice.

A mortgage broker takes your whole circumstances into account to recommend a suitable product. It is this thorough, professional look at your finances that makes their advice well worth it.

Don’t forget, a mortgage brokers advice is free with no obligation, so why not arrange an appointment today – either  over the phone or pop in to our Horsforth branch and discuss things over a cuppa.

 

 

Meet James

We know how important it is to receive the right advice, particularly for such a significant decision such as a property purchase. At HOP,  our in-house Mortgage Advisor, James, is able to offer tailored advice and guidance to clients looking for a mortgage, or to refinance.

Based out of our Horsforth office, James has worked in the financial services sector for over 10 years and is a fully qualified (CeMAP) Mortgage and Protection Advisor.

As part of the Mortgage Advice Bureau (MAB) network of mortgage brokers, he has offers access to over 100 different lenders and as such, over 1200+ different mortgage products. So he’s in a prime position to find the right one for you.

In addition to Mortgage advice, he can also offer advice and arrangement of Life Protection (Life Insurance, Critical Illness Cover, Income Protection etc) and can even arrange Buildings and Contents insurance for our customers.

To arrange an appointment with our Mortgage Advisor, speak to our friendly team on 0113 322 9533 or drop us a message.

Keeping your best interests at heart

Mortgage eligibility criteria has changed considerably over the last few years, particularly since the pandemic. The rules are designed to ensure borrowers can prove affordability, even in the event of a rate rise. That’s why it is important to have a broker on your side who understands it all. A broker deals with lenders on a day-to-day basis. They will know what the application process is like for each one and which lender can process things with minimal delays.

An independent mortgage broker will look for the best mortgage for you. They aren’t on the lender’s side, they’re on yours. They will give you access to far more products than if you went direct to your bank. You’ll receive unbiased advice and have the flexibility to choose from a range of products.

Don’t forget, a bank can only offer you their product, a broker can offer you almost every lender’s product. More choice means better deals!

 

Free Mortgage Healthcheck

If you are thinking of remortgaging, then why not book in for a no obligation mortgage review with our in-house Mortgage Advisor.  Appointments can take place over a cuppa in our Horsforth Branch, or we can schedule an appointment virtually too.

During the Mortgage Health Check appointment, we will go through:

  • The details of your current mortgage – including the current lender, outstanding balance, current rate, early payment penalties etc.
  • Your current financial circumstances – employment details, income vs outgoings, current debt circumstances, documentation proof required to back this up (bank statements, payslips etc)
  • Mortgage Requirements – what you are hoping  to achieve as part of this process (e.g. switch to a better rate, raise some capital, debt consolidation)

No two mortgage applications are the same, so in order to provide you with advice, it’s really important we get to know you and your circumstances first. Only then can we put together a bespoke mortgage proposition tailored to your needs.

Meet The HOP Sales Team

Customer reviews

  • 4.5/5
Independent Service Rating based on 568 verified reviews.

Polite and friendly

Anonymous

“Jon Vickers is Great”

Jon Vickers has been a pleasure to deal with throughout the purchase of our first home. He’s always been quick…

Ben Fletcher

“Excellent”

Very reliable professional service, Jon is a lovely young man, always willing to help.

Karen Oliver

“Their person-ability is what sets them apart from other estate agents :)”

They are a fabulous agents to use. Personal service, friendly and approachable, laid back but efficient approach. Super pleased with…

Gemma Brier

“Great Customer Service”

The people in the office were very informative and even checked up on a specific question before the actual viewing…

Anonymous

Very good service and very flexible for viewings. Thanks

Anonymous

“Excellent service would recommend”

I found very good . Would definitely recommend . Will use again .

Hilary Davenport

“Good”

The representative is prudent and accountable, he confirms me the viewing slot by email and calls me for the feedback…

Kain Lau

“Helpful and efficient service.”

Great, friendly service. Good communication and helped find other properties to look at that fitted my criteria.

Anonymous

“Recommended✅”

We had a good experience with Hop. The agent (Joe) was very helpful and nice, he did his job well…

Anjali Saini

Download and take away our useful guide:
Why Use a Mortgage Broker?

You may have to pay a repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage

There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee can be up to 1.5%, but a typical fee is 0.3% of the amount borrowed.

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