Our aim is to get to know our clients so that we can provide them with the best advice to meet their aims, needs and objectives. With over 40 years' experience within the team in Financial Services we provide quality, professional and honest advice to all our clients. From our first meeting through to completion we will guide you in the decision and application process.
We will always be on hand to support you and answer any questions or queries you may have. We are regulated by the Financial Conduct Authority (FCA), specialising in Residential and Commercial Mortgages and Non-Investment Insurance. We offer the whole of the market products and are not tied to any one lender or provider. Commercial Mortgages, Secure Loans, Bridging Finance and some Buy to Let Mortgages are not regulated by the FCA.
Here at S H Mortgage Services Ltd we take your privacy seriously and we will only use your personal information entered above to respond to the contact request you are sending to us. However, from time to time we would like to contact you with details of other services and offers we provide.
We will always be on hand to support you and answer any questions or queries you may have. We are regulated by the Financial Conduct Authority (FCA), specialising in Residential and Commercial Mortgages and Non-Investment Insurance. We offer the whole of the market products and are not tied to any one lender or provider. Commercial Mortgages, Secure Loans, Bridging Finance and some Buy to Let Mortgages are not regulated by the FCA.
Here at S H Mortgage Services Ltd we take your privacy seriously and we will only use your personal information entered above to respond to the contact request you are sending to us. However, from time to time we would like to contact you with details of other services and offers we provide.
Services
I qualified as an Associate of the Chartered Building Societies Institute in 1981 and was elected as a fellow of the Chartered Institute of Bankers in 1987.
I have worked in the financial services industry for over 40 years.
I have spent 26 of those years at a leading regional building society where I started as a trainee and made my way to Area Manager in Sussex and Kent.
It was during this time that I obtained my full qualifications in the Certificate of Mortgage Advice and Practice (CeMAP).
I then worked for just over 10 years for a firm of Independent Financial Advisors providing mortgage and protection advice to their clients.
I have worked in the financial services industry for over 40 years.
I have spent 26 of those years at a leading regional building society where I started as a trainee and made my way to Area Manager in Sussex and Kent.
It was during this time that I obtained my full qualifications in the Certificate of Mortgage Advice and Practice (CeMAP).
I then worked for just over 10 years for a firm of Independent Financial Advisors providing mortgage and protection advice to their clients.
The list seems endless, and it can often prove difficult or confusing for borrowers when trying to reach the right conclusions.
This is where a competent & experienced Mortgage Adviser can help smooth the path to finding the right solution for you.
Many of us are looking for a better mortgage deal, or would like to release some of the equity in our home but the process is often not as easy as it first appears.
We will work with you to check the terms and conditions of your existing mortgage.
These will tell if you are tied-in to your mortgage deal or if there are any early repayment charges.
This is where a competent & experienced Mortgage Adviser can help smooth the path to finding the right solution for you.
Many of us are looking for a better mortgage deal, or would like to release some of the equity in our home but the process is often not as easy as it first appears.
We will work with you to check the terms and conditions of your existing mortgage.
These will tell if you are tied-in to your mortgage deal or if there are any early repayment charges.
Over the past 10 years buying property to let has become big business in Britain.
Low interest rates coupled with attractive rental incomes made this a suitable alternative to many other, more traditional forms of Investment.
However the recent 'credit crunch' has made investment in buy-to-let properties a much tougher prospect than it once was.
To ensure you don't encounter some of the pitfalls, our advisers will work with you through every step of the buy to let mortgage process, and will help you select the most suitable buy to let mortgage for your circumstances.
Low interest rates coupled with attractive rental incomes made this a suitable alternative to many other, more traditional forms of Investment.
However the recent 'credit crunch' has made investment in buy-to-let properties a much tougher prospect than it once was.
To ensure you don't encounter some of the pitfalls, our advisers will work with you through every step of the buy to let mortgage process, and will help you select the most suitable buy to let mortgage for your circumstances.
Equity Release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55.
You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.
With a Lifetime Mortgage you take out a mortgage secured on your property provided it is your main residence, while retaining ownership.
You can choose to ring-fence some of the value of your property as an inheritance for your family.
You can choose to make repayments or let the interest roll-up.
You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.
With a Lifetime Mortgage you take out a mortgage secured on your property provided it is your main residence, while retaining ownership.
You can choose to ring-fence some of the value of your property as an inheritance for your family.
You can choose to make repayments or let the interest roll-up.
Unfortunately, none of us know exactly when any of these might happen to us, so it makes sense to protect our financial security in case they do.
The answer to this will depend on your individual circumstances, but we can provide solutions from a range of quality providers, that meet your specific requirements.
Life Assurance protects your family financially by paying them a lump sum in the event of your death.
This can provide valuable financial resources to enable your dependents to repay a mortgage and any other outstanding debts, as well as provide funds to pay for their day to day living expenses.
The answer to this will depend on your individual circumstances, but we can provide solutions from a range of quality providers, that meet your specific requirements.
Life Assurance protects your family financially by paying them a lump sum in the event of your death.
This can provide valuable financial resources to enable your dependents to repay a mortgage and any other outstanding debts, as well as provide funds to pay for their day to day living expenses.
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