Sun Mortgage & Protection Ltd

At Sun Mortgage & Protection, we provide smart, personalised mortgage and protection solutions designed around real people, real challenges and real financial goals.

As a whole-of-market brokerage, we help homebuyers, landlords, investors and high-net-worth clients secure lending that truly fits their circumstances — from straightforward residential mortgages to complex-income and portfolio finance.

We support a wide variety of clients, including:

• First-time buyers needing clear guidance and confidence

• Home movers looking for fast, proactive mortgage support

• Landlords expanding buy-to-let or HMO portfolios

• Property investors using SPVs or limited company structures

• High-net-worth clients with bonuses, foreign income or asset-based earnings

• Self-employed professionals, contractors and directors

• Clients returning from overseas or earning in multiple currencies

Our advisers focus on understanding each client’s full financial picture, ensuring lender recommendations are tailored, competitive and suitable. We’re known for unlocking cases that require deeper expertise, including foreign income, multi-stream earnings, non-standard employment, complex property types and challenging credit profiles.

Our expertise includes:

• Residential mortgages, remortgages & home-mover finance

• Buy-to-let, HMO, multi-unit & portfolio lending

• SPV/limited company & landlord portfolio strategies

• Foreign income, complex income & specialist lending

• Self-employed, contractor & director-led mortgages

• Adverse credit solutions & niche lending

• Life insurance, critical illness cover & income protection

With access to mainstream banks, building societies, specialist lenders and private finance, we manage the full process from affordability checks to completion, removing stress, improving outcomes and ensuring a smooth journey every time.

Delivering clarity, confidence and exceptional client service.