Residential Mortgages
From buying your first home to expanding or refinancing your property portfolio, our experienced mortgage brokers provide expert support at every stage of your journey.
Hirschle Hughes
Hirschle Hughes is a specialist mortgage brokerage providing bespoke residential lending solutions. Our team is highly skilled and experienced in dealing with specialist residential property finance and will be able to act diligently on your behalf. With access to unlimited high street lenders, building societies and private banks we will endeavour to provide you with the most suitable solution tailored to your requirements and preferences.
Hirschle Hughes are able to assist with a range of property finance solutions, whether you are a business owner looking to secure a mortgage, a first-time buyer or a high-net-worth individual, our aim is to provide you with an excellent service to ensure that your transaction is as smooth as possible.
Hirschle Hughes will provide you with a tailored one-to-one advisory service from the outset and will be able to guide you through the process, explaining all of the steps from the initial call through to completion.
Interest-Only Mortgages
Interest-only mortgages have proven to be an extremely attractive option for our clients, offering them a greater deal of flexibility when structuring their mortgages. With that being said, mortgage lenders have tightened their criteria for interest-only mortgages over the last few years, viewing these products as higher risk compared to traditional repayment mortgages.
If you’re considering an interest-only mortgage – whether for a buy-to-let investment or your main residence – it’s important to seek expert advice. With the right guidance, you can assess whether interest-only is the right fit for your circumstances and secure a product that aligns with your long-term financial plans.
First Time Buyer Mortgage
Buying your first home is likely the biggest purchase you’ll ever make, and it’s normal to feel unsure where to begin. How much deposit do you need? Which mortgage lenders will approve you? What extra costs should you budget for?
Start by working out how much you can afford to borrow – this depends on your income and outgoings. Our experienced advisers can calculate this for you and arrange an Agreement in Principle. This gives you a clear borrowing limit so you can house-hunt with confidence. Once you find your perfect home, you can provide the estate agent or vendor with the agreement in principle which shows that you are a serious buyer.
At Hirschle Hughes, we make sure your first mortgage experience is smooth and stress-free, guiding you from your initial search to getting the keys in your hand.
Ready to take your first step onto the property ladder? Contact us today for tailored first-time buyer mortgage advice.
Self-Employed Mortgages
Securing a mortgage as a self-employed business owner can be complex with criteria varying from lender to lender. Many lenders focus primarily on director’s salary and dividends, which may not fully reflect your true income potential.
Despite the rise in self-employment, the same challenges often remain when obtaining a mortgage. Typically, lenders require three years of tax returns and company accounts to assess sustainable income.
At Hirschle Hughes, our advisers take the time to understand your unique financial situation and work closely with your accountant to ensure that all necessary financial information is in place. Using our expert knowledge of the lending market, we present your case to the most suitable lenders — ensuring you access mortgage options tailored to your circumstances. Because criteria varies widely, it’s essential to have your application presented strategically to lenders best positioned to meet your needs.
Contact our expert team today to discuss your self-employed mortgage options in detail.
Company Director Mortgages
If you own more than a 25% share in your business, the way in which a mortgage lender assesses your income will change, which can make securing a mortgage more challenging. This is often because proving a sustainable income stream can be difficult, especially if your tax returns don’t fully reflect your true earning potential or retained profits within the company.
As a limited company director, you may not withdraw all profits as salary or dividends, impacting the amount you can borrow when lenders focus solely on these figures. At Hirschle Hughes, our advisors will obtain all of your company accounts and tax returns which allows us to take a holistic approach to arranging your mortgage. If your company generates significant profits beyond your drawn salary and dividends, we can connect you with lenders who assess affordability more flexibly—potentially unlocking greater borrowing power.
Contact our expert advisors today to discuss how we can assist with your company director mortgage.
Remortgaging
Securing a new mortgage on your existing property can feel overwhelming, and knowing where to start isn’t always easy. Whether you’re remortgaging to secure a more competitive rate, release equity for other investments, or to consolidate other borrowings, Hirschle Hughes is here to help.
Our experienced advisers will guide you through the entire remortgage process, comparing deals from a panel of over 140 lenders to find the right solution for your needs.
Get in touch with our expert team today to discuss your remortgage options and find out how much you could save.
Offset Mortgages
As offset mortgage allows you to use savings in a bank account linked to your mortgage to reduce the interest that you pay. For example, if you have a mortgage of £200,000 and also a savings account linked to the mortgage that holds £50,000 You will only pay mortgage interest on £150,000.
An offset mortgage can be used with a purchase, or a remortgage transaction and it can be particularly attractive if you have considerable savings but arranging them can be complicated with only a handful of lenders offering offset products. At Hirschle Hughes, we have vast experience when it comes to arranging offset mortgages and we will be able to utilise our extensive lender panel to find the most suitable product based on your circumstances.
Get in touch with our advisors today to discuss your Offset mortgage.
High Loan-to-Value Mortgages
The loan to value (LTV) of a mortgage is the ratio of borrowing that you are looking to achieve in comparison to the property value. It’s a crucial factor in any mortgage application, as lenders use it to assess risk. Generally, the higher the LTV, the higher the perceived risk – which is often reflected in a higher interest rate.
Anything greater than 85% LTV is considered a high loan-to-value. To borrow at this level, lenders typically apply stricter affordability checks and may limit the maximum amount you can borrow. At Hirschle Hughes, our experienced advisors work with an extensive panel of lenders and, in some cases, can help clients secure borrowing of up to 95% of the property’s value.
Contact our team today to discuss your options for a high loan to value mortgage and find the most competitive deal for your circumstances.
Property Finance Solutions
At Hirschle Hughes, we provide tailored property finance solutions for a wide range of clients — from first-time buyers and business owners to high-net-worth individuals. Whether you’re securing a residential mortgage, commercial loan, or bespoke lending arrangement, our expert advisers are committed to delivering exceptional service and ensuring a smooth, stress-free transaction.