Welcome to Specialist Hub

The experts in simple lending solutions

We take the confusion out of financial decisions, providing clear guidance and straightforward support across secured loans, residential mortgages, buy-to-let mortgages, bridging finance and commercial finance.
Here, getting the help you need is genuinely simple – even when your case includes adverse credit, self-employed income, limited companies or a complex portfolio.
Whatever your circumstances, our specialists compare options across a wide panel of lenders to find the solution that fits.
With over 40 years' experience and FCA regulation behind every case, you're in safe hands.

Tired of hearing no? We specialise in saying yes...

What we offer

Secured Loans

Residential Mortgages

Buy-to-Let Mortgages

Bridging Finance

Commercial Finance

Why Choose Us?

Competitive rates from the outset

Clear

Clear, simple guidance from genuine specialists.

Fast

Fast, straightforward support tailored to your needs.

Honest

Honest, transparent advice with no confusion or jargon.

Flexible

Flexible solutions designed to suit every situation.

Dedicated

A dedicated team that treats your goals as their priority.

Stress-Free

A smooth, stress-free experience from start to finish.

Meet the Team

Tony Sutton

Managing Director

MD and founder of Specialist Hub. In the industry since 1983, Tony established his first brokerage in 1989 before founding Specialist Financial Services Ltd in 2004 where he continues to drive operational growth and client-focused lending solutions.

Steve Hayes

CEO

CEO of Specialist Hub and founder of Loans.co.uk; the UK's largest secured loan broker in the early 2000's. With decades of experience across specialist lending and business leadership, Steve is recognised for innovation, expertise, and customer-focused service.

Mike Brooks

CFO

CFO at Specialist Hub, a chartered accountant with extensive commercial and operational expertise across the brokerage and lending sectors.

Peter Marriott

General Manager

General Manager at Specialist Hub, known for strong leadership and a relationship-driven approach across the specialist finance sector.

Georgia Varley

Senior Sales & Operations

Brings extensive experience across specialist lending, operations and broker support, with a strong customer-focused approach.

Tania Buckingham

Mortgage and Protection Manager

Specialises in equity release and later-life lending, with experience across banking, secured loans, insurance and mortgage brokerage since the age of 16.

Kirsty Reilly

Regulated Mortgage Advisor

Oversees the team arranging homeowner loans, residential mortgages, second charge loans and regulated bridging finance. In financial services since 1997; CeMAP qualified.

Jo Lock

Commercial Mortgage Advisor

Leads the Commercial Mortgage team, with a background at Halifax, GMAC and GE Money and qualifications including CeMAP and CPSP. With Specialist Hub since 2016.

Hayley Stockwell

Unregulated Mortgage Advisor

Leads the Buy-to-Let team, arranging first charge loans and unregulated bridging finance for individuals and limited companies. CeMAP qualified.

Charleigh Wooddeson

Secured Loan Processor

Experienced across secured lending, bridging and commercial finance, helping ensure applications progress smoothly and efficiently.

Gary Forde

New Business Coordinator

Brings over 15 years of experience in customer-facing new business, focused on building strong relationships and ensuring every client has a trusted, professional point of contact.

Taylor Pavey

Trainee Finance Coordinator

Previously spent three years as a Team Leader at Warner Bros. Studios Leavesden before making the move into finance, building on a background studying Business at GCSE and A-Level.

Callum Scott

Trainee Finance Coordinator

Studied Business, Economics and Geography at A-Level before spending six months in Australia playing cricket, combining a love of sport with travel and personal development.

Proof it works

Bridging finance for a residential Buy-to-Let investment purchase.

Thanks for all your help getting this one over the line.

Secured loan to consolidate debt.

Thank you very much for an efficient and comprehensive service.

Commercial mortgage for a purchase.

It has been a very long and tiring road and to be honest I would never have gotten this far had it not been for you doing so much work, way beyond what is expected of you.

Secured loan to consolidate debt.

Thank you so much for everything.

Residential mortgage.

Thank you for your assistance throughout this process. You were fantastic.

Buy-to-Let purchase.

Thank you for all your help, you were a star!

Residential mortgage.

We just wanted to thank you for all your help and assistance – we really appreciate it. We know we haven’t been easy with it taking so long and several offers being needed!

Secured loan to raise capital to extend a lease on a Buy-to-Let property.

I just wanted to message to say a massive thank you for all your work. I am sure you have gone well beyond what you would normally do and I really appreciate it. This has been going on during an already really stressful point in my life and all the extra pushing and pulling you did to get this across the line was an absolute god send.

Bridging finance for a residential Buy-to-Let investment purchase.

We would like to thank you for the hard work you put in to get this completed. Thank You for everything.

Secured loan for home improvements and to consolidate debt.

Thank you for all your help and for making the whole process as smooth and straightforward as possible – it’s really appreciated.

Bridging loan for an HMO purchase.

Thank you very much for all your help and support. I know it has been a journey and stressful, but we have finally got there.

Residential mortgage for a purchase via the Right to Buy scheme.

It has been a pleasure working with you, and we will certainly be recommending you to our friends and family. We have been very impressed with your service and would be delighted to recommend you with confidence.

Residential mortgage for a purchase via the Right to Buy scheme.

We would like to express our sincere gratitude for all your help, guidance, and support throughout this process. You have been incredibly professional, responsive, and kind, and we truly appreciate everything you have done for us.

Buy-to-Let refinance.

“We just wanted to sincerely thank you and your team for your support, professionalism, and dedication throughout this process. Your guidance has been invaluable, and we are truly grateful for the care and effort you have provided. “

Buy-to-Let purchase.

“You were, once again amazing and we really appreciate your support during this process. Looking forward to working with you again soon. “

Secured loan for home improvements and school fees, and to consolidate debt.

“Thank you for all your help and patience throughout. Based on all the options available, I think this is the right product for me. Really appreciate your thorough research, I don’t think you could’ve done anything better. “

40+ years combined experience · FCA-regulated credit broker · Wide panel of lenders

FAQs

Are you a lender or a broker?

Specialist Hub is a credit broker, not a lender. We’re authorised and regulated by the FCA (registration 676853) and compare options across a wide panel of lenders on your behalf, rather than lending the money ourselves.

Will applying affect my credit score?

No. For an initial enquiry or application, we carry out a soft search, which has no effect on your credit score. A hard search only takes place later, closer to completion, once everything is confirmed.

What if I've been declined elsewhere?

That’s often exactly when we’re most useful. We regularly place cases involving adverse credit, complex or self-employed income, limited companies, expats and portfolio landlords – situations mainstream lenders often turn down.

Do you charge any upfront fees?

No, we do not charge any upfront fees.

How long does the process take?

It depends on the product – a secured loan can potentially complete in as little as 48 hours, while mortgages and commercial cases usually take longer due to valuation and underwriting.

How it works

Send us
your enquiry

Share a few details and tell us what you need.

We source
the right solution

Our specialists match you with the best options for your situation.

You receive
your funding

Once approved, the funds are released quickly and securely.

Ready to find out what's possible?