Monday – Friday 9am – 5pm
I’ve lived in Gloucestershire since 1977 and in Cirencester since 1988. I’ve worked in banking all my working life and have been providing mortgage advice since 1992.
I achieved my CeMAP qualification in 2012 and have worked as an independent Mortgage Adviser since 2019. It’s true to say that helping people take control of their finances and achieve their home owning dreams is my vocation!
My work as a mortgage broker allows me to build long lasting relationships with my clients and become a trusted adviser, which is what I love most about my job. Helping my clients achieve their aspirations as their families expand and plans change is almost as fulfilling for me as it is for them, and I take pride in doing my best for every client.
Fulfilling your dreams
Every client’s aspiration and situation are different and the beauty of being an independent adviser is that I can survey a comprehensive range of mortgage lenders for each client and find exactly the right product. I work hard to understand the dreams and circumstances of every one of my clients and pride myself on finding exactly the right mortgage for each of them. Whether you are looking for a first-time mortgage, to move to a larger or smaller home, or add to your property portfolio of rented accommodation, I can help you achieve your dreams.
Local knowledge that can help you
Being a local, I have great relationships with a network of solicitors and estate agents, and I work hard to ensure every client finds the right advisors and support. I know that completing a property purchase can be daunting, so I always make sure I explain everything clearly to each of my clients to make the process as straightforward as possible. I keep everyone informed, provide all the support each client needs, working to make the process as painless as possible
With you every step of the way
I ensure every client is happy and confident in what they need to provide and who they need to talk to at every stage. If we come across an issue at any point during your mortgage process, I will spend time investigating the problem and find a solution.
Honest, practical advice to help you make the right decisions
It’s easy to get wrapped up in the excitement of a move and sometimes clients can find themselves thinking with their hearts, so it’s my role to act as their head. This involves being honest and truthful about what they can really afford, but I will always strive to find a solution for each of my clients. For me the most important part of my role is building trust with my clients; I have their best interests at heart and it’s crucial that they provide me with all relevant information so we can work together effectively and make the process as painless as possible.
I look forward to meeting you!
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.
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.
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.