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22px}\n@media(min-width:760px){.ho-sticky{display:none}}\n.ho-legal{font-size:.685rem;line-height:1.62;color:rgba(42,54,68,.55);padding:26px 0 96px;border-top:1px solid var(--line);margin:36px 0 0}\n.ho-legal p{margin:0 0 8px}\n@media(prefers-reduced-motion:reduce){\n.ho-root.js .ho-rev,.ho-root.js .ho-stag>*{opacity:1!important;transform:none!important;transition:none!important}\n.ho-root.js .ho-w{opacity:1!important;transform:none!important;animation:none!important}\n.ho-mark path{stroke-dashoffset:0!important;animation:none!important}\n.ho-btn::after,.ho-halo::before{animation:none!important}\n.ho-step .ho-n{transform:none!important;opacity:1!important}\n.ho-div{transform:none!important}\n.ho-hero-img img{transform:none!important}\n.ho-rev-card::before{opacity:.28!important;transform:none!important;transition:none!important}\n.ho-rev-who i{transform:none!important;opacity:1!important;transition:none!important}\n}\n</style>\n<!-- HERO -->\n<section class="ho-sec" style="padding-top:8px">\n<div class="ho-wrap">\n<div class="ho-hero-img ho-rev" data-px>\n<img src="https://perspective.imgix.net/6a64c8b10d1087bdba189824.jpg?w=900&auto=format" alt="Shaun Owens and Mark Hansard, directors of Hansard Owens">\n</div>\n<h1 class="ho-split">Your lender won't call you until <span class="ho-ul">three months<svg viewBox="0 0 200 12" preserveAspectRatio="none" aria-hidden="true"><path d="M3 8.4C42 4.1 96 3.2 197 6.1" style="--len:200"/></svg></span> before your rate ends.</h1>\n<p class="ho-lede ho-rev">By then, your options have already narrowed. Remortgaging <span class="ho-mark">six months<svg viewBox="0 0 150 44" preserveAspectRatio="none" aria-hidden="true"><path d="M75 4C34 3 6 11 5 22c-1 11 30 18 70 18 41 0 70-8 70-18 0-9-24-17-62-18" style="--len:420"/></svg></span> early gives you room to move, and if rates drop before completion, we keep dropping yours with them.</p>\n<div class="ho-rev ho-halo">\n<button class="ho-btn" data-go>Check my options <span class="ho-arw" aria-hidden="true">→</span></button>\n</div>\n<p class="ho-reassure">Takes under 60 seconds. No credit check.</p>\n<div class="ho-rating ho-rev">\n<div class="ho-stars" data-stars></div>\n<b><span class="ho-ring">200+<svg viewBox="0 0 90 40" preserveAspectRatio="none" aria-hidden="true"><path d="M45 3C21 2 4 10 4 20c0 9 18 17 41 17 24 0 41-8 41-17 0-8-14-15-36-16.7"/></svg></span> five-star Google reviews</b>\n</div>\n<div class="ho-trust ho-rev">\n<span>Whole of market</span><span>50+ years combined experience</span><span>FCA regulated</span>\n</div>\n</div>\n</section>\n<!-- PROBLEM -->\n<section class="ho-sec ho-sec--tint">\n<div class="ho-wrap">\n<p class="ho-eyebrow ho-rev">Why timing matters</p>\n<h2 class="ho-split">Most people find out <span class="ho-ul">too late<svg viewBox="0 0 120 12" preserveAspectRatio="none" aria-hidden="true"><path d="M3 7.6C28 3.4 66 3 117 7.2M6 10.4C34 7.6 72 7.2 114 9.6" style="--len:250"/></svg></span>.</h2>\n<p class="ho-rev">Your lender is not obliged to contact you until shortly before your fixed rate ends, and many wait until three months out. By then the deals you could have secured six months earlier are gone, and if you drift past your end date you roll onto the lender's Standard Variable Rate, which is almost always considerably higher than the deal you were on.</p>\n<div class="ho-flag ho-rev"><p>Start six months early and the picture changes completely. You lock a rate now, and if rates fall before completion, we keep moving you down.</p></div>\n<div class="ho-rev ho-halo ho-cta-mid"><button class="ho-btn" data-go>See where I stand <span class="ho-arw" aria-hidden="true">→</span></button></div>\n</div>\n</section>\n<!-- WHO -->\n<section class="ho-sec">\n<div class="ho-wrap">\n<p class="ho-eyebrow ho-rev">Who we are</p>\n<h2 class="ho-split">Bespoke advice for the long-term.</h2>\n<div class="ho-hero-img ho-rev" style="aspect-ratio:16/10;margin:20px 0 26px" data-px>\n<img src="https://perspective.imgix.net/6a64d3549ed957cab1efb9da.jpg?w=900&auto=format" alt="The Hansard Owens team">\n</div>\n<p class="ho-quote ho-rev">Our passion for bespoke advice, caring for and educating everyone we work with brought us together to build long-term working relationships with our clients.</p>\n<p class="ho-rev">We believe in offering unbiased, expert, whole-of-market advice that is specifically tailored for every client that we work with.</p>\n<div class="ho-vals ho-stag">\n<div class="ho-val"><h3>Integrity</h3><p>We will always ensure that the advice we provide is delivered with the highest levels of integrity.</p></div>\n<div class="ho-val"><h3>Accountability</h3><p>We do what we say we will do, every time.</p></div>\n<div class="ho-val"><h3>Honesty</h3><p>You can be sure that every piece of information we give you is the truth.</p></div>\n</div>\n<p class="ho-fine ho-rev">Face-to-face or by video, whichever suits you.</p>\n</div>\n</section>\n<div class="ho-wrap"><div class="ho-div"></div></div>\n<!-- PROCESS -->\n<section class="ho-sec">\n<div class="ho-wrap">\n<p class="ho-eyebrow ho-rev">How it works</p>\n<h2 class="ho-split">Five steps to your new rate.</h2>\n<p class="ho-lede ho-rev">We do not think remortgage advice should be confusing or difficult. That is why we have built a process that works for you and keeps things simple.</p>\n<div class="ho-steps" id="hoSteps">\n<div class="ho-step"><span class="ho-n">1</span><h3>Getting to know you</h3><p>A fact find appointment where we capture everything we need to research the whole of the market. Face-to-face or by video. An initial 30 to 45 minute call, with no obligation to sign up.</p></div>\n<div class="ho-step"><span class="ho-n">2</span><h3>Market research</h3><p>We research the whole market thoroughly, using the best technology available alongside tried and tested methods, to make sure what we recommend is the most suitable for your circumstances.</p></div>\n<div class="ho-step"><span class="ho-n">3</span><h3>Advice and recommendation</h3><p>We talk you through the options available and explain what the different terms actually mean. You leave knowing exactly where you stand and what happens next.</p></div>\n<div class="ho-step"><span class="ho-n">4</span><h3>Application and offer</h3><p>We manage the full application from application to offer, staying in regular contact with the lender and solicitors, and updating you at every key stage.</p></div>\n<div class="ho-step"><span class="ho-n">5</span><h3>Completion</h3><p>We stay in touch until your new rate starts, and beyond. We track your future remortgage dates so you never get caught out again.</p></div>\n</div>\n<div class="ho-rev ho-halo ho-cta-mid"><button class="ho-btn" data-go>Start step one <span class="ho-arw" aria-hidden="true">→</span></button></div>\n</div>\n</section>\n<!-- CASE STUDIES -->\n<section class="ho-sec ho-sec--tint">\n<div class="ho-wrap">\n<p class="ho-eyebrow ho-rev">Case studies</p>\n<h2 class="ho-split">Real remortgages, real outcomes.</h2>\n<p class="ho-lede ho-rev">A few recent examples of what acting early actually looks like.</p>\n</div>\n<div class="ho-wrap" style="max-width:640px">\n<div class="ho-rail" data-carousel>\n<article class="ho-card"><h3>Planning ahead, eight months out</h3><p>We contacted an existing client eight months before their deal ended, during a volatile rate environment. We found a lender allowing rates to be secured earlier than the standard six-month window and positioned them to proceed the moment it opened. Their new rate was protected from increases while still able to take advantage of any reductions.</p></article>\n<article class="ho-card"><h3>Rescued from Standard Variable Rate</h3><p>A client came to us one month before their fixed rate expired. A full remortgage could not be guaranteed to complete in time, risking a spell on SVR. We recommended a product transfer with their existing lender instead, securing a new rate before expiry with no payment interruption and no SVR exposure.</p></article>\n<article class="ho-card"><h3>Early switch with an existing lender</h3><p>Many borrowers do not know that some lenders let existing customers secure new rates early. We identified that this client qualified, compared it against the wider market, and moved them onto an improved rate before their current deal even expired, with minimal paperwork and no legal work.</p></article>\n<article class="ho-card"><h3>Flexibility and security at once</h3><p>A client selling and buying at the same time. We placed a tracker on the existing property for maximum flexibility without significant early repayment charges, and secured a competitive fixed rate from a different lender for the onward purchase.</p></article>\n</div>\n<div class="ho-dots" data-dots></div>\n<div class="ho-rev ho-halo ho-cta-mid"><button class="ho-btn" data-go>Could this be me? <span class="ho-arw" aria-hidden="true">→</span></button></div>\n</div>\n</section>\n<!-- ADVISERS -->\n<section class="ho-sec">\n<div class="ho-wrap">\n<p class="ho-eyebrow ho-rev">Meet the advisers</p>\n<h2 class="ho-split">The people you will be dealing with.</h2>\n<div class="ho-adv ho-rev">\n<div class="ho-adv-ph"><img src="https://perspective.imgix.net/6a64d1a0246570424b2f84ff.jpg?w=420&ar=4:5&fit=crop&crop=faces,top&auto=format" alt="Mark Hansard"></div>\n<div>\n<h3>Mark Hansard</h3>\n<p class="ho-role">Director & Adviser · CeMAP & CeRER</p>\n<p>With over 10 years in the industry, Mark has extensive knowledge across property and finance, and a clear understanding of complex income structures. Years of working with high net worth clients and sports professionals mean he knows how important a genuinely tailored solution is.</p>\n<p>Communication is one of his strong points, and he makes sure clients are updated regularly to put them at ease throughout. Outside work he has two young children, and therefore no spare time. What is a golf course?</p>\n<div class="ho-tags"><span>Residential</span><span>Complex income</span><span>Self-employed</span><span>High net worth</span><span>Protection</span></div>\n</div>\n</div>\n<div class="ho-adv ho-rev">\n<div class="ho-adv-ph"><img src="https://perspective.imgix.net/6a64d1b2a3c799a2bf135492.jpg?w=420&ar=4:5&fit=crop&crop=faces,top&auto=format" alt="Shaun Owens"></div>\n<div>\n<h3>Shaun Owens</h3>\n<p class="ho-role">Director & Adviser · CeMAP</p>\n<p>Shaun has 9 years in the financial industry and prides himself on top quality service, high standards and a keen eye for detail. He is an expert across residential, buy-to-let and commercial finance, with invaluable relationships across banks and solicitors.</p>\n<p>His commitment does not stop at one transaction: he stays contactable, offers guidance on market updates, and sets reminders for remortgages. A father of two, and a Tottenham supporter, most of the time.</p>\n<div class="ho-tags"><span>Residential</span><span>Buy-to-let</span><span>Commercial</span><span>First-time buyers</span><span>Portfolio landlords</span></div>\n</div>\n</div>\n<div class="ho-adv ho-rev">\n<div class="ho-adv-ph"><img src="https://perspective.imgix.net/6a65dcc40d1087bdba19c7d9.jpg?w=420&ar=4:5&fit=crop&crop=faces,top&auto=format" alt="Tom Perman"></div>\n<div>\n<h3>Tom Perman</h3>\n<p class="ho-role">Mortgage & Protection Adviser · CeMAP</p>\n<p>Tom helps clients navigate the complexities of mortgages and protection with clear, tailored advice. He takes pride in building long-term relationships and guiding clients through every stage, from the first conversation right through to completion, including arranging appropriate life insurance, critical illness cover and income protection.</p>\n<p>He thrives on clear, consistent communication, keeping clients fully informed and confident at every step. Outside work Tom stays active: football on Saturdays, and an attempt at the golf course the odd Sunday.</p>\n<div class="ho-tags"><span>Remortgages</span><span>First-time buyers</span><span>Home movers</span><span>Buy-to-let</span><span>Protection</span></div>\n</div>\n</div>\n</div>\n</section>\n<!-- REVIEWS -->\n<section class="ho-sec ho-sec--tint">\n<div class="ho-wrap">\n<p class="ho-eyebrow ho-rev">What clients say</p>\n<h2 class="ho-split">200+ five-star Google reviews.</h2>\n<div class="ho-stars ho-rev" data-stars style="justify-content:flex-start"></div>\n</div>\n<div class="ho-wrap">\n<div class="ho-rail ho-stag" data-carousel>\n<article class="ho-card ho-rev-card"><blockquote>"I cannot recommend Mark highly enough! From start to finish, the entire process was completely stress-free. He was incredibly supportive, taking the time to explain everything clearly, talk me through all of my options, and help me choose the mortgage that was right for me."</blockquote><div class="ho-rev-who"><i>BT</i><b>Becky Tarling</b></div></article>\n<article class="ho-card ho-rev-card"><blockquote>"Cannot recommend Hansard Owens enough. Dealing with a re-mortgage at the same time as securing a mortgage offer for a new property had the potential to be very confusing and time consuming. The service Shaun provided meant that it was smooth and manageable."</blockquote><div class="ho-rev-who"><i>CM</i><b>Chris Marsh</b></div></article>\n<article class="ho-card ho-rev-card"><blockquote>"Mark was phenomenal and provided an exceptional service throughout. My mortgage was a little more complex due to my circumstances, including having a relatively new business, but he went above and beyond to find the right product for me."</blockquote><div class="ho-rev-who"><i>SJ</i><b>S J</b></div></article>\n<article class="ho-card ho-rev-card"><blockquote>"We highly recommend Hansard Owens. Excellent personal service from Shaun Owens. Our mortgage offer with good interest rate was secured less than two weeks from when we initially contacted him."</blockquote><div class="ho-rev-who"><i>JE</i><b>John Englezou</b></div></article>\n<article class="ho-card ho-rev-card"><blockquote>"We recently worked with Mark at Hansard Owens as first-time buyers. From the very beginning Mark was incredibly friendly, patient, and supportive. He took the time to explain every step in a way that made everything feel manageable and stress-free."</blockquote><div class="ho-rev-who"><i>JA</i><b>Jake</b></div></article>\n<article class="ho-card ho-rev-card"><blockquote>"Would recommend Hansard Owens to everyone! Shaun has been amazing, very personable and he has exceeded all expectations and secured me a great rate."</blockquote><div class="ho-rev-who"><i>AB</i><b>Abigail</b></div></article>\n</div>\n<div class="ho-dots" data-dots></div>\n</div>\n</section>\n<!-- FINAL CTA -->\n<section class="ho-sec">\n<div class="ho-wrap">\n<div class="ho-final ho-rev">\n<h2>Find out where you stand.</h2>\n<p>A free, no-obligation assessment. We compare your current lender's offer against the whole market and tell you plainly whether moving early makes sense for you.</p>\n<div class="ho-halo" style="margin-top:22px">\n<button class="ho-btn" data-go>Start my free assessment <span class="ho-arw" aria-hidden="true">→</span></button>\n</div>\n</div>\n</div>\n<div class="ho-wrap">\n<div class="ho-legal">\n<p>Hansard Owens Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA firm reference 1006550. Registered office: 11-12 Old Bond Street, London, W1S 4PN. Company number 15170269.</p>\n<p><strong>Your home may be repossessed if you do not keep up repayments on your mortgage.</strong> A fee of typically £499 may be payable for arranging a mortgage; the exact amount depends on your circumstances. 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