Content reviewed: January 2026
CeMAP awarded by The London Institute of Banking & Finance. Cert CII (MP) awarded by the Chartered Insurance Institute.
About Your Home Finance
29 years' industry experience helping UK homebuyers
With 29 years of experience, we are a trusted UK mortgage specialist specialising in complex cases. When others say no, we say let's talk.
Why I Set Up Your Home Finance
After nearly three decades in the mortgage industry, I've seen too many people turned away because their situation didn't fit a computer system. Bad credit, self-employed income, complex circumstances — these cases need experience and proper underwriting, not automated rejection.
That's why Your Home Finance exists: to give people clear, honest answers and a realistic path forward — even when others say no.
— Jay Sabine, Principal Adviser
About Us
Although Your Home Finance is a modern, fresh brand, the expertise behind it comes from 29 years of hands-on experience in mortgages, protection, and specialist lending.
While we keep our approach personal and tailored, our strength comes from the wider network working alongside us — including dedicated case support, specialist underwriters, compliance partners, and a broad panel of lenders across the UK.
We operate with the efficiency and depth of a larger firm:
- ✓Comprehensive case management from initial enquiry to completion
- ✓Access to specialist lenders for complex or non-standard situations
- ✓Support teams working behind the scenes to keep cases moving smoothly
- ✓Industry partnerships that give clients faster decisions and better outcomes
Our expertise covers everything from adverse credit and company-director income, to second charges, remortgages, specialist protection, and non-standard lending scenarios. Every case is handled with the same level of detail, care, and professionalism you'd expect from a much larger organisation.
Your goals, your circumstances, your timeline — supported by Your Home Finance.
Who You'll Deal With
You won't be passed between departments or call centres. Your case is handled personally, with adviser-led research and clear communication from start to finish.
When you contact us, you're speaking directly with an experienced mortgage adviser — not a junior screener or an automated system. We believe complex cases deserve proper attention, not scripts.
Our Values
Client-Focused
We won't recommend a mortgage unless we're confident it's right for your situation.
Trust & Integrity
If we don't think a mortgage is realistic yet, we'll say so — and explain why.
29 Years of Expertise
Nearly three decades specialising in complex cases that high-street lenders decline.
Supportive
We guide you through every step, from first conversation to completion.
Regulation & Compliance
Your Home Finance Limited is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). FCA Number 989177. You can check our details on the FCA Register. We are also registered with Companies House (Company Number 14506378).
We operate to the highest professional standards and are committed to treating customers fairly. We provide whole-of-market mortgage advice, meaning we have access to mortgages from all major UK lenders and can search the entire market to find the most suitable option for your needs.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Typically we charge a fee of £500 for arranging your mortgage. The precise amount will depend on your circumstances and the complexity of the mortgage arranged.
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