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Ten GREAT Reasons to Choose Shire Direct!

Here we present, what we believe, to be 10 great reasons, as to why we think you should choose Shire Direct for your mortgage and remortgage requirements...

Let's start with a summarised bullet point list of 10 Great Reasons to choose Shire Direct when it comes to getting mortgage or remortgage funding, then we'll go on to look at each reason in a bit more detail...

Now let's take a closer look at each of these 10 Great Reasons why we think you should choose Shire Direct!

  • Shire Direct are specialist intermediaries
    Shire Direct are specialists in providing mortgages for customers who may have difficult or unusual circumstances, or whose situation is not entirely straight forward, and who require expert help and professional guidance.

  • Our Reputation
    We take great pride in preserving and enhancing our reputation. When surveyed over 95% of our customers stated they would definitely, or be very likely to recommend our services to a member of their family, or a friend.

  • We look for reasons to help - not turn you down!
    We consider that our main function is to provide you with the funding and other services that you require, and our objective is to look for reasons to fund your requirements, not to decline them! Let's make it abundantly clear - we want your business!

  • Established for over quarter of a century!
    We've been in business now for over quarter of a century, and we have arranged literally thousands of financial services products for our customers over that time. We have the experience, skills, knowledge and professionalism to assist in even the trickiest of circumstances.

  • Professionally Qualified
    All our Mortgage Advisors are professionally qualified, and hold a minimum of two of the following qualifications, and some have all of them!

    • Certificate in Mortgage Advice and Practice (CeMAP)
    • Certificate in Regulated General Insurance (CeRGI)
    • Certificate in Regulated Equity Release (CeRER)
    • Financial Planning Certificate (FPC)


    You may find it interesting to take a look at all the professional qualifications our team holds on our Professional Qualifications page.

  • Personal Service
    We ensure that our customers are provided with a personal and attentive service. You'll find our Advisors to be friendly yet professional, helpful and knowledgeable, and not in the slightest bit stuffy. You'll also find that we look for reasons to help you, rather than being judgemental.

    You can contact us up until 10.00pm everyday - including weekends, and we'd love to hear from you - alternatively why not enquire online at any time.

  • No upfront Broker Fees!
    We do not charge upfront Broker Fees.

  • Wide range of products and services
    We are able to tailor-make an individual financial package to your specific needs and circumstances, and can provide our customers with an excellent range of financial services products, including:

    • Full status mortgages and remortgages
    • Adverse credit mortgages and remortgages
    • First Time Buyers
    • Council Right to Buy
    • Let to Buy Mortgages
    • Buy to Let Mortgages
    • Funding borrowers who have a poor credit history
    • Mortgages for CCJ's, defaults and arrears
    • Equity Release Mortgages
    • Lifetime Mortgages
    • Providing funding for the self-employed
    • Self-Certification of Income
    • Business and Commercial Funding
    • Commercial Refinancing
    • Bridging Finance (Commercial)
    • Bridging Finance (Residential)
    • Refinancing to reduce outgoings
    • Credit Repair Finance for customers with arrears
    • Agricultural Restrictions
    • Funding for Non-standard properties
    • Dealing with IVA and bankruptcy difficulties
    • Providing urgent funding to avoid Repossession
    • Shared Ownership
    • Shared Equity
    • Homeowner Secured Loans
    • Insurance Products to cover:

      • Home Insurances
      • Life Cover
      • Mortgage Payment Protection Insurance
      • Critical Illness Cover


  • Access to products that may not be available on the high street.
    As specialist mortgage intermediaries, we have a plethora of mortgage products that are usually only available from:

    • Centralised Lenders, for example:
      • The Mortgage Business (TMB), a specialist lender of HBOS (the Halifax/Bank of Scotland group),
      • or UCB Home Loans, the specialist lender of the Nationwide Building Society,
      • Accord, a subsidiary of the Yorkshire Building Society

    • Subsidiaries of an international conglomerate, for example:
      • GE Home Loans, a subsidiary of one of the would's largest companies - General Electric, and,
      • GMAC Residential Funding a UK subsidiary of General Motors

    All of these lenders offer a huge range of schemes, including those that are purely designed for a particular niche in the marketplace, such as non-standard constructed properties, or loans for self-employed borrowers who are unable to produce a conventional accounting profile.

    Obviously, as mortgage specialists, our knowledge of lenders' underwriting criteria and our expertise within the market place is very considerable, and after carefully assessing your circumstances, needs and aspirations, it's likely that we will be in a position to come up with a variety of solutions, a rapid in-principle decision, together with suitable expert professional advice and a recommendation on the most appropriate mortgage product for you

  • We're very nice people...
    It's nice to know - we're nice to know, and we're not just saying that. In fact that is what our customers tell us!

    We have an abundance of very gratifying comments and testimonials from our customers, and you can read a small sample of extracts from commendations that have been sent to us by satisfied customers on our Customer Testimonials page.

    Indeed you may also be interested to know that statistics from a recent Customer Survey of 439 people show that:

    • Of those that had approached another broker 96.17% of those surveyed said that we were either "Better" or "Much Better".
      [The remaining 3.83% said we were "about the same"].

    • When asked to rate us on a scale of 1-10 (where 1 is poor and 10 is excellent), on how satisfied they were that our staff had understood their circumstances and requirements, 98.36% of those surveyed awarded us either 9 or 10 out of 10.
      [The remaining 1.64% awarded us either 6, 7 or 8].

    • When asked to rate us on a scale of 1-10 (where 1 is poor and 10 is excellent), on how satisfied they were with the way in which their requirements had been addressed, 98.17% of those surveyed awarded us either 9 or 10 out of 10.
      [The remaining 1.83% awarded us either 6, 7 or 8].

    • When asked based on their experience with us, how likely is it that they would use our service again, 97.46% of those surveyed said they would "Very Likely" or "Definitely" use our service again..
      [The remaining 2.54% said they were "likely" to use again].

    • When asked based on their experience, how likely is it that they would recommend our service to family or a friend, 97.41% of those surveyed said they would "Very Likely" or "Definitely" recommend our service to family or friends..
      [The remaining 2.59% said they were "likely" to recommend our service].

    ...and we're kind to animals too!

    On a much more sombre note, unfortunately our world is full of grossly unkind people and regimes. It's horrifying to see what mans activities have done to our beautiful planet and to the magnificent animal kingdom. So in our own small way, Shire Direct makes regular monthly donations to the following national and international animal welfare organisations:
    • The Royal Society for the Protection of Birds (RSPB)
    • The International Fund for Animal Welfare (IFAW)
    • The Dogs Trust
    • The Peoples Dispensary for Sick Animals (PDSA)
    • The Donkey Sanctuary
    • The Brooke Hospital
    • The International League for the Protection of Horses (ILPH)
    • The Blue Cross
    • World Society for the Protection of Animals (WSPA)
    • The Rare Breeds Trust (RBT)


    We also do our best to help more localised good causes and charities wherever we can.

So, there you have it, what we believe to be 10 GREAT reasons to choose Shire Direct for your mortgage and remortgage requirements - truth be told, we can easily think of another 10 reasons, but we believe the 10 reasons above should help to convince why you should choose Shire Direct - the home of tailor made financial solutions.

Enquire Online now, or call us today 08000 282 281 - our freephone lines are open 8am-10pm everyday! We'd love to hear from you!

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.

Equity Release Products: Equity Release products may involve a Lifetime Mortgage or Home Reversion Plan. To understand the features and risks, ask for a personalised illustration.

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.

Shire Direct and Shire Direct Mortgages are trading styles of Shire Processing Centre Limited which is
Authorised and regulated by the Financial Services Authority in respect of regulated mortgage products and general insurances.
Registered No: 302389. Commercial funding and Secured Loans are not regulated by the FSA.
Licensed Credit Brokers. Consumer Credit Licence Number: 349999.

Shire Processing Centre Limited is registered under the provisions of the Data Protection Act by the Information Commissioners Office: Registration No: Z6795249. Registered in England & Wales. Company number: 2732202. Telephone calls may be recorded for training, monitoring and security purposes. All applicants must be aged 18-years or over.