Mortgage advice that moves you forward
From straightforward home purchases to more complex cases, our whole-of-market advisers help you understand your options and guide you through to completion. We advise clients across the UK by phone, video or at our Beehive Works office.
Your first consultation is free, with no obligation to proceed.
Tell us a little about what you're looking for and our team will contact you to discuss how we can help.
We'll use your details as described in our privacy policy.
Once you send your enquiry, our team will review your details and contact you to discuss your requirements. An enquiry isn't a mortgage offer or a guarantee that a lender will accept your application.
Whole-of-market advice
Not tied to any lender
FCA authorised
Directly, FRN 650114
4.8/5 on Google
From 87 client reviews
Clear, upfront fees
Agreed in writing first
Choose what you're planning and we'll show you how it works.
Understand your deposit, how much you could borrow and your next steps.
Explore first-time buyer mortgages →
Find a mortgage that works for your next move, including buying and selling at the same time.
Plan my move →
Review your options before your current deal ends. No fee for a product transfer.
Review my mortgage →
Mortgages for rental properties and holiday lets, personally or through a limited company.
Discuss my options →
Help with self-employed income, contracting, and past problems on your credit file.
Talk through my situation →
Bridging loans, commercial mortgages and development finance.
Explore specialist finance →
Recent Google reviews, in our clients' own words.
4.8
★★★★★
Based on 87 Google reviews
★★★★★
“Katie was absolutely amazing from start to finish. She could not have been more helpful, friendly or proactive, and made the whole process of mortgage application feel so much easier as first time buyers.”
Jenna R.
First-time buyer · Google review
★★★★★
“Tiff organised our buy to let remortgage for us - she was very professional, extremely efficient and provided the assurances we needed throughout the process.”
Helen S.
Buy-to-let remortgage · Google review
★★★★★
“Tiffany and the team at Friends Capital were friendly, efficient and regularly kept in contact with me regarding the progress of my purchase.”
Theresa W.
Home purchase · Google review
★★★★★
“Working with Tiffany, Zoe and Ceri was exceptional. The team showed a lot of professionalism, understanding, courteous approach and having listening ears from start until we got our keys.”
Chuba N.
Home purchase · Google review
You'll have a CeMAP-qualified adviser who understands your circumstances and explains your options, with our case manager keeping your application moving through to completion.
We're directly authorised by the FCA, not part of a network, so our recommendations aren't limited to a panel of lenders.
Your first consultation is free. Our mortgage fee is typically £795, with £295 on application and the rest on completion, and there's no fee for a product transfer or protection advice. See our fees.
Self-employed income, a past credit problem, a holiday let or a bridging loan to keep a chain together: much of our work is the kind of case an online calculator can't handle.
1
Send a short enquiry or call us, and tell us a little about your mortgage plans.
2
We'll discuss your circumstances, understand what you're looking to achieve and explain how we can help. This first consultation is free.
3
If you decide to go ahead, we'll recommend a suitable mortgage and handle the application with the lender until you complete.
Ready to get started?
Get mortgage adviceChoose what you're planning and we'll take you to the enquiry form with it already filled in. An adviser will then call you to talk through how we may be able to help.
✓ No cost and no obligation
✓ Won't affect your credit file
✓ A qualified adviser calls you back
A small, qualified team. You'll know who's looking after your case.
Paul Collier
CeMAP · DipFA
Managing Director. An IFA since 2003; founded Friends Capital in 2014.
Robert Wilson-Rust
CeMAP
Senior Mortgage and Protection Adviser, with over 12 years' experience.
Tiffany Taylor
CeMAP
Mortgage and Protection Adviser. Works with many self-employed clients.
Katie Stoker
CeMAP
Mortgage and Protection Adviser. Looks after many first-time buyers.
Ceri Walby
Case Manager
Keeps your application moving, and you updated, to completion.
Zoe White
CeMAP
Office Manager and Compliance Officer.
Can't see yours? Call 0114 303 1031 and ask. It costs nothing.
A mortgage broker searches the market on your behalf to find a suitable mortgage, handles the application and deals with the lender for you. Rather than approaching one bank and hoping they say yes, we compare options across many lenders to find one that fits your circumstances.
Yes. Your first consultation, and every discussion with your adviser up until we submit your mortgage application, is free, whether you meet us at the office, by phone or by video.
Our mortgage fee is typically £795, with £295 payable on application and the rest on completion. There's no fee for a product transfer or protection advice. We'll always confirm the fee in writing before you commit to anything.
Yes. We're based at Beehive Works in Sheffield, but we advise clients across the UK by phone and video, and you're welcome to visit the office whenever it suits you.
Often, yes. Lenders have different criteria, and a decline from one doesn't mean a decline from all. We'll look at why it happened and which lenders might see your case differently. We can't guarantee approval, but we'll always give you an honest view.
Our team will review your details and contact you to talk through what you're looking for. If it helps, we'll then arrange your free consultation with an adviser. Sending an enquiry doesn't commit you to anything.
Yes. Friends Capital Ltd is authorised and regulated by the Financial Conduct Authority, FRN 650114. You can check our entry on the FCA Register.
Our office is at Beehive Works, Milton Street, Sheffield S3 7WL, a five-minute walk from the Peace Gardens. Wherever you are in the UK, you can work with us by phone or video.
Whether you're buying a home or reviewing your existing mortgage, our advisers are here to help you understand your options.
Call free
0800 862 0811
Sheffield office
0114 303 1031
Opening hours
Monday to Thursday 9am to 5:30pm · Friday 9am to 3pm
Tell us a little about what you're looking for and our team will contact you.
An enquiry isn't a mortgage offer. We'll use your details as described in our privacy policy.
Your home may be repossessed if you do not keep up repayments on your mortgage.
