Mortgages with Hannie & Co

Congratulations to Jonson who recently completed on his gorgeous new home 🏡 we wish you all the best 🍾

We have had a lot of new followers recently, so I just wanted reintroduce myself for those that don’t really know me yet!

I’m Hannie the founder of Mortgages with Hannie & Co an award-winning firm that’s all about making your dream of homeownership a reality. I started my journey in mortgages at the age of 17 when I didnt even know what a mortgage was! So safe to say my mind was fried when I began my career at a large building society and having to give guidance to people on mortgages 🤯

I worked my way up, working alongside some incredible inspiring people, which led me to start my own journey with my own firm nearly 4 years ago.

So now, I specialize in helping Millennials and Gen Z navigate the confusing world of mortgages that I felt. 🏡

I understand that stepping onto the property ladder can be daunting, especially for young buyers facing today’s competitive market. So I’m here to provide personalized guidance, innovative solutions, and unwavering support every step of the way.

What me and my fabulous team of now 5 can help with:

🩵Purchasing and Remortgaging
🩵Investing in property
🩵Commercial and development finance
🩵Bridging and short term finance
🩵Protecting yourself and your family
🩵And more!

My mission is to simplify the mortgage process and make it accessible to everyone, ensuring that you feel confident and empowered as you embark on your journey to owning a home. Whether you're a first-time buyer or looking to upgrade, we tailor our services to meet your unique needs and goals.

I am building an education hub for all things finance, and I am determined to show business owners and homebuyers that mortgages are about more than just money. It's not just about getting a mortgage, it's about building a brighter financial future, trying to change the way things have always been done.

If you’re ready to start your homeownership journey or share this vision of a more empowered and equitable mortgage industry, then keep following.

Together, we can pave the way for future generations and change the face of the mortgage world.

DM us today to book your call 📞

Client Spotlight Review!

Thank you so much for the lovely review. ⭐

Saving a deposit is pointless if you don’t do this…

…

📈 Check and build your credit score
🚫 Keep out of your overdraft
💳 Keep up with all your payments
❗ Overspending or getting into debt
🛑 Stopping small purchases
💰 Not just save, but make it!

💪 Saving a deposit is HARD, and you will have to make sacrifices. 📚 Also, utilize and educate yourself with what is out there to help, such as having a Lifetime ISA.

💡 Did you know if you and your partner saved £50 per week into a Lifetime ISA, in 4 years you will have £26,000 thanks to the 25% government bonus? 🏡 That’s a 10% deposit on a £260,000 house!

💬 How are you saving currently? Comment below!

🏡 My first home wasn’t the Instagram dream home we all have saved on our Pinterest...

…

But I loved it for these reasons:

🚀 It got me on the property ladder
🌟 It allowed me to get my independence
💰 It helped build my wealth
📈 It grew in value
🛠️ It developed my DIY skills, where I could slowly turn each room into that Pinterest room!

✨ Your first home might not be your forever home, or your dream home. But it’s a start, and after this point the doors you will open are almost limitless.

🏠 I am now in my forever dream home, that was saved on my Pinterest, and I know I couldn’t have done it without that first house.

🙋‍♀️ Who’s in their first home, next home, or forever home? Comment below!

🌟 Spotlight Review! 🌟
Nothing makes us prouder than hearing from our clients.
Thank you for trusting us. 💪

1 week left to vote - please do if you haven’t already, it really would mean the world!! 🫶🏼

Absolutely speechless but Mortgages with Hannie have been shortlisted AGAIN for BEST MORTGAGE INDUSTRY NEWCOMER in the 2024 What Mortgage Awards.

We would absolutely LOVE your support once more, without you we wouldn’t be where we are today 🙌🏻

Click below to head to the voting page. We are the last option on the list and you will see us listed as ‘Mortgages with Hannie Ltd’

https://www.whatmortgage.co.uk/awards/2024-what-mortgage-awards-nominee-shortlist-revealed

It takes 30 seconds and just asks for your name and email!

Thank you for everyone that supports us stand out in this big named industry!

The biggest overwhelming feeling when I left my secured job…
Was who in the world is going to believe in, and trust me! 🤔

…

I became a mortgage adviser back in 2020. I was:

🏠 2 years into owning my own home
💻 Just had a laptop, phone, and social media
🌍 In the middle of a global pandemic!

🎉 Sorry not sorry, but this is a little celebratory post because I am so proud of:

👥 The fantastic little team I have built
🏢 Our high street office, and famous green wall
⭐ The 5-star reviews I have collected across platforms
🏅 Becoming directly authorised by the FCA after just 1 year of being on my own
🏆 Award winning from 1st year

💪 It pays to be brave…
Who’s feeling me here? How many of you are recently self-employed, or thinking about it? I would love to hear your stories, comment below! 💬

Ps here's a pic of me when I got my authorisation!

When I wanted to buy my first house, I couldn’t afford to…

…

🎉 Go out with friends every week
💸 Overspend
🌴 Have 3 luxury holidays a year
🚗 Get a car finance
📉 Damage my credit score
🛋️ Buy that trending viral sofa

It's not just the deposit. It's short-term sacrifices for long-term achievements.
✨ And my god, it's worth it!

🌟 Spotlight Review! 🌟

Nothing makes us prouder than hearing from our clients.

Thank you for trusting us. We're thrilled to be part of your journey. 💪

Tired of hearing 'work smarter, not harder' without any real solutions? It's time to rethink this mantra 🤔

🔗 First up connect with Experts: Don't navigate the mortgage maze alone. Our team of experts is here to guide you every step of the way, saving you time and effort.

💡 Research Power: Knowledge is your superpower! Spend time understanding different mortgage options, rates, and terms to make informed decisions. We're on hand to go through any details, information, and knowledge you may need.

📈 Financial Planning: Crunch those numbers! Plan your budget, evaluate your financial goals, and choose a mortgage that aligns with your long-term vision.

⏳ Time is Money: Streamline the process by being organised. Gather necessary documents upfront to expedite approvals and minimise delays, from your ID, bank statements, and employment details, have them on hand and prepped.

🔍 Analyse Your Needs: Choose a mortgage that suits YOUR needs. No one-size-fits-all – we can help tailor options to match your unique circumstances.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Super excited to be a key note speaker at the Women Empowering Women Business Event on the 6th July talking all things mortgages, money and profits 💰

Are you a woman in business eager to grow and succeed with fellow female entrepreneurs? This event is your chance to step back from the daily grind and ignite personal and professional growth.

Let’s break down barriers, unlock our full potential, and reach new heights of success.

Excited to connect with many empowering women!

Get your tickets here 👉🏼 https://www.eventbrite.com/e/905462010247?aff=oddtdtcreator

Im not everyones cup of tea... ☕

I drain your bank account every month.
I dont go away.
I cost a fortune.

What am I?

Im a mortgage!

Many of you will think like this. But being a homeowner, there are so many positives:

It's YOUR Space: Say goodbye to landlord rules and make your home truly YOURS! 🎨🛋️

Build Equity: Every mortgage payment builds your wealth! 💰💼 It's like investing in your future.

Independence: Freedom, make your own decisions, navigate life on your own terms 🛤

Freedom to Customize: Want a pink kitchen? Go for it! It's yours after all! 🏰💖

Ps Happy International Tea Day!! ☕

My first job was a coffee shop barista ☕
I now run my own award winning mortgage business 🏡

My first job might not have been what you expected, but it taught me so much! From budgeting to time management, those early experiences helped shape me to who I am today💪💡

So, here's to all the buyers out there, hustling to make their home ownership dreams a reality! Your hard work will pay off, I promise!

What was your first job, and what do you do now? Comment below your before & after - even if you do the same because you love it!

It didn't cost me a penny to buy my house...

…

The first step of buying your first home is the hardest, the deposit! The struggle of trying to save up for that daunting deposit.

But did you know, almost two-fifths (37%) of UK first-time buyers received their deposit as a gift or loan from a friend or family member (Source Uswitch)

There are so many different options when it comes to your deposit for your new home. Here are a few you can use if you dont have savings:
✨ Inheritance
✨ Gift from a family member
✨ Discount as the deposit if purchasing a property below market value usually from a close relative or landlord
✨ Landlord gifted deposit
✨ Builders deposit
✨ Personal loan

There is even a lender that doesn't require a deposit under their 100% mortgage range. Or if you have a small amount of savings, and not quite a full 5% there is a lender offering a '1%' deposit mortgage (minimum £5,000)

The most appropriate deposit amount and source is dependant upon your own personal circumstances.

So, if you're feeling overwhelmed by the thought of saving up for a deposit, remember that there are other options out there, like gifted deposits, that can help you make your dream a reality. You've got this! 🚀🔑

Let's talk about why REVIEWS matter ✅⭐

⭐Real People, Real Experiences: Reviews are like getting advice from your besties! 🤩👯‍♀️ You get to hear about real experiences from real people.

⭐Trustworthiness Check: Can you trust your broker? Reviews spill the tea! ☕️👀 Check out what other first-time buyers are saying to make sure you're in good hands.

⭐Peace of Mind: Buying your first home is a big deal, and you want peace of mind, right? 🌈💆‍♂️ Reviews help you feel confident in your decision, so you can focus on the fun stuff – like picking out paint colours! 🎨🏠

So, before you pick your mortgage broker, don't forget to check those reviews! 🌟

Mortgage brokers are all about the money...

…

– or so you've heard. But let me tell you, finding the right mortgage broker is about so much more than just pounds and pennies. 🌟

When choosing a mortgage broker, it's not just about finding someone who can get you a good deal. It's about finding someone who truly cares about YOUR dreams and YOUR future. Here's what to look for 👇🏻

🌟 Experience and Reputation: With years of happy clients, our track record speaks for itself.

📜 Credentials: We're fully licensed and regulated, committed to maintaining the highest professional standards.

💼 Tailored Expertise: Whether you're a first-time homebuyer, seeking a specific loan type, or have unique financial needs, our expertise is tailored just for you.

🔗 Access to Multiple Lenders: We have a wide network, ensuring you get the best terms and rates available.

💬 Communication is Key: Expect clear, transparent communication at every step of your journey.

💸 Transparent Fees: No surprises! Our fees are upfront and disclosed, ensuring complete transparency.

🌐 Modern Tools: Embrace efficiency with our online tools and resources for a seamless application process.

🤝 Client-First Approach: Your needs are our priority. Read what our satisfied clients have to say!

🌟 Trusted and Recommended: Recommended by friends, loved by clients.

You'll find all of that and more with us, because we believe in you and your dreams 🤩

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

🧠💡 It's Mental Health Awareness Week!

Here are some quick tips to boost your mental well-being:

🌟 Mental health matters. Period.
💬 Reach out to friends or family for support. You're never alone in this journey.
🌱 Self-care isn't selfish. Treat yourself kindly, always.
🌈 Remember, it's okay not to be okay. Your feelings are valid, and help is always available.
🧘‍♀️ Practice mindfulness daily. Take a few moments to breathe and centre yourself.
💤 Prioritize sleep. A well-rested mind is a happy mind.

🌟✨✨

We will be trans-fur’ing all our calls to Minnie today 🐾

Here are our top tips on what to do when buying a home:

1. Know and respect your price range - This is crucial for your financial health and overall well-being. Staying within your price range ensures you don't over extend yourself financially and helps ensure you can comfortable afford your mortgage payments and other costs. It also helps set realist expectations about the type, size and location of the house you can afford. Sticking to this will also help ensure you can continue to save for other financial goals such as retirement, education or emergencies. Overextending on a house can limit your ability to save for the future.

2. Don't rush! Evaluate your options - Rushing the house buying process can lead to costly mistakes and regrets. Taking your time to evaluate your options allows you to make a well-informed decision that you'll be happy with for years to come. By not rushing you can make informed decisions, understand the market more, explore different areas, get more of a feel for property, consider all the costs involved, and most importantly negotiate from a position of strength as things will move very quickly after the negotiation stage.

3. Work with a professional adviser - Working with a professional adviser can save you time, reduce stress, and help you get the best possible deal. Their expertise, market knowledge, and negotiation skills can be invaluable throughout the home buying process.

4. Move fast when the time comes - You need to be ready to move quick, this can help you secure the property you want, avoid missed opportunities, and stay ahead of competing buyers in a fast-paced property market. In a competitive market properties can sell quickly, so moving fast allows you to act on opportunities as soon as they arise increasing your chances of securing the home you want before someone else does, this is why it is so important to be prepared before this stage. You don't want to delay anything as this can result in missed opportunities.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

3 things to do before making an offer on a house! 🏡

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Fridays are my days off and I am making the most of this lovely weather ☀️ even on my days off I’m in the branded gear! also featuring my building site of a house 🏚️

Hope everyone is having a great Friday 🫶🏼 comment below with your plans 👇🏼

We cannot stress this enough, and is one thing we see all the time when people haven't sought advice or done their research before they start their house hunt! We never like to disappoint, so please make sure you do your research or speak to us for absolutely free if you would like an idea on your budget before you go make an offer 🏡

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Today we’ve had another update from the Bank of England they are holding the base rate at 5.25% for at least another 6 weeks.

🤔 Why is that important? The Bank of England base rate, influences lending rates for banks and borrowers, impacting economic activity and inflation. Adjusted in response to economic conditions, it guides monetary policy goals such as inflation control and economic stimulation.

If you’re concerned about your current mortgage rate. Especially if you’re on a tracker or other variable rate, give our team a call or drop us a message. 📱

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Get to know the team! With Emma!

When did you join Mortgages with Hannie?
September 2023

How old are you?
31

Do you have a partner/children/pets?
My partner is Tom we have 2 children together Jack and Stanley and I have 2 step children, Harry and Freddie.

What do you do when not providing 5 star mortgage advice?
I’m kept busy with the children, spending time with family and friends and helping out on the Farm at home!

What three words would you use to describe yourself?
Passionate, Loyal, Witty!

What is something you’re really good at?
Mortgages!

What is something you’re really bad at?
Singing, I think really bad would be a compliment actually I’m worse than really bad!

What is your all-time favourite food?
Anything Seafood

Coffee or tea?
Tea

What’s the weirdest fact you know?
For each grain of sand on earth there’s 10,000 stars!

What would you do with a million pounds?
Invest it … and have some amazing holidays!!

That’s it for our get to know the team, we hope you’ve enjoyed getting to know us all, keep your eyes peeled for more exciting content from us all 🫶🏼

Congratulations to the lovely Jack & Danielle completing on their first home 😍🏡

Get to know the team! With Izzy!

When did you join Mortgages with Hannie?
August 2023

How old are you?
24

Do you have a partner/children/pets?
I have a boyfriend, working on the pets, no children!

What do you do when not providing 5 star mortgage advice?
I enjoy going on walks, recently got into the gym and love a Netflix series

What three words would you use to describe yourself?
Chatty, caring, patient.

What is something you’re really good at?
Predicting the Leeds United score, it's strange how often I get it right!

What is something you’re really bad at?
Cooking

What is your all-time favourite food?
Wagamama’s Chicken Katsu Curry or mashed potato with loads of gravy (not together!)

Coffee or tea?
Coffee!

What’s the weirdest fact you know?
A group of pandas is called an embarrassment.

What would you do with a million pounds?
Straight to Zara to buy everything, travel staying in the most luxurious hotels and if I have anything left over, I’d pay off mine and my mum’s mortgage.

Keep your eyes peeled for our next ‘Get to know the team!’

We just have the best clients 🥹

Happy Thursday to us 😍

Happy 1st of May! 🌸🌼 May this new month bring you closer to your house goals.

Get to know the team! With Millie!

When did you join Mortgages with Hannie?
October 2023

How old are you?
21 🎉

Do you have a partner/children/pets?
Boyfriend of 3 years and a 9 year old cockapoo who loves coming into the office! 🐾

What do you do when not providing 5 star mortgage advice?
Getting back into the gym and spending time with family 🏡

What three words would you use to describe yourself?
Dependable, determined, attentive 👊

What is something you’re really good at?
Being on time ⏰

What is something you’re really bad at?
Parking isn’t my strong suit! 🚘

What is your all-time favourite food?
Salmon and cream cheese bagel 🥯

Coffee or tea?
Coffee, and lots of it! But you can’t beat a good cup of tea!

What’s the weirdest fact you know?
Humans can’t walk in a straight line without looking at something

What would you do with a million pounds?
Go on a nice holiday and buy my forever home! 🏝

Keep your eyes peeled for our next ‘Get to know the team!’