How we can help:

At HMA, we provide structured mortgage advice for professionals who value their time, clear advice and proactive case management — handled by one adviser from start to finish.
With access to a broad range of UK lenders, including those not available direct to consumers, we’re well placed to recommend the most suitable mortgage for your circumstances, Including where income or borrowing needs are more complex.

Important: Your home may be repossessed if you do not keep up repayments on your mortgage.

Residential mortgages

Buying, moving, or remortgaging with clear advice and tidy admin.

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First-time buyers

Simple steps, realistic expectations, and support to completion.

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Buy-to-let

Structured advice for first or growing portfolios.

View buy-to-let →

Who we help

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Lawyers & legal professionals

Clear advice for busy legal careers.

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Banking & finance professionals

Structured guidance and proactive support.

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Contractors & consultants

Clear lender packaging for day-rate work.

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Self-employed & business owners

A clean lender story around the facts.

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Foreign nationals & UK visa holders

Clear expectations and lender routes.

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Not sure where you fit?

Message us and we’ll point you to the right page.

How we get you ready to offer

A simple, structured process that gets you clear on budget, confident on next steps, and in a strong position when you find the right property.

Get in touch

Send your details in the contact form or on WhatsApp and we’ll contact you within one business day to arrange a video call.

Initial conversation (no-obligation)

We’ll talk through your plans, timing, and budget. Usually, no documents are needed at this stage.

Ready to offer

We’ll explain the buying process and costs, give an indication of rates and monthly payments, and — where appropriate — secure a decision in principle so you’re ready to make offers with confidence.

From offer accepted to keys

Once you have an accepted offer, we recommend the most suitable mortgage, collect documents, submit the full application, and manage the process through to completion — including monitoring rates up to the day you complete.

Fees

Our standard fee for a purchase is £495 on completion and £195 for a remortgage.

Speak with an adviser View our fees

Our values