About Hey Mortgages

Welcome to Hey Mortgages. Our vision is to help people ‘get on in life’ through sound mortgage advice.

We offer whole-of-the-market mortgage advice, tailored to your exact needs. Our 1:1 service takes place through the phone and online, which enables us to keep our costs low. Calls can fit around your busy schedule, for your connivence.

Hey Mortgages looks at the whole market to provide bespoke mortgage advice, tailored to your exact needs, at times to suit you.

– Exclusive, whole of market deals.
– Honest, ethical and impartial advice.
– 1:1 service provided at times to suit you.
– Expert Manchester mortgage broker, with years of experience in property.

About the team

I am a qualified and experienced mortgage advisor, Thomas Cai Hughes.

Cai has over 12 years experience in the property market as a landlord. He’s provided mortgages to a wide variety of customers over the years, from first time buyers to landlords with large portfoilios of properties and complex financial affairs. He enjoyes a challenge and prides himself on going above and beyond what is expected.

About our fees

Typically, we charge a fee of £350. Although fees of up to £495 may be charged dependent on the complexity of the mortgage being arranged. This will be confirmed in the initial meeting.

This enables us to offer you the widest range of deals, including those that are not accessible to the general public.

Clients are happy to pay this fee as they know our advice has the potential to save them money over the long run, and therefore represents good value.

We know the market so well that, to date, we’ve never had a mortgage refused due to criteria by a lender that we’ve submitted to. If you work with us, you can be confident that if we advise you on a deal, you’re likely to be accepted for it by underwriters.

We also receive some income from mortgage lenders for our services. This is because when a client applies for a mortgage through a broker like us, we are in effect pre-assessing them for a lending decision. The process saves mortgage lenders time and money, and so they’re happy to pay us a commission on that basis.

Questions? Get in touch with us today on 0161 399 0198.

Whole of market Mortgage Advice

At Hey Mortgages, we look at the whole of the market to access the best remortgage rates. We have access to exclusive mortgage products that are unavailable on the high street or direct from lenders.

Our advice is also completely unbiased. We always undertake full cost comparisons with remortgage offers from current lenders. This involves analysing figures over the life of the mortgage and determining which represents the best value for your circumstances. If we believe your current lender is offering you the best deal, we will recommend that you stick with your current lender.

Hey Mortgages - Mortgage Advisor Manchester IconHey Mortgages - Mortgage Advisor Manchester

Adamson House, 106 Wilmslow Road, Didsbury, Manchester

4.8 19 reviews

  • Avatar Joey Crone ★★★★★ 7 months ago
    Genuinley can't speak highly enough about Thomas. To say he went over and above for us is an understatement.
    He was proactive, knowledgable and diligent throughout our house move and helped us enormously with his experience and
    … More his good humour.
    Honestly, let him sort your mortgage. There won't be a better option.
  • Avatar Tina T ★★★★★ 6 months ago
    Helpful. Knowledgeable. Informative. Helped give me the information I needed & sought the most cost effective, suitable mortgage for my circumstances. Always available to answer any questions (no matter how many I had!) and kept me … More updated throughout. Would definitely recommend and use again if/when needed
  • Avatar bekki ★★★★★ 10 months ago
    I was recommended Hey Mortgages through a friend and I found Mr. Hughes to be very Knowledgeable, friendly and keen to get me the right product for my Mortgage. Since my remortgage with Mr. Hughes I have and will continue to recommend him … More to my friends and acquaintances. He has a professional manner which makes me feel I will get the best value on the market.
  • Avatar Anthony Chiu ★★★★★ 7 months ago
    We found Thomas through a recommendation and he has been professional and friendly throughout our remortgaging process, offering us sound financial advice along the way. We also didn't give him much time before our existing mortgage's … More fixed rate period was due to end, but he's managed to speed things up - we really appreciate this!
  • Avatar Dan Jones ★★★★★ a year ago
    Great service and support. We had a complicated set of needs and our advisor couldn't have been more helpful. Great attention to detail. Would highly recommended
  • Avatar Harry Mustoe ★★★★★ a year ago
    We have used Thomas for a number of private and business mortgages. Thomas is a personable and knowledgeable advisor. There is no hard sell just a clear overview of the options. Once you choose a mortgage Thomas drives things personally … More ensuring minimum hassle and on time completion!
  • Avatar runninglate100 . ★★★★★ a year ago
    Couldn't have asked for better advice and support to buy my first house and negotiate my recent remortgage. Trustworthy, honest and clear explanations through the whole process. Thank you Cai!
  • Avatar pontdain . ★★★★★ a year ago
    Thomas at Hey Mortgages has now successfully brokered two mortgages for me and they were both arranged with a minimum of hassle.