He made a conscious decision to stop paid ads last year to save on costs, and instead relies on referrals and outreach via social media. He also tends to help other advisers with specialist cases and works with professional connections.
Hussain says clients appreciate his "non-salesy" approach, which consists of discussions about budgets and risks in house buying, as well as the risks of not taking out protection. Beyond that, he says he would not try to push clients into a purchase, preferring instead to let them make their own informed decision.
He says: "There's a big issue in the industry where protection is pitched as if it's being sold to a client.
"I will always mention it at the start of every conversation, because at the end of the day, if a client comes to us for advice or the service, there's no point giving them half a service. If all you're doing is the mortgage and not even discussing the protection I think effectively you're giving the clients a disservice."
Hussain says Harmony leverages on being a local business, because since lockdown "a lot of people prefer to work with local businesses because actually local businesses spend money in the local economy".
But he did not want the business to carry his name. "I just felt Harmony kind of sat well, just because it's not an aggressive name, it's quite a calm name.
"There's a lot of businesses called mortgage or something... I didn't want a family name or my own name, because... there's no longevity in that name. I could step away tomorrow and Harmony could effectively still exist."
Working on a basis of 'what if?'
The lockdown announcement in 2020 felt like a "horror movie", says Hussain, which culminated in a buying frenzy the effects of which are still being felt.
"People are concerned property prices are sliding now," says Hussain, "they are, but I think they're correcting more to where they should have been during those two years of lockdown."
He says a lot of properties are currently overpriced, sometimes by as much as £100,000, but at the same time people are paying more to borrow, so there is a disparity that needs to be ironed out.
"Anybody looking to sell now [needs] to get ahead of the market and price their property aggressively," he says. "And that way they may get offers above what they're asking, rather than starting high then trying to come down."
Hussain says it will take at least 12 months for rates to stabilise and level off. Summing up the current environment, he says: "Nothing is guaranteed until an application is in."
There has been growing unrest among brokers about lenders pulling deals at short notice, leaving brokers to scramble to get applications in before the deadline.
