the Impossible is just another day for us

(Most of the time)

We can help you with a mortgage, to find a better rate or deal, please see some sample rates as of 04/12/2024
Residential: Fixed – 4.12% Discount – 4.24% Tracker – 4.90%
Buy-To-Let: 2Yr Fixed – 2.59% 5yr Fixed – 4.23% Discount – 6.60% Tracker - 5.24%

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Welcome to sbl financial

Sbl financial is a specialist regulated mortgage and protection firm who currently have access to over 170+ lenders. This means that we have a solution for most clients by having access to so many specialist lenders, exclusives and semi-exclusives as well as high street banks, building societies and well known providers.  We always give advice and recommendations and have specialist advisers on Residential, BTL, HMO, Serviced accommodation, Holiday let, Investor led, Auction, Equity Release, Bridging, Commercial, Developments, Secured Loans, Protection & General insurance.

Our director has worked in the specialist market for many years to help those clients who have struggled on the high street because they either have a complex income, have historic credit issues or have non-standard criteria properties and have been left frustrated with lack of options from their bank.

It is not just about the quirky stuff either. We also have regular customers and what we offer them is a great customer service, good communication, out-of-hours appointments and guides to help them through the entire process of whatever product and service they decide they want from us.

We may be small but our team is by no means new or in-experienced. sbl financial was purposely set up to give help, great advice, maximum choice and unrivalled service; we do not have clients, we build and nurture relationships.

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Welcome to sbl financial

Sbl financial is a mortgage and protection firm who currently have access to over 170 lenders. This means that we have a solution for most clients by having access to so many specialist lenders, exclusives and semi-exclusives as well as high street banks, building societies and well known providers. 

Our director has worked in the specialist market for many years to help those clients who have struggled on the high street because they either have a complex income, have historic credit issues or have non-standard criteria properties and have been left frustrated with lack of options from their bank.

It is not just about the quirky stuff either. We also have regular customers and what we offer them is a great customer service, good communication, out-of-hours appointments and guides to help them through the entire process of whatever product and service they decide they want from us.

No matter who you are, everyone gets a welcome pack, newsletter and lots of helpful fact sheets relating to your enquiry. We may be small but our team is by no means new or inexperienced. sbl financial was purposely set up to give help, great advice, maximum choice and unrivalled service; we do not have clients, we build and nurture relationships.

[lender-counter]

SBL

Face to Face Appointments

Yes, it can all be done online but we do love doing face to face appointments too – as well as out of hours appointments to fit with you. We’re not just 9-5.

SBL

Credit File Issues

Been declined by your high street bank? No problem – we have lots of specialist lenders, not available direct or on the high street, to help you get back on track.

SBL

Development / Bridging

Emergency Bridging is our speciality.  Below are some examples of how we may be able to assist you.

  • Are you struggling with a project
  • Do you need help with a business plan, completing forms, or a site visit
  • Do you need advice on which lender to look at before going to auction
  • You have a time sensitive case
  • You purchased at auction and need a Bridging loan asap
SBL

Buy-to-let, HMO, Serviced accommodation & Holiday let

Do you have a 5, 6 ,7 ,8 bed HMO and your bank now has no appetite to lend to you, or help with your portfolio? We have lots of specialist lenders for these properties, with the benefit of them having a proactive approach, we can also do portfolio insurance as just one of the additional services that we can offer .

If you haven’t come across us before, you will naturally be asking yourself why we should use sbl financial

There are 100 other brokers in a 20-mile radius. All of their websites look and say the same. So why should you come to us?

Well the answer is this…

  • Our No 1 USP is that we are the best, not that we are the cheapest in your area.
  • We are 5 star rated on Google for customer satisfaction
  • We are member status of the MLIBF & signed up to it’s ethical charter for customer service.
  • We are a specialist firm regulated by the FCA, unlike many others.

Whilst we love doing the standard high street mortgages offering the most competitive rates for residential and buy-to-let, where the applicants are generally employed, have a good understanding of what they need and are simply looking for a high street lender to meet their requirements, we love going the extra mile too… helping those who don’t fit the standard criteria.

We love to specialise in the more complex, credit issue, non-conforming applicants who have been knocked back by the high street lenders as they don’t quite fit the criteria. 

For the last 15 years, we have carved a niche in the non-high street market to help people access specialist lenders, meaning clients can get on with planning their lives.

The impossible can be just a normal day for us.

And on the rare occasion we don’t succeed at first, we will work with you to develop a step-by-step plan to help you get to the place you need to be, so in the future you will be back on track . 

Our advice will always be on a case by case basis and specific to your individual circumstances.

We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. For sales of non-investment insurance products such as life and critical illness insurance, we are remunerated by commission from the insurance provider.  Commission will normally be based on a percentage of your premium for a set period of time.”

Google ratings
Graham Fogg
Graham Fogg
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Brilliant service from Sean and his team. The lender seemed intent on throwing numerous curve balls our way but SBL sorted the potential problems superbly for us ensuring our house purchase went through as planned. Great team thanks Graham
Marria Zaffar-Arshad
Marria Zaffar-Arshad
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Slightly late as we completed back in April but I just wanted to thank our mortgage broker Zia for helping us get there! As first time buyers we were definitely out of our depth but he was always on hand for any concerns or questions that we had and was successful in making the process run smoothly for us. We did hit quite a few issues along the way, due to other factors, but Zia was constantly reassuring and managed to help us overcome these at all points. Thank you again for all of your help!
Ken Askew
Ken Askew
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when I needed bridging finance to finish a project SBL took on the job which due to unusual details proved to be a difficult and time consuming task. However they stuck with it and found the finance where others couldn't. I would recomend them for their experience and tenacity everytime.
Carly Frost
Carly Frost
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Sean and his team have provided a first-class service. They go above and beyond to find a solution, even for the most tricky situations. Their knowledge of the market is thorough and advice is spot-on. Most importantly they care. They don’t just look for the cheapest but the best product to suit your unique circumstances and go above and beyond to help. I’d highly recommend their services to anyone looking for a mortgage or finance in its many guises, they will definitely find you a solution.
Keith Jones
Keith Jones
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Sean and the team are always full of great advice and finding solutions to complex situations, he's helped my business and my son's business to move forward in a simple and easy manner, thanks for all the help Sean, keep it up , kcj Estates Ltd and blackwood property group
Kelly Budd
Kelly Budd
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Great service! Gabor was very supportive and informative all the way through and explained everything along the way and very patient. We are so glad that we were recommended to them as we thought we had tried all avenues and now we have our dream home. Thank you again
Aditi Anisha Anushka
Aditi Anisha Anushka
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Sean and Lisa from SBL financial work tirelessly to meet the demands of their customers. I have taken their services with two of my recent property endeavours, ranging from secured second charge on existing property to bridging loan to remortgage to exit bridge and nothing was too much. The transactions were also quite time sensitive which was kept in mind all the while. I thoroughly recommend them to anyone looking for property related brokerage and will use their zero sea again without a doubt. Thank you.
Briony Taylor-Wheal
Briony Taylor-Wheal
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What am amazing A* service! From start to finish Sean & his team were not only professional & friendly but also educational. I have learned a lot through the whole process & his team constantly helped me to move things forward with the more, let’s say , less motivated services that were involved in the chain 😉. Thank you team & I will hopefully be in touch again soon
Ola Leslie Solicitors
Ola Leslie Solicitors
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It is an absolute pleasure to work with Sean and his team, they make the process so much easier by always being on top of everything. All of SBL's clients love them as they are all so good at their jobs 🙂
James Tunney
James Tunney
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First class service from start to finish, will 100% be reusing these guys when we refix our mortgage. Sean and Gabor went above and beyond for us throughout the process, as first time buyers we didn't have a clue what we were doing, everything was explained clearly and we were guided step by step right up until exchange. Would have put more stars if it were possible
Oscar Houseago
Oscar Houseago
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Sean works incredibly hard for his clients, going above and beyond, seven days a week. His capacity to form personal relationships with his clients and relentless success with the most complex of cases proves why he is No.1 in the industry. Sean's passion and drive was the reason I was offered the mortgage's I required, after what seemed like never ending complications! He achieved where any other broker would fail - impossible is just another day for the SBL Financial team!
Ella Kemp
Ella Kemp
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Sean and his team went above and beyond for the six months that we worked together – always helpful and very easy to contact, ahead of the game whenever I needed anything and just thoroughly patient as I went through my first-time buyer process as a freelancer too. Would recommend to anyone who thinks their case is impossible – there's absolutely always a way! Thank you so much Sean.
Ian Tatton
Ian Tatton
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SBL financial are a very professional. Sean will move heaven and earth to get the offer done, Sean will also call you back and not leave you waiting. I would highly recommend SBL. There should be called Never give in.. I will allso use SBL in the future for my mortgage matters. Many Many thanks Ian.
Ioana Sirca Belintan
Ioana Sirca Belintan
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SBL Financial and Gabor Hofmann there in particular have been absolute legends in getting my mortgage approved for my first home and found me an excellent solicitor. Super friendly and responsive, explained things to me in simple terms with patience and professionalism. They provide a quick service and prepare super useful analysis for you across lenders, having access to a lot more than your usual broker agencies. Thanks Gabor & team for helping me secure my first home!! xxx
Donna Lovegrove
Donna Lovegrove
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I was told by every other mortgage advisor that I couldn’t get a mortgage. Sean and his team proved them all wrong! SBL was quick and efficient, on the ball and with me every step of the way. No question was left unanswered, they did their very best to help me through a process I’d never been through before and even after it’s all done they’re still there whenever you need them, would never use another financial advisor now.
  Dean McKay-rapson
Dean McKay-rapson
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I have used SBL financial recently for my Business and found them to be very responsive and professional. The product they offered to me was exactly to my needs, which highlights to me that all my requests and questions were all taken on board from the outset. I will be using their services again for my business and personal requirements when the time comes
Josh Witcher
Josh Witcher
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I would just like to say am extremely happy with Sean and all the team at SBL Financial, for there hard work and professionalism. I will definitely be using these guys again and recommend there services to anyone. Thanks for all your hard work guys. I’ll be in touch 👍🏻 …
Anuj Jain
Anuj Jain
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Have dealt with various brokers, but not dealt with anyone quite like Sean. The response and speed of service is like no other. Extremely professional and advice given is of the highest i have ever come across.Can not speak highly enough of the team at this company. They have all my future work and no need for google searches
Katan Naik
Katan Naik
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I have know sean for about 10 years and he has helped me with everything from remortgages , Buy to let , life assuarance , and large secured loans for business purposes sometimes in the most difficult of circumstance and time sensitive. He has never failed to deliver due to his concentious and professional attitude , contacts , and always offers help and advice as well as a thinking outside the box to provide solutions , I would recommend sean to anyone .
Shabnam
Shabnam
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Amazing from start to finish , not many services out there which provide a true KYC experience. Sean took the time to listen and react swiftly and this is what makes a winning team and got me over the line all whilst having Christmas and New year to contend with. Absolutely recommend SBL as the first point of call. Will be using them for many years to come. I had a great experience with SBL and were quick and efficient in finding the best option for me. They took the time to listen to my needs and preferences, and explained everything clearly and patiently. They delivered an exceptional service that exceeded my expectations.
Zahid Dean
Zahid Dean
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A couple of days before Christmas I was unable to get home insurance on my new house. I'd tried multiple other brokers with no luck. Sean was super confident he could help me out and worked tirelessly with such determination to get the job done, I was blown away with how quickly he could find cover for me with help from the lovely Zoe at Assurant. A first class service from them both. SBL will be my first choice for finance and insurance going forward. Many thanks
Kelly Stevens
Kelly Stevens
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They went above and beyond to help us with our mortgage when no one else could. They were with us every step of they way, even after they secured us our mortgage. They always responded extremely fast, sometimes even out of hours. I would not go anywhere else, I highly recommend them.
Andrew Tanner
Andrew Tanner
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Would highly recommend Sean and his firm over their professionalism and expertise to source a solution for every eventuality, my mortgage wasnt the easiest but they found a very suitable solution to allow me to purchase my first home with my partner, they have also sorted out various life policies including critical illness which is a must.
Melrose Graham
Melrose Graham
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SBL Financial highly recommended personal professional service guided me through the hole process every step and made sure I understood before going forward and represented me and cept me up dated at all times can't thank Sean enough couldn't have done it without him...once again thanks Sean...
Mark Gardner
Mark Gardner
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Sean and the whole team at SBL were fantastic. Worked beyond normal working hours to get my mortgage through. There network of professionals from solicitors to home/ life insurance are all equally fantastic.
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