"I found your staff to be professional and friendly, and wouldn't hesitate to recommend to friends and family."
Mr & Mrs T., Somercotes, Derbyshire
Welcome to the Shire Direct mortgage company profile where we'll take a look at our company history and background, and discuss how we help arrange millions of pounds worth of tailor made mortgage, loan and insurance solutions for people just like you every year.
Shire Direct are a UK based mortgage company and were formed in the early 1980's, and since that time we've arranged a variety of financial services products for literally thousands of customers!
We are situated in the heart of the East Midlands on the Nottinghamshire / Derbyshire border in the small market town of Eastwood - famous for being the birthplace of the author D.H. Lawrence, Penny Smith (of GMTV fame), and Kenneth Clarke (former Chancellor of the Exchequer and Chairman of the Conservative Party).
And for any railway buffs out there, The Sun Inn at Eastwood was also the birthplace of the Midland Railway - ok let's get back on track! (Editors note: that play on words was shamelessly intentional, and you may well stumble on one or two others throughout our site, many apologies in advance for any groans they may cause!).
So, although we are based in the East Midlands, our service is indeed available throughout mainland England and Wales.
Despite arranging millions of pounds worth of financial transactions, mortgages, loans and insurance arrangements on a yearly basis, we make no apology for being but a small player in the vast financial services sector of the economy.
Indeed, one of our major strengths is that by being a relatively small-player, we can provide individual attention at a senior level and offer a very personalised service for our customers, and our skills, qualifications and expertise ensure that the products we offer are the most suitable we can offer.
The firm is directly authorised by the Financial Services Authority (FSA), and our registered authorisation number is 302389.
Shire Direct's Advisors undergo a rigorous and continual regime of professional training and development, and naturally only appropriately qualified Advisors are involved in providing advice and recommendations for the regulated business transactions that the firm undertakes on behalf of our customers.
You may wish to check out the qualifications held by the firm's employees on our Professional Qualifications glossary page.
We have the approach, the skills, and the expertise to provide you with a comprehensive and personal service. You'll find us to be friendly, yet professional, helpful and attentive, and not in the slightest bit pompous! We value our customer relationships, afterall you are our greatest asset, and you'll find we'll go that extra mile to ensure you are well looked after.
We've been in business now for approaching a quarter of a century, and although our service standards are refreshingly old-fashioned, you'll find us right up to date with our products and technology.
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.
Why not take a look at the Shire Direct Blog and read about the comings and goings of the Shire Direct team.
Are you worried and becoming stressed because you are having problems getting a mortgage or remortgage? Worry and stress no more! Here at Shire Direct we provide tailor made mortgage solutions to suit you, and can usually help with all kinds of circumstances including...
Remember, we're here to help, and would love to hear from you!
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.