Friends Capital is a Sheffield-based mortgage broker working from Beehive Works in the city centre. Whether you're buying your first home in Nether Edge, remortgaging in Ecclesall, or investing in a buy-to-let near the university, our advisers know the local market — and as a whole-of-market broker, we're not limited to a small panel of lenders when it comes to finding you the right deal.
We work with clients across the whole of Sheffield and the surrounding area — from the leafy suburbs in the west to the busier neighbourhoods closer to the centre.
Totley, Dore, Fulwood, Ranmoor, Ecclesall, Crookes, Lodge Moor, Peak District
Hillsborough, Chapeltown, Ecclesfield, Grenoside, High Green, Stocksbridge, Barnsley
Meadowhall, Rotherham, Handsworth, Darnall, Woodhouse, Swallownest, Whiston, Wickersley
Mosborough, Eckington, Dronfield, Meersbrook, Woodseats, Norton, Greenhill
Kelham Island, Nether Edge, Heeley, Sharrow, Broomhall, Norfolk Park
Combined experience
Clients helped
FCA regulated
Being based here matters. We're not a call centre in another city reading from a script — we're a five-minute walk from the Peace Gardens, we know which new-build developments are going up around the city, we understand how lenders view properties in Sheffield's mix of Victorian terraces, post-war semis, and city-centre apartments, and we've seen how the local market moves through a full cycle of rate changes. That local knowledge regularly makes the difference between an application that sails through and one that gets stuck.
As a whole-of-market, FCA-regulated broker (Friends Capital Ltd, FRN 650114), our recommendations aren't restricted to a small panel of lenders — we search the market on your behalf, handle the application, and deal with the lender directly, so you're not doing this alone.
Friends Capital provides independent, whole-of-market mortgage and protection advice to clients across Sheffield. Whatever stage you're at, one of our CeMAP-qualified advisers will look at your circumstances, search lenders on your behalf and explain your options in plain English.
Buying your first home is a big step. We explain how much you could borrow, what deposit you'll need and what to expect at each stage, then manage the application with you. Katie looks after first-time buyers and new build purchases, so you'll be working with someone who does this every day.
If you're selling and buying at the same time, we'll help you work out whether to move your existing mortgage or take out a new one, and coordinate the timings so your purchase isn't held up.
When your fixed rate is coming to an end, we compare the whole market, including your current lender's offer, so you can see whether switching makes sense before you commit.
Whether you're buying your first rental property or adding to a portfolio, we help landlords find lending that fits. Robert regularly handles complex buy-to-let cases.
Sole traders, company directors, contractors and freelancers can find some high-street lenders hard to deal with. Tiffany specialises in self-employed cases and knows how to present your income to lenders.
A missed payment, default or CCJ in your past doesn't automatically rule you out. We'll give you an honest view of your options and look for lenders whose criteria suit your situation.
For short-term funding, such as buying before you've sold or purchasing at auction, we can arrange bridging finance and help you plan how it will be repaid.
If buying outright isn't within reach yet, shared ownership lets you buy a share of a home and pay rent on the rest. We'll find a lender that works with the scheme and explain how buying further shares works later on.
Borrowing later in life is more common than ever. We can help with mortgages that run into retirement and, where it's right for you, talk through equity release as one of your options.
A mortgage is usually your biggest financial commitment, so our advisers can also help you arrange life insurance, income protection and other cover to protect your home and family.
Senior Mortgage and Protection Adviser
With over 12 years' experience in the industry, Robert deals with all types of mortgages, from bridging finance to complex buy-to-let, giving Sheffield clients independent, whole-of-market advice however unusual their situation.
Mortgage and Protection Adviser
Tiffany specialises in self-employed mortgages of every kind, helping Sheffield's business owners and freelancers find mortgage and protection cover that fits circumstances high-street lenders don't always understand.
Mortgage and Protection Adviser
Katie looks after first-time buyers and new build mortgages, guiding Sheffield's newest homeowners through every stage of their first mortgage with clear, impartial advice.
Managing Director
Paul founded Friends Capital in 2014 after a career as an IFA, bringing over 40 years' experience in the industry to lead the Sheffield team.
Mortgage Case Manager
Ceri manages applications through to completion, with a friendly manner that holds clients' hands from start to finish.
Office Manager
Zoe is CeMAP-qualified and looks after FCA compliance alongside running the Beehive Works office — often the first friendly voice you'll speak to.
Call us on 0114 303 1031, pop into Beehive Works, or arrange a phone or video call. We'll talk through what you're looking to do and your circumstances. Your initial consultation is free.
As a whole-of-market broker, we compare lenders on your behalf and recommend the option that suits you best, explaining why. Before you commit, we'll confirm any fee in writing — typically £795, depending on your circumstances.
We prepare and submit your application, deal with the lender directly and keep in touch with your solicitor and estate agent so nothing is missed. Ceri manages cases through to completion, so you always know what's happening.
Once your mortgage completes, we'll be in touch before your deal ends so you're never left on a lender's standard variable rate without knowing your options.
Our office sits inside Beehive Works, a Grade II*-listed landmark in Sheffield's Devonshire Quarter, currently being carefully restored as one of the city's most significant historic buildings — a fitting home for an independent local business.
Beehive Works, Milton Street, Broomhall, Sheffield S3 7WL
Mon – Thu: 9:00am – 5:30pm
Fri: 9:00am – 3:00pm
Common questions about our Sheffield office.
Do you only work with clients in Sheffield city centre?
No — we cover the whole of Sheffield and the surrounding area, from Totley and Dore in the west to Mosborough and Dronfield in the south, and out to Rotherham in the east. If you're unsure whether we cover your area, just ask.
Can I visit your Sheffield office in person?
Yes. We're based at Beehive Works on Milton Street, a short walk from the city centre, and you're welcome to book an appointment to meet your adviser face to face. We're also happy to work entirely by phone or video call if that's easier.
Do you know the Sheffield property market specifically, or is this a national franchise?
Friends Capital is a Sheffield-based, independent mortgage broker — not a call centre or national franchise. Our advisers work with Sheffield lenders, surveyors and estate agents regularly, and understand how the local mix of Victorian terraces, post-war housing and new-build apartments is viewed by different lenders.
Is your advice free?
Yes, your initial consultation is free. There may be a fee for arranging your mortgage — typically £795, depending on your circumstances — but we'll always confirm this upfront before you commit to anything.
Are you whole-of-market, or tied to certain lenders?
We're whole-of-market. We aren't tied to a limited panel, so our recommendations are based on what's actually right for you, not what's on a restricted list.
Can you help if I'm buying in Sheffield but live somewhere else?
Yes. Many of our clients are relocating to Sheffield for work or study, or are investors buying property here from elsewhere in the UK. We can handle everything by phone, email and video call.
Can you help if I'm self-employed or have had credit problems in the past?
Yes. Self-employed mortgages and mortgages for people with a less-than-perfect credit history are a big part of what we do. We can't guarantee a lender will approve your application, but we'll give you an honest assessment of your options and look for lenders whose criteria suit your circumstances.
Do you only arrange mortgages?
No. Our advisers can also help with protection such as life insurance, income protection and critical illness cover, as well as buildings and contents insurance, so your home and family are properly protected alongside your mortgage.
How do I get started?
Call us on 0114 303 1031, email info@friendscapital.co.uk, or fill in the enquiry form on our Contact page, and one of our Sheffield-based advisers will get back to you.
Wondering what we charge? Your initial consultations and discussions are free, and our mortgage fee is up to £795 — most of it payable only on completion. See our fees in full.