Sally Hilliker:

Your Cirencester 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.

Tel: 01285 420 500 Monday - Friday 9AM - 5PM

Contact Sally:

01285 420500 | 07926 171394 | sally.hilliker@hhhmortgages.com

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

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!

Neil and Claire Furner

13:25 02 Aug 23

Lovely company to deal with on the remortgaging of our BTL, Sally was helpful, flexible and very patient. Ben did a great job of following up to make sure all the conveyancing was dealt with in a timely manner. Everything went very smoothly.

Olly Balmer

17:45 30 Jul 23

Sally, Caroline & Ben gave a professional and courteous service, always very quick to answer emails, calls and provided advice to navigate a complex web of lender’s demands. They went the extra mile in updating us even if it was past traditional working hours.

Becci Holland

11:30 12 May 23

Sally made the mortgage renewal process stress free. Her communication was excellent and kept us updated at all times. She made sure that if she wasn’t available her colleague Caroline was. Sally made sure we were offered the best deals and updated us if these changed.

Shane barnard

11:39 04 Apr 23

Sally helped us with our remortgage, she has helped us before and we highly recommend her.She has got experience, she is knowledgeable about the different products there are available and highly committed. If you want a quick word with her however large or small nothing is too much trouble.Thank you again Sally we could not have done it without you.Kind regardsAnni and Shane

TRACEY PITTS

10:15 29 Mar 23

Sally Hilliker was highly recommended by a friend.She was very easy to talk to and knowledgable. Communication was good too. She looked at a few options for me and helped me reduce my current mortgage by quite a bit. I will be sure to be in touch with her again when my fixed term runs out and I will be recommending her to friends and family.

James Young

19:10 19 Dec 22

We couldn’t recommend Sally enough! Amazingly committed to the cause – finally completed on a property almost 2 years since our first call! Sally’s experience and expertise helped guide us through the minefield of buying a house – not just securing us a mortgage but also with insurance too. Thank you so much! James & Sarah

craigse1

15:36 01 Dec 22

House and Holiday Home Mortgages were exceptional, Sally did great research and came up with an excellent deal. Minimal effort on my part, maximum effort by Sally. I have no hesitation in recommending their services.

Lisa Croft

11:57 29 Nov 22

Sally has been so patient and incredible at guiding us through complex details and making decisions. She has sourced great deals and even helped with our own mortgage, HMO and releasing equity. I cannot recommend her enough. We haven’t ever met but she feels like a close friend!We will be using Sally in all future mortgage decisions.

Jayne Simpson

15:29 28 Nov 22

My experience of arranging a mortgage through House and Holiday Home Mortgages has been very positive. Sally is extremely knowledgeable, highly professional and quick to respond to queries. From the day I met Sally I felt confident with her and, with Caroline to assist her, they are a team to be relied upon. Thank you both.

Yasmeen Hussain

14:34 25 Nov 22

Excellent service. Sally is an amazing person, very informative and super helpful. Thank you for all your support!

Donna Bailey

15:53 21 Nov 22

Sally and her team are brilliant they advised and helped with our mortgage.Nothing was too much trouble and they responded quickly to any emails and telephone calls. We would recommend House and Holiday Home they found the perfect mortgage for us.

Nancy Hawkins

09:55 21 Nov 22

Sally’s advice and expert knowledge on the mortgage market have been invaluable to me. I’d highly recommend her!

Emma Butterworth

15:45 06 Aug 21

We can’t recommend Sally enough! We have just purchased our first home and she walked us through step by step with firstly a mortgage and then insurances. She made the whole experience easy and as non-stressful as possible, answering all of our questions and keeping us fully updated at every stage.

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.