For many couples, remortgaging is simply about securing a better deal. However, for Sarah and Paul from St Helens, their remortgage journey with HFA Mortgage & Protection became so much more. It gave them the security and stability they needed as they prepared to grow their family and in the end, that decision proved life-changing.

Planning for the Future

Sarah works in Liverpool city centre, while Paul’s career takes him into Manchester every day. Both were doing well in their jobs and had worked hard to build a stable home. But like many couples, they had their eye on the next big chapter, starting a family.

As Sarah’s mum gently (and sometimes not so gently!) reminded them about the prospect of grandchildren, the couple began to seriously plan ahead. They knew that with maternity leave on the horizon and all the costs that come with raising a child, certainty around their monthly mortgage payments would be key.

That’s when they turned to HFA Mortgages & Protection.

Why a 5-Year Fixed Rate Remortgage Made Sense

When Sarah and Paul explained their hopes and concerns, we knew that a long-term fixed rate remortgage could be the right solution.

Here’s why:

• Stability: A fixed rate would mean their monthly payments stayed the same, regardless of interest rate changes.

• Budgeting confidence: With the cost of living fluctuating, knowing exactly what would be going out on the mortgage gave them the ability to plan for other expenses.

• Peace of mind during maternity leave: If Sarah did fall pregnant, the couple could manage on one full salary plus maternity pay without worrying about unexpected jumps in mortgage costs.

We explored a range of products together, compared deals across the market, and ultimately secured them a competitive 5-year fixed rate that gave them exactly the reassurance they were looking for.

Life Happens – Twice Over!

Of course, even the best-laid plans can take a surprising turn. Not long after remortgaging, Sarah and Paul had the happy news they’d been hoping for, they were expecting. What they didn’t anticipate was double the joy: twins!

Suddenly, instead of planning for sleepless nights with one baby, they were preparing for life with two little girls. While their day-to-day lives became far more hectic, their finances didn’t have to.

Due to their mortgage payments being fixed, Sarah and Paul could focus on what really mattered, their family. This was also without the added stress of rising repayments. As Sarah put it:

“Knowing the mortgage was sorted meant we could enjoy the moment. With twins, you need all the peace of mind you can get!”

Looking Ahead

Fast forward five years, and Sarah and Paul’s daughters are now starting school. The couple are already thinking about their next remortgage, but this time from a very different position.

Sarah is preparing to progress her career again after time focused on childcare, and with both of them back to full-time work, their household income is strong. Thanks to that earlier decision to lock into a 5-year fix, they’ve had stability during the most demanding years of family life. Now they can look ahead to the next stage with confidence, whether that’s finding another competitive fixed deal, reviewing protection options or even planning for a bigger home as the twins grow.

Why This Matters for You

Sarah and Paul’s story is unique, but the principle applies to many homeowners. Life changes, sometimes suddenly and your mortgage should support your goals, not add extra pressure.

  • If you’re planning for a family, a fixed rate could give you the certainty you need.
  • If you’re worried about rate rises, fixing could protect you from unexpected costs.
  • If your income might change, knowing your mortgage payments won’t can bring real peace of mind.

At HFA Mortgage & Protection, we take time to understand your story and match you with the right solution. Just like Sarah and Paul, you deserve a mortgage that supports your future, whatever it holds.

Secure Your Future with HFA

Whether you’re in St Helens, Wigan, Manchester, Liverpool, or anywhere in the North West, our role as expert mortgage advisers is to help you plan ahead with confidence.

If you’re thinking about remortgaging, starting a family, or simply want the reassurance of knowing your payments won’t change, we’d love to help.

Contact HFA Mortgage & Protection today and find out how we can give you the security when you need it most.

Disclaimer:

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500.

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