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Our Services

Mortgages & Specialist Finance

Whole-of-market mortgage solutions for homeowners, landlords, and complex cases - including buy-to-let, specialist, and non-standard lending.
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Bridging & Refurbishment Finance

Short-term finance designed to keep transactions moving — from auction purchases and refurbishments to development exits and other time-critical funding requirements.
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Commercial & Landlord Finance

Finance for owner-occupied and investment commercial property - supporting acquisitions, refinances, restructuring, and long-term portfolio growth.
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Development & Construction Finance

Structured funding for residential and commercial developments - from smaller projects to larger schemes, with development exit solutions available where required.
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Asset Finance

Bespoke funding for high-value and specialist assets - including yachts, marine assets, and other complex financing requirements.
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Insurance & Risk Protection

Specialist insurance solutions designed to support property and asset finance - helping protect projects, investments, and lending arrangements.
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PFHQ

What We Do

Property Finance HQ provides strategic, whole-of-market property finance solutions for homeowners, landlords, developers, and commercial investors.

We structure funding across residential, commercial, development, and specialist lending - delivering clear advice, access to specialist lenders, and finance aligned to both immediate objectives and long-term strategy.

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Testimonials

Client Feedback

“Here it was the individuals involved, namely Sarah as our broker that won us, by creating the beautiful solution to what we needed. The fact that the bank name HSBC is over the door, to me, was of little relevance.  It is all about the relationship and professionalism of the individuals involved. 

I was a broker myself for 40 years and served on the Board of the National Association of Commercial Finance Brokers, including as President in 1999–2000. During my time I completed over 500 funding projects, raising approximately £6bn.

Out of all my contacts over those years, I can honestly say Sarah is the best broker I’ve ever met. Her professionalism, ability, and understanding are exceptional. She assessed, packaged, and presented our project, securing interest from HSBC and negotiating a significantly better all-round deal than we had elsewhere.

The value Sarah delivered went far beyond margin. It was the way she applied her skill, judgement, and care to create the optimum facility that resulted in a successful £10m completion with HSBC.”

Chris Bialan

Multi-million care home commercial term loan, buy-to-let, residential

“I’ve worked with Sarah on commercial finance and buy to lets. She understands the detail quickly and doesn’t waste time pretending every deal is perfect. She’s clear on structure, pricing, and what lenders will actually support.

Communication is straightforward and timely. She stays on top of lenders, flags issues early, and follows things through to completion without drama or chasing.

If you want a broker who knows commercial and buy to let finance properly and deals in reality rather than sales talk, Sarah is a solid choice”.

Kevin Gunputh

Residential, buy-to-let, bridging, regulated development, protection

“We’ve been working with Sarah for a number of years now and wouldn’t go anywhere else – Sarah is efficient, professional and an expert in her field. She was instrumental in securing finance for us for a complicated transaction where the majority of lenders wouldn’t lend due to the location and circumstance of the purchase.

We have since completed a number of transactions; I wouldn’t hesitate to recommend her and I have full confidence in her to look after our financial interests”. 

Alex Carnegie

Residential mortgage, second home mortgage, protection

“As a broker, sarah is extremely responsive, personable and highly organised throughout the process.

Her wide knowledge of the market was invaluable, and she went above and beyond to save a complex deal from falling through. Highly recommend after working with other brokers who have not delivered the same experience or outcome.”

Shagufta Khan

Residential, buy-to-let, protection

“I used Sarah initially via a recommendation over 12 years ago. She has now completed over 20+ new mortgages and remortgages for me and has always provided a very knowledgeable and timely service. 

Trustworthy and for me it’s non questionable whether to use Sarah for any lending or protection requirements.” 

Carl Graham

Residential, buy-to-let, protection

“Our case was more complex than a standard mortgage, and we’d been told by others that our options were limited. Sarah took the time to fully understand the details, went beyond the usual routes, and explored solutions others hadn’t considered. She was proactive, persistent, and clearly invested in getting the right outcome for us.

Thanks to her expertise and determination, she secured a solution that genuinely worked for our situation. I wouldn’t hesitate to recommend Sarah, especially if your case isn’t straightforward.”

Laura Westwood

Residential, second charge for business, protection
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Trusted by Clients. Proven by Results.

High level of lender approvals

Our clients choose Property Finance HQ for clarity, reliability, and results. With a 95% approval rate, we’re trusted by homeowners, investors, landlords, and developers to deliver considered advice and successful outcomes across a wide range of property finance scenarios.

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Cases Approved

Specialist Property Finance Solutions

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.

Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.

Sarah Irons trading as Property Finance HQ is an Appointed Representative of New Leaf Distribution Limited, which is authorised and regulated by the Financial Conduct Authority (FCA number 460421).

Property Finance HQ Ltd (Company Number 16670822) is an Appointed Representative of New Leaf Distribution Limited, which is authorised and regulated by the Financial Conduct Authority (FCA number 460421).

Registered Office:
Ovgar Port, 11a Panorama Road, Sandbanks, Poole, Dorset, BH13 7RA

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore intended for consumers based in the United Kingdom.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other loans secured against it. Buy to let mortgages are not usually regulated by the Financial Conduct Authority.

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