Welcome to Shire Direct: Mortgages, Remortgages & Loans - to suit you!
Welcome to Shire Direct Mortgages, the home of tailor made financial solutions to suit you! As providers of tailor made Mortgage, Remortgage, Homeowner Loan and Commercial financing solutions, you'll find that we can often help even if you've suffered credit problems, such as CCJs, Defaults, Arrears, Bankruptcy, or an IVA. We've been helping people throughout the UK with our fast, friendly, professional service for around a quarter of a century now and have an enviable reputation for high standards of customer care!
You'll be pleased to know we charge no upfront broker fees and provide you with a rapid in-principle decision together with a recommendation and advice! Shire Direct are authorised and regulated by the Financial Services Authority.
Your Credit Problems needn't be a problem with us!
Having problems getting a mortgage, remortgage or homeowner loan because of credit problems? Don't worry, here at Shire Direct we recognise and understand the pressures of the modern-day world and that many people encounter financial difficulties often through no fault of their own.
At Shire Direct we usually help even if you have...
We consider all circumstances!
We can also help with many other mortgage requirements accommodating a wide variety of different circumstances, including:
We genuinely believe that if we're not in a position to help you, then it's likely nobody else is either!
Looking for Right to Buy, Buy to Let / Let to Buy, or Commercial Mortgage funding?
Shire Direct are also usually able to help if you are looking for...
We're here to help!
We always like to say yes we can help, and have over 25 years of experience in doing so! You'll find that our experienced and qualified Advisors will remove as much of the stress and strain as we can, in a friendly yet professional way!
A browse through our website will hopefully answer any initial questions you may have, we recommend our extensive Mortgage Glossary section as a starting point for further reading.
You can contact us online or call us 7 days a week between 8am and 10pm on FREEPHONE 08000 282 281 and one of our professionally qualified and experienced mortgage advisors will be delighted to talk to you and help in any way possible!
Mortgages/Remortgages: The overall cost for comparison is 9.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Most customers are likely to receive a lower rate or the same rate as our overall cost for comparison rate - learn more about APR.
There are no upfront broker fees.
However, a fee may be charged on successful completion. An indication is that on conforming cases (straightforward applications with no or minimal adverse credit) a fee may be charged of up to 1% of the amount advanced, typically £795 and will depend on your circumstances. For non-conforming cases (where case research and processing may be more complex due to adverse credit or unusual circumstances), a fee may be charged of up to 3% of the amount advanced, typically £1,995.
Homeowner Loans: Rates from 8.9% APR variable, but typically 13.9% APR variable. Most customers are likely to receive a lower rate or the same rate as our typical variable rate - learn more about APR. Shire Direct also has a range of non-conforming loan plans with rates up to 19.9% APR. These plans are designed to help those who may have a more difficult credit history, including CCJ's and credit arrears, IVA and bankruptcy problems.
A broker fee of between 0% and 10% of the loan advance may be charged for arranging a secured loan.
All loans subject to status and secured on property.
The actual rate available will depend upon your circumstances. Written quotations on request.
THINK CAREFULLY BEFORE
SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Adding existing debt to your mortgage will increase the repayment term and overall cost.
