Paul Johnson | Mortgage Broker in Hitchin, Hertfordshire

Hitchin is one of the areas where Paul Johnson offers his expert mortgage services. Based in Hertfordshire, he provides tailored mortgage advice to homebuyers, landlords, and business owners. Whether you’re buying, refinancing, or investing, Paul helps ensure your application meets the expectations of UK lenders.

He provides expert assistance in residential, commercial, semi-commercial, buy-to-let, HMOs, bridging finance, limited company mortgages, and general insurance.

Expert Support for Hitchin Buyers and Investors

Hitchin is a popular location for families and commuters. It offers a blend of period homes, new developments, and strong rail links. Paul Johnson brings specialist knowledge of local market trends and mortgage options suited to properties in and around Hitchin.

He advises on loans for flats, houses, commercial units, and properties in mixed-use developments. This includes lenders who consider non-standard construction or multi-use titles.

Nearby Towns We Also Cover

If you’re near Hitchin, Paul Johnson also supports buyers and landlords in:

• Stevenage

• Letchworth Garden City

• Welwyn Garden City

• Baldock

• Royston

• Hatfield

Bridging Finance Expertise in Hitchin

Bridging finance is often used when time is limited or traditional mortgages fall short. It suits situations like:

• Buying before your current property sells

• Renovating before switching to a standard mortgage

• Purchasing auction properties or unmortgageable homes

• Chain break scenarios where timing is critical

Paul helps clients in Hitchin secure short-term bridging loans from UK-regulated lenders. He explains interest costs, exit plans, and the documentation needed for approval.

Buy-to-let and HMO Mortgages

The rental market in Hertfordshire remains a popular destination for investors. Hitchin, with its strong tenant demand, is no exception. Paul supports both first-time landlords and seasoned property investors. He arranges finance for:

• Standard buy-to-let houses and flats

• Student and professional HMOs

• Multi-unit freehold blocks

• Limited company structures

All recommendations comply with UK lending rules, including EPC, ICR, and deposit criteria.

Residential Mortgages in Hitchin

Whether you’re a first-time buyer or moving home, Paul Johnson helps you understand your options. He assists with:

• Fixed and tracker mortgages

• New build finance

• Remortgaging for better rates or renovations

• Shared Ownership and Help to Buy remortgages

Paul explains affordability checks, lender credit policies, and loan-to-income limits in simple terms.

Commercial and Semi-Commercial Mortgages

Hitchin and the wider Hertfordshire area offer varied opportunities for business premises. Paul works with lenders who support:

• Retail units with flats above

• Mixed-use buildings

• Owner-occupied commercial premises

• Investment purchases for yield

He ensures applications meet lender expectations around lease terms, trading history, and valuation reports.

Limited Company Mortgages

More investors now use limited companies to buy property. Paul works with lenders who offer specialist rates for SPVs. He ensures your company structure, tax position, and rental yield meet the lending criteria.

This includes guidance on personal guarantees, director checks, and deposit sources.

General Insurance Services

Paul also advises clients in Hitchin on suitable cover for their property. This includes:

• Buildings and contents insurance

• Landlord insurance for rental properties

• Business insurance for commercial units

Policies are sourced from UK-authorised insurers to match lender requirements.

Regulated Advice That Puts Clients First

Paul Johnson is authorised and regulated by the Financial Conduct Authority (FCA). All advice follows UK rules around responsible lending, client suitability, and product transparency.

Expect clear, step-by-step support with:

• Getting an Agreement in Principle

• Preparing documents

• Liaising with solicitors and valuers

• Meeting lender deadlines

No jargon. No pressure. Just practical guidance based on your plans and Hitchin’s property market.