Janet Hardy

Your Swindon Mortgage Broker

  • Free initial consultation
  • Specialist mortgage adviser
  • See if I can help you find the right deal

Get in touch for a free, no obligation chat about how I might be able to help you.

Contact Janet:

01793 310 002 | 07950981415 | janet.hardy@hhhmortgages.com

Monday – Friday 8am – 6pm 

Evening and weekend appointments are available on request

I was born in Swindon and have lived here for over 40 years. I now live in Stratton St Margaret and have a partner. I have three grown up children nearby, and a granddaughter whom we love to spend as much time with as possible! Listening to live music is a passion of mine, and I formerly helped the RAF Association with their members club for over 10 years, which was a great social club for many until it sadly closed in 2022.

Having worked in financial services since 1989 when I joined Cheltenham and Gloucester Building Society, I gained my CeMAP qualification in 2005 and CeRER in 2010. I worked for Nationwide Building Society from 2013-2021 and now love working as a mortgage, Later Life Lending Adviser and Protection adviser with HHH Mortgages.

My approach is to take time to understand each client’s circumstances and aspirations, whether they are first time buyers trying to buy their first home, home movers, or older homeowners wanting to secure a Later Life mortgage to release capital for their retirement. I share every client’s journey and take care to attend to the detail so that I can provide a fully bespoke service recommending the mortgage that best fits their needs. 


Links with the local community

I work closely with local businesses and professionals such as accountants, solicitors and wealth managers, who recommend me to their clients to provide mortgage advice and support.

I am proud to support Armed Forces personnel with mortgage advice and to promote home ownership and financial stability in this important community and I particularly enjoy working with other local small businesses to provide them with support and advice.

Taking pride in providing excellent service

It’s important to me that every client sees me as their professional friend who will ‘dot all the I’s’ and ‘cross all the t’s’, making sure they are fully informed every step of their purchasing journey. I enjoy meeting people, building a positive relationship, and gaining a deep understanding of their aspirations so I can provide the best service and advice possible.

I always try to put myself in my clients’ shoes to ensure they have confidence in my support and understand everything they need to do at each stage of the process. I am always happy to be flexible out of normal office hours to fit around my client’s availability. No waiting in queues on the phone or wasting your holiday having to book an appointment in office hours if that doesn’t suit you.

Offering help and support no matter what your circumstance

Sometimes our financial lives can become very complicated without us intending this to happen. For me, there is nothing better than helping a client straighten out their debts and mortgage to give them a fresh start, or helping an older couple release equity from their home so they can help their grandchild buy their first home, repay their mortgage, or just enjoy their retirement doing the things they’ve dreamed of doing. Relieving clients of their worries and seeing them go off on a holiday of a lifetime or set off in their new motorhome when they had thought their retirement would mean living frugally is a wonderful feeling.

Building trusted relationships

Fundamentally I put my clients at the heart of everything I do and delight in their pleasure when they achieve their aspirations with my help and expertise.

I look forward to meeting you!

Steven ThomsonSteven Thomson
16:47 10 Nov 23
Janet was fantastic nothing was too much trouble. She gave us so much of her time to fully go through everything to ensure we understood it all. Great communication and always prompt replies to emails. Would definitely recommend Janet and would happily use her services in the future.
Robert WRobert W
13:38 01 Nov 23
I have been in contact with Janet from House and Holidays Home Mortgaged for over a year now. She has been so helpful at each and every stage of the process. She has always been on hand to settle my nerves and ensure that I am getting the best deal/or remain fully informed as to any changes. On many occasions, she has gone the extra mile, working late or chasing up any outstanding documents. I would fully recommend this company.
Simon MSimon M
17:16 02 Oct 23
Janet Hardy was really courteous and professional. She was very experienced and well informed on all mortgage products that best suited our needs. She went over and above to keep us informed by email and phone. She provided a fantastic personal service, I would recommend Janet and House and Holiday Home Mortgages without hesitation.
Sam TownsendSam Townsend
16:03 21 Sep 23
Excellent service from start to finish from Janet and Caroline.Janet took the time to understand what we wanted to achieve with our remortgage and, with her expert knowledge, quickly found the best deal for us.Would highly recommend and use again.
14:24 07 Sep 23
Janet provided an excellent service and nothing was too much trouble. I would recommend Janet without hesitation. Thank you for all your help.
Scott WatsonScott Watson
04:27 13 Aug 23
Needed some help with our mortgage and Janet came to the rescue. A very personable character, she put us at ease from the get go working professionally and diligently. I wouldn’t hesitate to recommend Janet to anyone for mortgage/remortgage advice, she really does go about her business with passion and communicates extremely well at all times. Thanks Janet for your help, we loved meeting you and will definitely come back to you when our mortgage is next due for renewal 🙂
Elaine HallElaine Hall
16:39 29 Jul 23
Janet was so supportive and understanding of my mortage situation as a single parent, she talked me through the process step by step as a dyslexic adult it was very much at the pace I needed. I now have comfort that I can support my children’s home stability.
Janet Hardy, what can I say…extremely knowledgeable and professional but takes the time and trouble to explain things in layman’s terms. Alongside this, Janet is a genuinely lovely person who goes above and beyond to help make the process a painless one and instills confidence, every step of the way. Janet takes pride in providing the best possible service and this enables the best possible outcome. Thank you Janet, I would have no hesitation in recommending you to anyone and given the opportunity, I will.
Vicky DaviesVicky Davies
11:29 06 Jun 23
Janet was super friendly, personable and efficient. As I navigate my unpleasant divorce, she made an incredibly difficult conversation painless and easier to process. I will most definitely come back to Janet for any future financial needs and have no hesitation in recommending to anyone seeking advice or looking for a particular financial product. Thank you, Janet.
Robin ArthurRobin Arthur
15:47 09 Mar 23
I have worked with Janet on several mortgage types….Janet Hardy has great detailed knowledge and experience of the market and provides superb service finding the most competitive mortgage rate options for me. She is keen to keep her clients happy and is also able to recommend great solicitors who were also competitively priced, making the whole process as smooth as possible.
Natalie ShepherdNatalie Shepherd
19:02 08 Mar 23
I felt very at ease speaking with Janet and her questions/reminders were spot on.She made what was a very stressful exercise extremely pleasant and easy.I would definitely recommend Janet.
Madeline Van Der WalMadeline Van Der Wal
19:18 06 Mar 23
Janet Hardy, my Adviser was absolutely amazing. The world of Equity Release is mind boggling, and a bit scary…..but Janet went through all the stages carefully, tactfully and with a great deal of understanding. Janet came to see me, she listened to what my intended plans were, , and presented the best type product which suited me.. She had a great deal of empathy which is needed with this type of lending. I was not rushed, and liked the fact that a speciality Independent Equity Release solicitor came to my home too, and went through everything thoroughly also, to make sure I knew all the finer details, was completely happy with my decision, and understood my future optionsI would recommend Janet and the Service she provides as outstanding, I am very happy with my chosen product, and I know she will be on hand if every I need her help in the future…..Madeline
Abbie SoreAbbie Sore
12:00 02 Oct 22
Janet is very supportive person and know what she is talking about when it comes to mortgage. Janet is lovely and bubble person.
Tom BarberTom Barber
09:14 18 Sep 22
At a time when BtL rates are continuously rising, my priority has been to get a mortgage deal sorted ASAP. Not only did Janet manage to find me the best rate on the market at the time, but she and the team were extremely efficient at processing my mortgage application swiftly. She was extrely informative throughout the whole process and I can’t recommend her highly enough if it’s a clinical, attentive and effective broker you are looking for.
Martin CorleyMartin Corley
16:56 09 Aug 22
Janet is so incredibly helpful and really lovely lady. She is approachable and makes everything so easy to understand. She goes above and beyond to find the best deal and is always there at the end of the phone/email for any questions. Despite some challenging issues she gave an excellent service when sorting my mortgage. I would recommend her 100% for your mortgage needs
Neil RobinsonNeil Robinson
21:26 01 Aug 22
Janet is a great broker to deal with, she spends a lot of time understanding your financial needs and provides a personal touch. Highly recommended for sorting out your Mortgage. She even video calls. I will be sure to use in the future.
Deana BakerDeana Baker
13:50 13 Jul 22
Janet was extremely personable and couldn’t do enough to help us. I felt in safe hands and that she would do her very best. Would highly recommend.
andrea jenningsandrea jennings
19:32 09 Jul 22
Janet helped and and advised me buy my first property. She was with me every step of the way, and took the stress out of sorting mortgages etc. I highly recommend her services and would definately use her in the future.
Paul TrinderPaul Trinder
16:19 14 Jun 22
I had great friendly, fast and efficient service from Janet. She was very quick to acknowledge and act on my enquiry and I would 100% recommend!!
Jennifer YatesJennifer Yates
12:14 27 May 22
Janet was absolutely brilliant from start to finish. She made everything very easy to understand and was very efficient, but also very patient with my many questions. She definitely went above and beyond to make the process smooth and straightforward, and I’m very confident in the mortgage selected.
Julie FarrJulie Farr
10:04 14 Apr 22
Janet gave an excellent service when sorting my buy to let mortgage. She was easy to contact, very thorough in her dealings and has the unique combination of professionalism and approachability – a genuinely nice person and she gets the job done well, despite some challenging issues! I would recommend her 100% for your mortgage needs.
Zoe OZoe O
18:11 11 Apr 22
Janet is so incredibly helpful. She is approachable and makes everything so easy to understand. She goes above and beyond to find the best deal/solution and is always there at the end of the phone/email for any questions. I feel so at ease in Janet’s care and cannot recommend her enough!
Jess EnglishJess English
18:18 06 Apr 22
Such a warm and helpful lady. 100% recommend to anyone.

My most frequently asked Questions

What services do mortgage brokers offer?

At House and Holiday Home Mortgages, we provide a range of services to make your buying process as simple as possible. We assist you in finding the right mortgage product, whether you’re a first-time buyer, self-employed, looking to re-mortgage or you’re interested in increasing your property portfolio.

Here are the services that we offer:

  • Financial advice, such as advice on mortgages, mortgage protection policies, insurance products and referrals to Will writing experts.
  • Help to find the right solicitor for you; for first time buyers we recommend selecting a local solicitor that you can visit in person.
  • Full administrative support from the beginning and right through the process.
  • Contact with the right holiday letting agency if you are launching a holiday let property.

What are the benefits of using a local mortgage broker?

Working with one of our local mortgage brokers means you will be advised by someone who is highly experienced, has local knowledge to help you find the right local advisors and the right property as well as the right mortgage product for you. Our mortgage brokers work with over 60 different lenders and have worked hard to build good working relationships with each of them so they’re able to find you the best deal for you and your circumstances, and work to keep your transaction progressing.

Sally Hilliker, in our Cirencester office, is dedicated to finding solutions to any issues that may arise. She will help you to accurately complete your mortgage application and provide the right paperwork as well as putting you in touch with expert local solicitors and estate agents. She will always take the time to understand your plans and when needed, offer you realistic and honest advice.

Knowing the Cotswolds area well, she can help you understand what to expect to uncover on property searches, for example. From familiarity with future developments, to council tax bands, her expertise and local knowledge will help ensure your home buying experience is a positive one.

Mortgage brokers vs using a bank: Which is better?

A mortgage broker offers you an unbiased view of the entire market, they often have over 60 lenders on their books, and they’ll work with you to determine which is the right fit. We’re completely unbiased and transparent about the positives or negatives of a particular lender for you and your situation. Although visiting your own bank may seem like the simplest thing to do, they won’t be able to provide you with unbiased advice as they can only advise on their own products. We consider every aspect of a lender to determine whether they meet your needs. Our years of industry experience mean that lenders often come to us for advice, especially for holiday letting properties.

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01453 887179

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