Ella Marks
11 Jul 2025Mark has been absolutely amazing with organising mine and my partners life insurance and income protection. He has gone above and beyond especially with my more tricky situation. Couldn’t recommend enough!
HB Partners Mortgage & Protection is an FCA-regulated mortgage broker based in Hertsmere, WD7 7NN, specialising in Buy-to-Let, Commercial, First Time Buyers and 3 other areas. Rated 4.9/5 from 36 reviews.
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Meet our experienced team of mortgage professionals
Ella Marks
11 Jul 2025Mark has been absolutely amazing with organising mine and my partners life insurance and income protection. He has gone above and beyond especially with my more tricky situation. Couldn’t recommend enough!
Samuel Deboo
9 Jul 2025Was a pleasure working with Mark. Ensured he took the time to give you all the details to allow for a well informed decision. Would highly recommend to anyone looking to mortgage/life protection.
Maliha Zaidi
12 Sept 2024I was recommended to Leah by a friend, and I’m so glad I went with her for my mortgage needs. From start to finish, Leah was incredibly prompt in responding to all my questions, no matter how many I had. She consistently provided clear, helpful answers and made sure I fully understood every step of the process. Leah’s knowledge, combined with her understanding and considerate approach, took the stress out of what could have been a very overwhelming experience. I truly felt like she was in my corner, always looking out for my best interests. If you want a mortgage broker who is not only efficient but also caring and attentive, Leah is the one. Highly recommended!
Lucy Wright
20 Sept 2023HB Partners came recommended to my husband and I when needing advice with mortgages. We had a stressful timescale, complicated circumstances and a lot of variables, all of which Steve tackled with kindness and understanding. They always pick up the phone, call or email you back. Communication is excellent and will reach out with updates instead of being chased for them. Absolutely refreshing experience with them, amongst what is naturally a stressful environment. I will be forever grateful for their input in our house move, much respect for their ethos and would recommend to anyone in a heartbeat.
Reyhan Akyıldız-Gladstone
18 May 2023Steve has acted as our broker twice now and both times he's been delightful. He's friendly, knowledgeable, efficient and organised and I will always return to HB when I need to remortgage. Mark is also fantastic and was very patient with explaining Life Cover to us and finding us a good deal. 10/10 for HB Partners and a big thank you
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.

The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.

UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.

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