Buying a home doesn’t have to be stressful
Getting a mortgage can feel complicated — the market changes fast and the process can be overwhelming. But with Hug Mortgages by your side, it doesn’t have to be. We’ll listen to your needs, guide you through every step, and search the whole market to find a mortgage that fits you perfectly. Our goal is simple: less stress, more confidence, and the keys to your new home in your hand.
Learn more about the mortgages we offer
House purchase
Buying your next home should feel exciting, not stressful. Whether you’re upsizing, downsizing, or relocating, we’ll guide you through your options. Our advisers can help you decide if it’s best to stick with your current lender or find a new deal elsewhere — always with your best interests at heart.
Remortgage
When your current deal ends, it’s the perfect time to review your options. We’ll compare rates across the market to make sure you’re not paying more than you need to. Whether you want to lower your monthly payments, borrow more, or release equity, we’ll make the process smooth and simple.
First time buyer
Taking your first step onto the property ladder is a big milestone. We’ll explain deposits, schemes, and affordability in plain English — no jargon, no judgement. From agreement in principle to collecting your keys, we’ll be by your side, making sure you feel confident every step of the way.
Business Owner Mortgages
Running your own business often means your income isn’t as straightforward as someone on a salary. At Hug Mortgages, we get that. We’ll take the time to understand your unique situation and find the right mortgage solution to suit you.
Self-Employed & Freelance Mortgages
If you’re self-employed or freelancing, you still have access to the same mortgages as everyone else—whether you’re buying your first home, moving, or investing. The only difference is how lenders check your income, and we’re here to guide you through that process.
Buy to Let Mortgages
Thinking about investing in rental property? Whether you’re buying your first buy-to-let or looking to remortgage, we offer flexible solutions to help landlords make it happen.
Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
Protect what matters most
Life doesn’t always go to plan — but the right cover can make all the difference. Our specialist advisers can guide you through life insurance, critical illness cover, and income protection, so you and your loved ones feel secure about the future.
Hug Mortgages are not authorised to provide advice on Protection products; this will be referred to our trusted protection partner, Hug Life.
Real stories. Real peace of mind.
Our customers trust us with the most important things in their lives. Here’s what they say:
"Honestly the BEST service ever! Dealing with a very outdated mortgage (which was wildly expensive) a name change, change of profession/earnings, adding a spouse & many other obstacles, none of which were a problem."
"Our fixed rate was up at the beginning of October. We dealt with Vesta (Hug Mortgages) before and they got us a brilliant fixed rate last time. And of course they did it again. Great and friendly and are at the end of the phone no matter what questions you have to ask."
"In all honesty, Rachel has relieved so much stress by securing me and my partner a re-mortgage, I cannot recommend Rachel enough. I could not have done this by myself so having Rachel there to do all the hard, dirty work for us was a blessing. She was helpful and knowledgeable all the way through. She worked tirelessly to secure us a mortgage when we were certain it could not be done. You have saved us both a huge amount of money per month and saved us so much stress, Thank you!"
Mortgage FAQs
No. Hug Mortgages is completely fee-free. We’re paid a commission by the lender once your mortgage completes, which means you get all our advice and support at no cost.
Usually proof of ID, proof of address, recent payslips, bank statements, and details of any existing credit commitments. Don’t worry — we’ll give you a simple checklist before you start.
Yes. We regularly support self-employed clients, contractors, and those with multiple income sources. We’ll find lenders who understand your situation.
It varies, but typically a few weeks from application to offer. We’ll keep you updated at every stage so you always know what’s happening.
No problem. If you’re remortgaging, we’ll review your current deal, compare it to the market, and make sure you’re not paying more than you should.