Clear explanations
Feedback highlight
Clients regularly mention straightforward explanations and practical mortgage guidance.
See Google reviews ↗MORTGAGES · ADVERSE CREDIT · SPECIALIST SUPPORT
Mortgage help, even when it’s complicated.
Adverse credit, remortgaging or buying a home? Speak to Si about your options and the next step.
Clear, easy-to-understand advice Mortgage and specialist routes
SiCert CII (MP) | Mortgage Broker
15+
YEARS IN
FINANCIAL SERVICES
FINANCIAL SERVICES
Speak directly to SiA conversation, not a form
A clearer next stepMortgage advice and specialist introductions
Flexible appointmentsBased in Herts & Essex, online calls available
THE CHALLENGES
Different situations. Clearer options.
See the six situations Si can help you explore. Select any card for more information.
Adverse-credit mortgages
Been told no because of a missed payment, default or CCJ?
Explore optionsFirst-time buyers
Not sure about deposits, affordability or where to begin?
Explore optionsRemortgaging
Is your current deal ending, or are payments changing?
Explore optionsBridging & commercial
Need short-term finance or funding for a business property?
Explore optionsSpecialist lending
Unusual income, complex property or non-standard borrowing?
Explore optionsLater-life lending
Want to explore borrowing options as you get older?
Explore optionsExplore each service — cards move automatically.
THE SI APPROACH
A simple conversation. A clear next step.
We’ll start with your circumstances, explain the options worth exploring and agree what makes sense next.
Talk to SiNo promise of approval — just clear, practical guidance.
01
Tell me what’s going on
A quick chat about your plans and concerns.
02
I’ll look at your options
Clear advice about routes that may suit you.
03
We’ll agree the next step
If needed, we can discuss a specialist introduction.
WHAT I CAN HELP WITH
Mortgage and finance help, made simpler.
Choose a service to learn more, or book a call if you’re unsure where to start.
Key focus
Adverse-credit mortgages
Discuss CCJs, defaults, missed payments or a past decline.
Learn moreFirst-time buyers
Guidance to help you take your first step onto the property ladder.
Learn moreRemortgaging
Review your current deal and explore other mortgage options.
Learn moreBridging & commercial
Discuss bridging or commercial finance with Si first.
Learn moreSpecialist lending
Explore possible routes for more complex borrowing.
Learn moreLater-life lending
Discuss later-life mortgage options and specialist support.
Learn morePROTECT WHAT MATTERSMortgages are only part of the picture.
Explore cover for your family if you die, or for your finances if illness stops you working.
CLIENT REVIEWS
What clients say about Si.
See independent feedback before deciding whether to book a call.
First-time buyers
Feedback highlight
Published customer feedback highlights support throughout the first-home process.
See Google reviews ↗Responsive advice
Feedback highlight
Communication, quick responses and a personal approach are recurring themes.
See Google reviews ↗Complex mortgage cases
Feedback highlight
Clients describe help navigating more difficult borrowing and remortgage situations.
See Google reviews ↗Rating and review count are from Firco Mortgages’ Google Business listing (checked November 2026). The cards summarise publicly available customer feedback; they are not direct Google review quotations. Feedback source.
MEET YOUR ADVISERSimon Hannam
MEET SI
Hi, I’m Simon. Call me Si.
I help people understand their mortgage options in plain English — whether they’re buying, remortgaging or dealing with credit issues.
I can also help you explore specialist finance options, including bridging, commercial and later-life lending.
Straight answers. Practical next steps.
Speak directly with SiPlain-English guidanceSpecialist connections
Book a free call BOOK YOUR CONVERSATION
Book a free call with Si.
Tell me what you’d like to achieve. We’ll talk through your situation and a practical next step.
- Talk through your mortgage goals
- Understand what options may be available
- Discuss specialist support if needed
- Leave knowing what happens next
Prefer speaking directly? 07546 213491 or email Si.
Find a time that works for youCalendly · Si the Mortgage Guy
Calendar not displaying? Open Si’s booking page in a new tab ↗
FREQUENTLY ASKED QUESTIONS
Questions? Start here.
Quick answers before you book a call.
How much can I borrow for a mortgage?
It depends on more than your salary and deposit. Lenders also consider your credit history, existing debts and regular spending, which can affect how much you can borrow, the rates available and your monthly repayments. Online calculators offer a guide, but each lender assesses things differently. Book a free, no-obligation chat and Si can help you understand what may be realistic for your circumstances.
Can I get a mortgage with adverse credit?
Potentially. A missed payment, default or CCJ does not automatically rule out every mortgage, but the details matter. Si can discuss your circumstances and whether a suitable route may be available.
What if another broker or bank has already said no?
You can still discuss what happened. A previous decline does not guarantee a future decline or approval. The reason for the decision, your affordability and lender criteria all matter.
What if Si cannot help me directly?
Where appropriate, Si can discuss introducing you to a specialist in his wider network. Any introduction would be explained and made with your agreement; the specialist would assess your requirements independently.
Is the first conversation free?
Si’s current website offers a free initial consultation. Any potential advice fees, lender charges or referral arrangements should be explained before you proceed.
Do I have to live in Essex or Hertfordshire?
No. Si works with people across the UK. You can speak with him by phone or through an online appointment.
Will booking a call affect my credit score?
Booking an introductory conversation does not itself submit a mortgage application. Ask Si to explain any credit checks and their possible effect before you authorise them.