Hand Picked Mortgages
Unlocking homes, not just loans
First Time Buyers
Buying your first home? We’ll guide you every step of the way with clear advice, access to competitive mortgage deals, and support from application to completion.
Home Movers
Moving home made simple. Whether you’re upsizing, downsizing or relocating, we’ll help you secure the right mortgage so you can focus on your next chapter.
Remortgages
Is your current deal ending? We’ll review the market, compare options, and help you switch to a rate that suits your goals and your budget.
Buy to Let
Building or expanding your property portfolio? We provide tailored buy-to-let mortgage advice designed to maximise returns and support long-term investment plans.
Mortgage advice built around your future plans
To make an informed, confident decision about your mortgage, you need the professional, friendly, expert approach that Hand Picked Mortgages are known for.
We're here to help anyone who wants to buy a home, whether they’re first-time buyers, moving home, remortgaging, buying to let or building a property portfolio. We know that, whatever your experience, navigating what’s available, finding the most suitable rates and lender can be overwhelming and time consuming.
Founded by Helene Austin-Stock, who has over 20 years’ experience supporting clients through one of the biggest financial commitments they will ever make, we work hard not just to find a mortgage product, but to guide you through the process in a way that feels clear, realistic and properly thought through.
That means taking the time to understand your circumstances, explaining your options in plain language, and being there when questions inevitably arise.
Behind the scenes, we work with a network of 90+ lenders and established systems that give us access to a thousands of mortgage products. We know it’s important to our clients to have our knowledge and experience on their side, and to work with a mortgage broker who can help them navigate decisions that can otherwise feel overwhelming.
Whether you are at the very beginning of your thinking or ready to take the next step, our aim is to make the process feel calmer, more manageable, and built around what matters to you.
“Helene took the time to explain everything clearly, kept us updated at every stage, and genuinely cared about getting the best outcome for us.”
Jack Conway
Support at every stage of the process
Making an informed decision about your mortgage is rarely about a single moment in time. It is about understanding what works for you now, and how that decision supports what comes next.
We work across a wide range of lenders and mortgage products, using established systems and long-standing professional relationships built over more than two decades. This allows us to focus on finding solutions that genuinely fit your circumstances, rather than treating your mortgage as a one-off transaction.
Making an informed decision about your mortgage is rarely about a single moment in time. It is about understanding what works for you now, and how that decision supports what comes next.
We work across a wide range of lenders and mortgage products, using established systems and long-standing professional relationships built over more than two decades. This allows us to focus on finding solutions that genuinely fit your circumstances, rather than treating your mortgage as a one-off transaction.
We’re also just as interested in what happens beyond completion.
Many of our clients come back to us time and again, sometimes over the course of many years, because they value having someone who understands their history and can help them think things through as their lives change. That might mean talking through options before a remortgage, sense-checking a decision, or understanding how a change could affect future payments.
We’re there to guide you through the full process, from early planning to completion, and to remain a trusted point of contact afterwards. Our focus is on clarity and continuity, so you are not left navigating important decisions on your own.
We’re also just as interested in what happens beyond completion.
Many of our clients come back to us time and again, sometimes over the course of many years, because they value having someone who understands their history and can help them think things through as their lives change. That might mean talking through options before a remortgage, sense-checking a decision, or understanding how a change could affect future payments.
We’re there to guide you through the full process, from early planning to completion, and to remain a trusted point of contact afterwards. Our focus is on clarity and continuity, so you are not left navigating important decisions on your own.
And if your journey has not been straightforward so far, you are very welcome here.
Some people come to us after being told no by a bank, or after struggling to find a solution that reflects their real circumstances.
In many cases, it is not that a mortgage is impossible, but that the right steps, timing or preparation have not yet been put in place. We take pride in helping clients understand why a decision has been made and what can be done to change it, even if that takes a little time.
And if your journey has not been straightforward so far, you are very welcome here.
Some people come to us after being told no by a bank, or after struggling to find a solution that reflects their real circumstances.
In many cases, it is not that a mortgage is impossible, but that the right steps, timing or preparation have not yet been put in place. We take pride in helping clients understand why a decision has been made and what can be done to change it, even if that takes a little time.
If you are feeling uncertain or stuck, a conversation with us at Hand Picked Mortgages is often the best place to start.
How We Help
Our focus is always on how we can make your house-buying journey easier. Communication is a priority and we want you to feel listened to, supported, and well informed about every step of the process.
Some of the ways we support our clients include:
Helping you understanding what you can realistically borrow and planning your next steps
Assisting you to secure a mortgage that reflects your income, employment and wider circumstances
Reviewing your existing mortgage and exploring remortgage or product switch options
Helping you to building or refinance a buy-to-let portfolio with a longer-term view
Advising you to help navigate shared ownership and legacy government-backed mortgage schemes
Talking through insurance and protection, so your mortgage decisions are properly supported
Helping you make sense of lender decisions, criteria and next steps
Connecting you with trusted professionals when you need wider support, from solicitors to specialist advisers
Whatever stage you are at, the starting point is always a conversation. From there we can work out what support will be most helpful for you.