Property Finance HQ
At Property Finance HQ, we provide strategic, whole-of-market property finance solutions across a wide range of scenarios. Whether clients are cash-rich but choosing to leverage finance to maximise returns, navigating complex structures, or funding significant commercial assets, we deliver clear, considered advice tailored to each situation.
Whether you are buying your first home, a first-time landlord, or an experienced property investor, we support clients at every stage of their journey - from residential purchases through to high-net-worth individuals and commercial investors. We work with self-employed clients, landlords, developers, and commercial property owners, including those with adverse or non-standard circumstances, structuring finance that supports both immediate objectives and long-term strategy.
We arrange funding from £25,000 to £50 million+, with or without personal guarantees, and can advise on personal guarantee insurance where appropriate. Our access to specialist and exclusive lending products - not typically available through high street banks - allows us to provide solutions built around speed, flexibility, and certainty.
With decades of combined industry and real-world property experience, and in a market defined by constantly evolving criteria, our role is to simplify complexity, manage risk, and secure the right funding at the right time.
Our goal is simple: to help our clients achieve theirs.
About the Founder
Sarah Irons | Mortgage & Commercial Finance SpecialistAfter more than a decade working in face-to-face sales, I embarked on my own property journey, gaining first-hand experience from every angle of the industry. I spent a short period in estate agency before quickly moving into buying and letting properties, carrying out refurbishments, and progressing through to a small property development.
Alongside building my own portfolio, I chose to train as a mortgage broker — a role I went on to enjoy and excel in for 11 years. Wanting to broaden my expertise and better serve clients with more complex needs, I then expanded into commercial finance. I went on to set up and run a specialist commercial finance department, while continuing to advise on residential and buy-to-let mortgages.
With over 20 years’ experience across property, lending, and finance, the natural next step was to create an independent brokerage built on knowledge, integrity, and real-world understanding. That vision led to the launch of Property Finance HQ.
Today, Property Finance HQ combines deep industry expertise with practical, hands-on property experience — offering clear advice, tailored solutions, and a genuinely personal service for clients at every stage of their property and finance journey.
Your results are our top priority!
Client Feedback
“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
“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
“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
Contact info
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