Joe Stallard:

Your Winchester 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 Joe:

01962 391 193joe@hhhmortgages.com

Monday – Friday 9am – 5pm

I joined the family business and qualified as a mortgage broker in 2017. My father, Mark Stallard, has spent the last forty years working to build his excellent reputation in the world of financial services and I am now taking over the responsibility of further developing the service we provide our clients here at HHH Mortgages.

I moved to Winchester in 2020 and have not been disappointed! The city, countryside and access to London and the coast are fantastic, and the local community is welcoming and lively. I’m a member of the local cricket club and Round Table and thoroughly enjoy living here with my fiancée and mini-Dachshund, Dexter.

My role is to ensure I, and all our mortgage advisers, provide our clients with the best possible advice and service. We aim to cut out the jargon, work with our clients efficiently and explain everything clearly. I have specialist knowledge of holiday let mortgages, and love finding all my clients the right mortgage whether they are adding to their property portfolio or buying their first, or forever home. 

Providing excellent service

The beauty of working for my family firm is that I can ensure we provide the sort of service to our clients that I expect to receive myself. Buying a home is a stressful, confusing and can be a tough process to go through. I want to eliminate as much of that worry and stress as possible and provide a service my clients rave about. There’s nothing better than seeing a client move into their new home knowing you did all you could to make that happen!

Local Knowledge and expert advice that can help

Since moving to Winchester, I’ve worked hard to build up a useful network of contacts that can help my clients, from solicitors, estate agents and insurance brokers to specialist holiday let lending providers. I’ve also helped to shape several lending propositions in this area for holiday lets.

Buying a home is a large commitment and I work hard to ensure each of my clients know exactly what they can borrow and the details of all the additional costs they need to consider. I can advise on life insurance, income protection, critical illness cover, buildings and content insurance as well as finding the right mortgage, so that each of my clients has a clear picture of the total cost of home ownership.

Building trusted relationships

Whether it’s a first time mortgage, a forever home mortgage or a buy to let or holiday home mortgage, I work hard to help all of my clients fulfil their dream while being completely aware of all the cost implications. Through guiding every client through the home buying process step by step and taking the worry and uncertainty out of the process, I build trusting relationships and help my clients move to beautiful Winchester, and that is special!

I look forward to meeting you!

Christine ChengChristine Cheng
17:02 05 Jan 23
Joe, Ben, and Mark were WONDERFULLY helpful at all stages of the mortgage process. Friendly, courteous, knowledgeable, prompt, professional – they went out of their way to answer all of our questions (and there were a lot). Their fees are reasonable – but the most important thing to bear in mind is that you will get personal service from people who really understand this field. They are brilliant and I can’t say enough good things about HHH Mortgages!
Dan LovellDan Lovell
18:54 08 Dec 22
I Would highly recommend hhh mortgages. My wife and I used them on two separate occasions, both times we dealt with Joe. We found him to be professional, polite and extremely knowledgeable about products that would be suitable for us. We first used hhh mortgages to advise and broker our mortgage as first time buyers. Joe made us feel extremely comfortable throughout the whole process and his communication was great. The second time we have the pleasure of dealing with Joe was when releasing some equity so we could renovate our house. Joe went above and beyond to help us secure the funds we needed. When our fix ends and we look at mortgages again we will be going straight back to hhh.
Josh GrundyJosh Grundy
17:11 08 Dec 22
I have used House and Holiday Home Mortgages for all of my new and re-mortgage needs over the last 5 years – the professionalism, expertise and support that they offer is second to none. Can highly recommend.
Maryann DavisMaryann Davis
17:08 08 Dec 22
Joe has helped us move twice now and I don’t know what we would have done without him – both times! He went above and beyond to understand our financial situation and talked us through everything in great detail. Knowledgable, approachable, friendly, professional! I recommend him to everyone and wouldn’t use anyone else.
Emma MastermanEmma Masterman
19:38 10 Nov 22
We contacted Sally in the summer to ask for advice on our fixed rate coming to an end. Sally gave us excellent advice, and arranged for a new fixed rate in advance of the price hikes, and quickly processed all the necessary information. She kept in touch, making sure we were on target to complete, and saved us a big mortgage payment increase. We would highly recommend her.
Robert NewittRobert Newitt
08:09 02 Oct 22
Thank you, Sally at House and Holiday Home Mortgages, for your excellent service and complete professionalism. You supported us with our Re-mortgage and your attention to detail/transparency and kindness was hugely appreciated. Our Re-Mortgage Journey was a slightly more complicated process, but you were always on hand to talk things through and turned around a mortgage offer within a week of application! Impressive!! Thank you again. From the Newitt Family
Nick BeckinghamNick Beckingham
10:56 04 Jul 22
Very knowledgeable and extremely efficient service. Thank you for your help and I will be recommending you to my friends and family!
Nicholas GailletNicholas Gaillet
09:36 20 May 22
Joe and Ben were fantastic throughout. I would not have secured a mortgage without them due to my complicated personal circumstances (including restricted holiday let, non-UK residency, to name but two). They showed patience and professionalism over several months of rigorous enquiry by the lender to get the lender (and me!) over the line. Thank you so much Joe and Ben! Highly recommended!
Daniel VincettDaniel Vincett
16:51 10 May 22
Recently liaised with Joe Stallard for mortgage advice and he was very helpful and answered all my questions and was very quick to respond. Would recommend Joe at House & Holiday Home Mortgages!!
Jodie WroutJodie Wrout
13:02 01 Feb 22
I would highly recommend Joe and the team. They were absolutely fantastic in sourcing our mortgage for our dream holiday home in Cornwall. It was not straightforward at all for them due to the type of property but they got it sorted for us when we thought we had run out of options. Thank you so much!
Russ Jones-WalkerRuss Jones-Walker
19:58 14 Jul 21
Dealing with House and Holiday Home Mortgages was a pleasure during a stressful time. Extremely experienced advice, great level of customer service and the result we needed – can’t recommend highly enough! We felt like we were in safe hands
Laycken IonttonLaycken Iontton
15:27 30 Jun 21
I could not recommend these guys highly enough. Both Joe and Lauren made the whole process of sorting out a mortgage super simple. This was our first mortgage with HTB and they made everything clear and simple for us. Any questions we had they responded pretty much straight away. If only the rest of the house purchase was as straight forward as the work they did for us.
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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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