Mortgage & Protection Advice Across Essex
Specialist support for self-employed clients, trades, and growing businesses.
Whole-of-market advice with straight-talking guidance — no jargon, no call centres, just direct access to Shelly.
If you couldn’t work, how would your household bills get paid?
Your home may be repossessed if you do not keep up repayments on your mortgage.
Protection policies are subject to terms, conditions and exclusions. Acceptance and premium levels are based on individual circumstances.
How I Can Help You
Residential Mortgages
Clear, whole-of-market advice tailored to your circumstances.
Remortgages
Reviewing your current deal and securing a better solution when your rate ends.
Self-Employed Mortgages
Expert support for trades, contractors and limited company directors.
Protection That Works As Hard As You Do
Income Protection
Replacing your income if illness or injury stops you working.
Life Insurance
Financial security for your family if the unexpected happens.
Critical Illness Cover
A lump sum payout if you’re diagnosed with a serious illness.
Self-Employed ? Getting Approved Isn’t Always Straightforward.
When you’re self-employed, your income doesn’t always fit neatly into a lender’s tick boxes.
CIS income, limited company drawings, retained profits — it’s easy to feel confused and frustrated.
• Income assessed differently
• Previous declines
• Lenders not understanding your trade
That’s where working with a specialist who understands self-employed income makes all the difference.
How I Help You Get Approved
1. Understand your income properly
We look at CIS, limited company structure, retained profits and how lenders will actually assess them.
2. Match you with the right lender
Not every lender understands self-employed income — I know which ones do.
3. Guide you from application to offer
No call centres. No confusion. Just clear advice and direct access throughout.
If You’re Off The Tools, The Money Stops.
When you're self-employed, there’s no sick pay.
If you’re injured, unwell or unable to work, your income can stop overnight — but the bills don’t.
• Back injuries
• Falls on site
• Broken bones
Income protection means your household bills still gets paid — even if you can’t work.
You hope you never need it — but you’ll be glad it’s there if you do.
Straightforward advice for self-employed trades across Essex.
Whole-of-market. No call centres. Just direct access to Shelly
Your home may be repossessed if you do not keep up repayments on your mortgage.
Speak to Shelly
Whether you're buying your first home, remortgaging, or need protection advice, I’m here to help.
Leave your details below and I’ll be in touch personally to discuss your options.