coral
18 Nov 2025Great experience from start to finish. My mortgage adviser was helpful, clear, and made the whole process stress-free. I’m really grateful for the support and highly recommend! ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Happy Home Mortgages Ltd is an FCA-regulated mortgage broker based in Dorset, DT4 7JX, specialising in Buy-to-Let, First Time Buyers, HMO and 3 other areas. Rated 5/5 from 36 reviews.
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Meet our experienced team of mortgage professionals
Charlotte Harris
Mortgage Adviser
Daniel Evans
Protection Specialist
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coral
18 Nov 2025Great experience from start to finish. My mortgage adviser was helpful, clear, and made the whole process stress-free. I’m really grateful for the support and highly recommend! ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Neema Begum
5 Aug 2025Karis was extremely helpful and diligent. I really appreciated how she guided me through the process and was always on hand for any questions I had.
Michelle Miller
3 May 2025Karis helped me to find a mortgage that met my specific requirements, she was extremely helpful and always quick to respond to any queries I had. She explained everything clearly and worked very hard, nothing was to much trouble and she was very knowledgeable on all aspects of mortgages. I wouldn’t hesitate in recommending Karis or using her myself if needed again in the future.
Owen Abbott
11 Sept 2024Karis was amazing with sorting the mortgage and home insurance for me and my partner with our move to Cardiff. She was always available and quick to respond, even in the last minute panics towards completion. She sorted everything brilliantly and she made our lives so easy. Can't recommend highly enough.
Terri Williamson
12 Aug 2024Brilliant service from start to finish. Karis was always patient with us and guided us every step to get us the best deal available. Will definitely be using her again in the future and would highly recommend to anyone.
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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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