Not your average mortgage broker.
Mortgages can be complicated. Luckily, working with us isn’t.
Hannah Miller Homes was built on a simple idea: mortgages don't need to be complicated. With 15 years of experience behind us, we cut through the jargon, make sense of your options and help you turn your home plans into reality.
What’s next?
About Hannah Miller
With 15 years experience in financial services and the mortgage industry, Hannah created Hannah Miller Homes with a clear idea — to make mortgages simple to understand and help people see what could be possible when it comes to their home.
Whether buying your first home feels a long way off, you’re ready to move, remortgage or make more of the home you have, Hannah can help explore your options and support you in planning your next steps.
Based in Gloucestershire and helping clients across the UK, Hannah offers straightforward advice and guidance wherever you are in your home journey because you don’t have to be ready to start asking questions.
Why use a Mortgage Broker?
There’s more to finding a mortgage than just the interest rate.
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Mortgages can be complicated. A broker can explain the different options available and help you understand what they could mean for you.
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Your income, deposit, circumstances and future plans all matter. Mortgage advice considers your individual situation before a recommendation is made.
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The lowest rate isn't necessarily the most suitable mortgage. Fees, incentives, flexibility, early repayment charges and the overall cost can all be important considerations.
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From understanding what may be possible and getting mortgage-ready, through to application and receiving your mortgage offer. A broker can guide you through the whole process and does most of the work for you.
You don’t have to be ready to get in touch.
Even if it’s just an idea, talk to us to know what could be possible.
What could your deposit look like?
Enter the property price you're considering to see an example deposit and mortgage amount.
Mortgages with a 5% deposit may be available depending on your circumstances and lender criteria.
These figures are for illustration only and do not indicate that a particular mortgage or level of borrowing will be available. Mortgage eligibility is subject to individual circumstances, affordability and lender criteria.
How much could you borrow?
Enter your annual income to see some example borrowing amounts.
Lenders use different affordability criteria and income multiples. The amount you may be able to borrow will depend on your individual circumstances, including income, expenditure, financial commitments, deposit and credit history.
These figures are for illustration only and do not indicate that a particular mortgage or level of borrowing will be available. Mortgage eligibility is subject to individual circumstances, affordability and lender criteria.
Frequently Asked Questions
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As early as possible. You don’t have to wait until you’ve found a property. Speaking to a mortgage broker earlier can help you understand what may be possible, the costs you may need to consider and how to prepare. Even if buying a home is still a future plan, getting information early can give you a clearer picture of your options.
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How much you may be able to borrow will depend on your individual circumstances and the lender’s criteria. Lenders typically consider factors including your income, regular financial commitments, credit history, deposit and the term of the mortgage. A mortgage broker can help you understand how lenders may assess your circumstances and explore the options available to you.
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The deposit you’ll need can depend on the property, your circumstances and the mortgage products available at the time. Generally, a larger deposit means you’re borrowing a smaller percentage of the property’s value, which may give you access to a wider range of mortgage options. It’s worth exploring what could be possible before assuming you need to reach a particular deposit amount.
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Mortgage eligibility depends on your individual circumstances and the lender’s criteria. If buying your first home still feels a long way off, speaking to a mortgage broker early can help you understand what lenders may consider, how much you could potentially borrow and the steps you could take to prepare for buying a home.
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An Agreement in Principle — sometimes called a Decision in Principle or Mortgage in Principle — is an indication from a lender of how much they may be prepared to lend based on certain information you provide. It isn’t a mortgage offer or a guarantee that your full mortgage application will be accepted.
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Being self-employed doesn’t automatically prevent you from getting a mortgage. Lenders have different criteria for assessing self-employed income and may ask for evidence such as accounts, tax calculations or other financial information. The options available will depend on your circumstances and the lender’s requirements.
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Your credit history is one of several factors a lender may consider when assessing a mortgage application. Different lenders have different criteria, and the nature and timing of any credit issues can also be relevant. A mortgage broker can help you understand how your circumstances may be viewed by different lenders, but mortgage approval cannot be guaranteed.
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It can be useful to review your mortgage before your existing deal comes to an end so you have time to understand the options available. Exactly when to do this will depend on your existing mortgage, including its terms and any early repayment charges, as well as the products available at the time.
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It may be possible to raise additional borrowing against your home, subject to affordability, your circumstances, the value of the property and lender criteria. There may be different ways of raising funds, each with different costs and considerations, so it’s important to understand the options before deciding what is suitable.