Buying a home isn’t always straightforward. Every person has a different situation, different plans and sometimes a few hurdles to overcome along the way.
We take the time to understand the full picture, explore the options available and find a way forward that works for you.
Here are just a few of the people we’ve had the pleasure of helping.
Harry and Ellie had found their dream home and were ready to make an offer. There was just one concern: Harry had only been self-employed for a year, and they weren’t sure whether getting the mortgage they needed would be possible.
Rather than letting that stop them, we took the time to understand their circumstances and explored the lenders available to them. We found a mortgage that worked for their situation and helped them move forward with confidence.
What initially felt like a potential hurdle didn’t have to stand in the way of their plans, and we were delighted to help Harry and Ellie take the next step towards making their dream home a reality.
✮✮✮✮✮
"Holly has been amazing from start to finish. She got our mortgage in principle sorted in one morning so we could put an offer in on the house we loved, then guided us through everything – self-employed income, ISA bonuses, gifted deposits, the lot.
We really didn't know where to start, but she always replied promptly and explained things clearly every step of the way. She also sorted our home insurance quotes for us. Genuinely felt like she was on our side the whole way. Couldn't recommend her enough!"
- Harry & Ellie, July 2026
Finding the right lender for a first home together.
Declan and Maisy were first-time buyers excited to start their next chapter together. However, with Declan working as a subcontractor, his income wasn’t quite as straightforward as a typical mortgage application.
Different lenders can assess subcontractor income in very different ways. Some may treat applicants as self-employed, while others can consider them as employed depending on their circumstances.
We explored their options and found a lender able to assess Declan’s income in the right way, helping them secure the level of borrowing they needed.
With the right lender in place, Declan and Maisy could move one step closer to their first home together.
✮✮✮✮✮
"We couldn’t recommend Holly enough!! She has gone above and beyond to support us with our first house buy, we literally didn’t have a clue what we were doing and Holly was so reassuring and made the process as easy as it could’ve been for us.
Holly you have been amazingly friendly, supportive and just all around incredible in getting us through this process as quickly as possible! We honestly could not have done it without you! We appreciate your hard work, thank you so so so much!!!"
- Declan & Maisy, Oct 2023
Helping Jen stay in the home she already loved.
Jen came to us through a personal recommendation. She was self-employed, her deposit was being gifted by a family member and, with her landlord selling the property she called home, she faced the possibility of having to move.
Instead, Jen wanted to know whether she could buy the property herself.
We worked closely with her to understand her circumstances, find a lender comfortable with her situation and guide her through the process from beginning to end.
Before long, Jen wasn't preparing to leave her home – she was becoming its owner.
✮✮✮✮✮
“Holly has been absolutely amazing from start to finish! Not only has she been extremely knowledgeable and helpful but she's also been incredibly patient with my chaos and meltdowns!
I would 100% recommend her to anybody looking to buy and she will be the first person I contact if I ever buy anywhere else!”
- Jen, July 2026
A dream home that needed a little more work behind the scenes.
When Becky spotted what could be their perfect family home, she and Will weren't sure whether the numbers would work from a lender's perspective.
Becky was self-employed, while Will had only become a subcontractor three months earlier, reducing the number of lenders available to them.
The property brought another complication. Its connected annexe had an EPC rating of G and required substantial renovation work, narrowing their options even further.
We researched the available lenders, found the right fit for their circumstances and got everything moving within a matter of months.
✮✮✮✮✮
“Literally cannot put into words how FANTASTIC Holly & her team are! They made buying our new house super easy & took all the stress away!
I recommend Holly to everyone! I can’t thank you guys enough for everything!”
- Will & Becky, Aug 2026
Finding a solution when the usual affordability rules didn't quite fit.
Robert and Corina had found their perfect new home, but their circumstances made the mortgage a little more complicated.
Corina already owned a residential property occupied by family, meaning their new purchase would be treated as a second residential property.
Robert was also a business owner with more complex accounts, so simply looking at a headline income figure wouldn't tell the whole story.
We carefully reviewed their circumstances and searched for a lender able to maximise the income that could be considered while ensuring the mortgage remained affordable across both properties.
The result? Robert and Corina were able to secure their new home.
✮✮✮✮✮
“Many thanks to Holly!!
Thanks to Holly – we've just moved in to our new home!!! Many thanks for your patience, perseverance and hard work as I know the fact I am a business owner made securing our mortgage even more challenging. We highly recommend HW Mortgage Solutions Ltd.”
- Robert & Corina, Aug 2024
Self-employed? First-time buyer? Moving home? Complex income? Or simply unsure where to start?
That's exactly where good mortgage advice can make a difference. At HW Mortgage Solutions, we'll take the time to understand you, explain everything without the jargon and search for a mortgage that fits your circumstances.
Whatever your starting point, let's see what's possible.
