Friendly, impartial mortgage and protection advice
Mortgages
At SHFS we pride ourselves on our clear, honest and impartial mortgage advice, tailored to your specific needs. Our independent advisers search across the market to find you the best deal, including exclusive offers that are not available on the high street, or to the public direct.
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First Time Buyer
Taking your first step on the property ladder is exciting, but can also be daunting and confusing. We’ll help guide you through it
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Remortgage
Looking to raise money for home improvements, consolidate debt, or worried about rising interest rates? Remortgaging may be the solution
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Moving House
Unsure whether to port your existing mortgage or look for a new lender? Speak to us for a free review of your options
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Low Deposit
Talk to one of our friendly advisers about purchasing a home with a 5% deposit or less, including options that utilise family assistance
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Self Employed
We provide expert mortgage advice for sole traders, company directors, freelancers and contractors, including access to specialist lenders
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New Build
Looking for a new build mortgage? Our experienced independent advisers can save you time and find you the best deal
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Shared Ownership
If you can’t yet afford the mortgage on 100% of a home, Shared Ownership enables you to buy a share (10% - 75%) and pay rent on the remainder
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Buy to Let
Whether you’re an existing landlord looking to expand your portfolio, or are investing in your first buy to let property, we’ll find you the most competitive rates
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Self Build
Self build mortgages work differently to traditional mortgages, releasing funds in stages as the build progresses. We can help you navigate the process
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Adverse Credit
Late or missed payments, mortgage arrears, bankruptcy and CCJ’s can all affect your mortgage eligibility. We can help get you back on track
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HOLD Mortgages
Home Ownership for People with Long-Term Disabilities (HOLD) operates on the same basis as Shared Ownership
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Over 55s Mortgages
Mortgages that extend into retirement are becoming increasingly common. Talk to us to review your options, including equity release
Protection
Nobody can predict the future, but we can take measures to ensure that those things most important to us are protected - our family, our health, our home. SHFS are committed to ensuring that our clients are protected financially in the event of unforeseen changes in circumstance, such as loss of income, diagnosis of a critical illness or death. We provide personal, bespoke advice to help you, your family and your business through any challenges that may lie ahead.
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Life Insurance
Life Insurance offers peace of mind, ensuring that your loved ones are left financially secure if you die. Paid as a lump sum, it can help to maintain their standard of living and cover mortgage repayments
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Critical Illness Cover
Critical Illness Cover helps minimise the financial impact to you and your family if you receive a critical illness diagnosis. It pays out a tax-free lump sum, and many policies also offer additional medical support
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Income Protection
Income Protection pays you a regular percentage of your salary if you have to take an extended break from work due to sickness, disability, or certain other circumstances beyond your control
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Family Income Benefit
Unlike Life Insurance which pays out as a lump sum, Family Income Benefit pays a regular tax-free income to your family if you die or are diagnosed with a terminal illness
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Buildings & Contents Insurance
Buildings Insurance covers the cost of repairing damage to the structure of your property, whilst Contents Insurance offers protection against the loss, theft or damage of your personal and home belongings
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Business Protection
Helps protect your business financially in the event of key people being diagnosed with a critical illness or dying. Policies are available for partnerships, shareholders, sole traders and key employees
