Whatever you need to borrow, protect or build, we find the right way to fund it.

We cover mortgages, protection, development finance and commercial lending. Whether you are buying your first home, protecting your family, funding a development project or financing a business, we search the whole market and find what actually works for your situation. No restrictions, no bias, just honest advice.

Stay Updated

Get the latest insights, market updates and exclusive opportunities straight to your inbox.

FCA Regulated through BSL

Appointed Representative of BSL Financial Services Limited, authorised and regulated by the FCA (FRN 816566). Our Register reference is 920827. Check at register.fca.org.uk

We work only for you

We compare 90 or more lenders on every case. Not tied to any bank or panel.

5-Star Rated

Read what our clients say on Google and Trustpilot.

No Hidden Fees

You will know exactly what you are paying before you agree to anything. Read how our fees work.

Protection Specialists

Life cover, income protection, critical illness and business protection. See all the options.

Handy tools and calculators

Practical gadgets to help keep things simple

Run the numbers. Then call us.

Fast, free, no fuss. Our calculators cover mortgages, stamp duty, bridging loans, buy-to-let yields and more. Get a clear picture in seconds then let our advisers find you the best deal on the market.

These calculators are interactive tools which should be used for your guidance only, and must not form part of your financial decision making process

Tools Financial Calculators
Results are estimates only.
Speak to an adviser for personalised advice.
Mortgage
What will my monthly repayments be?
£
%
yrs
Monthly Payment
—
Total Repaid
—
Total Interest
—
Based on a capital and interest mortgage. Actual rates vary by lender and circumstances.
Want a better rate? We search the whole market.
Mortgage
How much can I borrow?
£
£
£
£
Estimated Borrowing (4.5x)
—
Max Borrowing (5.5x)
—
Max Purchase Price
—
Income multiples vary by lender. Outgoings affect how much you qualify for.
Find out exactly what you qualify for.
Buying a Property
How much stamp duty will I pay?
£
First-Time Buyer
Moving Home
Buy-to-Let / 2nd Home
Stamp Duty
—
Effective Rate
—
Total Cost (incl. SDLT)
—
Based on current England and Wales SDLT rates. Scottish and Welsh rates differ.
Budgeting for your next purchase? We can help.
Bridging Finance
How much will my bridging loan cost?
£
%
mths
%
Total Interest
—
Arrangement Fee
—
Total Cost
—
Total to Repay
—
Interest rolled up. Actual costs depend on lender and exit strategy.
Need a bridging loan arranged quickly?
Buy-to-Let
What's my rental yield?
£
£
£
£
Gross Yield
—
Net Yield
—
Annual Rental Income
—
Annual Net Profit
—
A gross yield above 5-6% is generally considered strong for UK buy-to-let.
Ready to fund your next investment property?
Mortgages

What can we help you with?

Why Saho Financials

Why people come to us.

Going to a bank means seeing one lender’s products. Coming to SAHO Financials means we compare the whole market.As an Appointed Representative of an FCA authorised firm, we have to act in your best interests, not the lender’s. There is no incentive for us to point you towards a product that does not suit you.

Our advisers work with all kinds of situations. Self-employed applicants, clients with credit issues, large loan cases, development projects, business protection planning. We know which lenders are flexible, which ones turn cases around quickly, and which protection insurers deal with health history fairly. That knowledge cuts out a lot of wasted time and rejected applications.

Specialist Services

Latest News and Insights

stay up to date with the latest news, rate changes, and practical advice across mortgages, commercial finance, bridging, and development finance

People in the UK get a cancer diagnosis at some point in their life. Cancer Research UK

1 in 0

Of UK adults have no life insurance at all. Swiss Re

0 %

Is about how long the average UK household's savings would last if the main earner could not work. ABI

0 Months

Lenders compared on every mortgage we handle. Find out how we search the market

0 plus

FAQ's

Is SAHO Financials FCA regulated?

Saho Financial Services is an Appointed Representative of BSL Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 816566). You can check our entry on the Financial Services Register under reference number 920827

We explain our fees clearly before you commit to anything. No surprises and nothing hidden. Read more about howour fees work.

The full range. First time buyers, remortgages, buy to let, moving home, self employed applicants, bad credit cases, shared ownership and large loans. We are whole of market so we are not limited to a set lender panel.

Yes. We cover the full range of protection including life insurance, critical illness cover, income protection, buildings and contents, landlord insurance and business protection. Our advisers handle both mortgages and protection so nothing gets missed.

It means we search the entire market rather than a fixed list of lenders. SAHO Financials compares over 90 mortgage lenders and all the main protection insurers. More on why that matters here. You can also read the MoneyHelper guide to using a broker for an independent view.

Fill in our contact form and someone will get back to you within one business day. Or have a look at our free calculators first if you want to get a sense of the numbers. No obligation and the first conversation is free.

Want to talk it through? There is no obligation.

Get in touch and one of our advisers will get back to you within one business day. If you want to look at the numbers first, try our free mortgage and affordability calculators. No sales pressure. No commitment required. Just an honest conversation about what is possible for your situation.

Mortgages Deatils

The Saho website includes links to other websites where these occur would recommend adding a warning statement such as You are about to be redirected to an external website. Please note that we cannot guarantee the accuracy or safety of its content. Do you wish to continue?