Claire Hogg Mortgages & Protection LTDClaire Hogg Mortgages & Protection Ltd

First Time Buyers

Buying your first home may seem like a scary process, but don’t worry here at Claire Hogg Mortgages & Protection Ltd we pride ourselves in our commitment to helping First Time Buyers and will assist you along every step of the process.

Although mortgages may seem very confusing at first, our advisors can ease your worries with simple and clear mortgage advice. Our aim is to help you understand your affordability and explain what deposits are required in a straight forward manor.

Our experienced advisors will discuss with you the different schemes available to help First Time Buyers and establish if any of these meet your needs.

We will take you through every step of the process from receiving your initial enquiry through to receiving the keys to your first home.

Home Mover

There are many things to consider when looking to move home…How much can I afford to spend? How much is my property worth? Do I have any early repayment charges? The list is endless.

As mortgage advisors we are able to guide you through every step of the process and ensure you consider all options before taking your property to the market.

We can ensure that you are fully informed and aware of all of the options available to you and will help you along the journey every step of the way.

Remortgage

As general living costs continue to rise, there has never been a more important time to review your mortgage. You probably review your insurance and credit cards every year, your mortgage should be looked at in the same.

Life circumstances change; your income may be higher or the value of your home may of increased. A remortgage is your chance to pay off your old mortgage and switch to a new one with a better interest rate, potentially saving you hundreds of pounds.

Our advisors will find you the most suitable deal on the market that suits your needs and criteria.

Capital Raising

Some people remortgage purely for a better interest rate, while others look to raise money against their home, perhaps to funds home improvements, or to assist a child in buying their property.

Whilst you should consider carefully increasing your mortgage balance, this is something we are able to help you with, our advisors will complete a full review of your circumstances to establish if this is a possibility and if so make the right recommendation to meet your needs.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Protection

Buying a new home is an exciting time in life, however we also need to look at what would happen to you, your family and your home if the worst happens.

Our Protection Advisers are here to help you identify your protection needs and talk you through the options available to you, giving personal recommendations and helping you get the right protection in place.

No one likes to think about the worst so we are here to make it as simple and painless as possible, we will walk you through every process from our initial call to finding the right insurer based on your personal information, then submitting your policy.

We offer a range of different Protection cover to suit your needs:

Life Insurance
Critical Illness Cover
Income Protection
Whole of Life Cover
Over 50’s non-underwritten insurance
Buildings & Contents
Landlords Insurance

About Us

With years of experience working in Financial Services, we at Claire Hogg Mortgages and Protection Ltd, know exactly how to take the pressure off when it comes to anything Mortgage and Protection related. Once we have assessed your individual circumstances, we use our extensive knowledge and expertise to find the most suitable solution for you.

We can advise you no matter what your circumstances are. Whether you are a First Time Buyer looking to get on the property ladder, maybe someone who is looking to purchase a BTL investment property*, perhaps you are self-employed or simply currently a homeowner looking for a better rate, we are here to help! Beyond this, we can also help you with mortgage advice even if you have had missed payments, defaults and CCJs.

Another key element of our service is Protection Advice. Quite often, not at the forefront of our minds, however, we believe that everyone needs a plan to cover "what happens if something goes wrong" and at Claire Hogg Mortgages and Protection Ltd this is exactly what our specialist protection team will do for you.

Our aim to ensure that we will guide you through the process with dedicated support, from the initial consultation right through to completion.

So, whatever your situation, we have the team in place to help you to achieve your goals.

*Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Claire Hogg

Claire is the Director of the Company and Senior Mortgage & Protection Advisor.

Claire has worked within the Financial Services sector for over 20 years, starting as an apprentice at the age of 16 and took the huge step in setting up her own business in 2018.

Claire has a huge passion for what she does and her biggest attributes are her knowledge, communication skills, patience and most importantly a natural ability she has to make everyone feel valued.

If there is a way, Claire will always find it. She will never judge and will always try her best to help. Claires brain is like a huge font of Mortgage & Protection knowledge and on a daily basis we all ask - "how on earth do you know that".

Claire is also a wife to James, Mum to Kieran, Ethan & Lillie-Grace and when away from work loves to spend time with her family and friends.

Claire has excelled in the mortgage and protection industry, she has obtained number of industry specific qualifications and awards for her service along the way, she is currently working towards her CeMAP Diploma to extend her knowledge.

James Hogg

James is Claire’s husband and has been a part of the business from day dot.

James will tell you he is one of the most important cogs of the business and to be honest he is not far wrong. His title is Office Manager, however in actual fact, he is much more than that. James helps to guide and support on all aspects of the business, James comes with a wealth of experience in retail management and has been able to transfer a number skills that have been imperative in driving the business forward.

You will quite often hear him putting over his Motos on a daily basis, two of his favourites are "systems, methods & routines" & "Right person, Right place, Right time".

Joking aside - James' knowledge, hard work, passion and experience are second to none and he is a huge asset to the business.

James has 3 children, loves his music and is a huge Manchester Utd fan.

Neil Hanlon

Neil joined Claire Hogg Mortgages & Protection Ltd in July 2020 and soon after passed his CertPro qualification, he is now a registered Protection Adviser. Neil is a very important member of the team and heads up the Protection department.

With several years of experience working within the Protection industry, Neil built up a wealth of knowledge and understanding which helps him to make Protection Advice simple and clear for his clients.

Neil loves spending time with his family, going to watch live music and football.

Sophie Williamson

A longstanding and extremely important member of the team, Sophie has been with the company, pretty much from the start.

Amongst many day-to-day duties, Sophie's most important responsibility is the submission and processing of Mortgage & Protection applications. This task entails significant attention to detail and accuracy and cannot be under estimated.

Sophie contributes to a very important part of your mortgage journey and will ensure you receive a mortgage offer as fast as possible.

Sophie is a mum and wife. In her spare time Soph enjoys fancy food and cocktails, she enjoys to cook and loves to take Pheebs on long walks.

She is about to start studying her Cert Pro so watch this space for her career progression.

Emma Hepperle

Emma has over 15 years’ experience within the Financial Services Sector. Emma joined Claire Hogg Mortgage & Protection Ltd in October 2020 as a Personal Assistant to Claire.

Emma has a wealth of knowledge and her CV contains experience working at lettings agencies, a recruitment agency, mortgage advisors and an Insurance brokerage.

With an abundance of passion, Emma is an invaluable member of the team, providing excellent support to Claire. Emma takes on several tasks at any given time, meaning she is well organised. She is very competent in her mortgage knowledge and often the go to person with your queries!

Emma enjoys walking her dogs and spending time with her friends and family on a weekend.

Emma is now qualified after completing her CeMAP and is currently working towards her Competent Advisor Status.

Abbie Colclough

Abbie is the newest member of our growing team, having joined us in October last year. She has fitted in extremely well and is already looking like a perfect complement to the business.

She is currently training and developing in a number of areas, with the intention of her being a major part of the administration and compliance function.

She is already showing strong potential and smashing any task she is given.

Abbie came to us with an extensive retail management background and will shortly begin industry specific qualifications to extend her knowledge further.

Abbie is married with 3 young girls and loves coming to work for a break!

Tailored Mortgage & Protection advice,

designed to meet your individual needs.

Call us today 01325 582900

Our Services