# Friends Capital

> FCA-regulated, whole-of-market mortgage broker based in Sheffield, serving clients across the UK. Friends Capital Ltd (FCA FRN 650114, Companies House 08902973) provides independent mortgage, protection, and insurance advice through CeMAP-qualified advisers.

Friends Capital is based at Beehive Works, Milton Street, Sheffield, S3 7WL, and advises clients both locally in Sheffield and across the rest of the UK. The firm is not tied to a limited panel of lenders.

## Mortgages

- [Mortgage Options](https://www.friendscapital.co.uk/mortgage-options): Overview of fixed, variable, and tracker mortgage rates.
- [First Time Buyer](https://www.friendscapital.co.uk/first-time-buyer): Guidance on government schemes, deposits, and rates for new buyers.
- [Purchase/Home Mover](https://www.friendscapital.co.uk/purchase-home-mover): Support for buying and selling in tandem when moving home.
- [Re-Mortgage](https://www.friendscapital.co.uk/remortgage): Remortgage deals and rate comparisons for existing homeowners.
- [Buy-to-Let Mortgages](https://www.friendscapital.co.uk/buy-to-let-mortgages): Mortgage advice for landlords and property investors.
- [Shared Ownership Mortgages](https://www.friendscapital.co.uk/shared-ownership-mortgages): Part buy, part rent scheme guidance.
- [Mortgages for Over 50s](https://www.friendscapital.co.uk/mortgages-for-over-50s): Later life lending and retirement mortgage options.

## Specialist Mortgages

- [Self-Employed Mortgages](https://www.friendscapital.co.uk/self-employed-mortgages): Specialist advice for contractors, freelancers, and business owners, including an FAQ on trading history, income calculation, and documentation.
- [Mortgages with Bad Credit](https://www.friendscapital.co.uk/mortgages-with-bad-credit): Advice for adverse credit histories including CCJs, IVAs, and bankruptcy, including an FAQ on eligibility and deposit requirements.
- [Bridging Loans](https://www.friendscapital.co.uk/bridging-loans): Short-term finance for property purchases, auctions, and chain breaks.
- [Equity Release](https://www.friendscapital.co.uk/equity-release): Later-life property equity options for homeowners over 55.

## Insurance and Protection

- [Insurance and Protection](https://www.friendscapital.co.uk/insurance-and-protection): Overview of protection products.
- [Life Insurance Protection](https://www.friendscapital.co.uk/life-insurance-protection): Term life, whole of life, and family income benefit policies.
- [Income Protection Insurance](https://www.friendscapital.co.uk/income-protection-insurance): Salary protection cover.
- [Critical Illness Cover](https://www.friendscapital.co.uk/critical-illness-cover): Serious illness protection.
- [Buildings and Contents Insurance](https://www.friendscapital.co.uk/buildings-and-contents-insurance): Home protection cover.
- [Private Health Insurance](https://www.friendscapital.co.uk/private-health-insurance): Medical cover advice.
- [Business Protection](https://www.friendscapital.co.uk/business-protection): Commercial cover and key person insurance.

## Tools

- [Stamp Duty Calculator](https://www.friendscapital.co.uk/stamp-duty-calculator): Calculate stamp duty costs for a property purchase.
- [How Much Can I Borrow?](https://www.friendscapital.co.uk/how-much-can-i-borrow): Mortgage affordability calculator.

## Company

- [About](https://www.friendscapital.co.uk/about): Meet the Friends Capital team, including CeMAP-qualified advisers.
- [Contact Us](https://www.friendscapital.co.uk/contact-us): Contact details, office address, and enquiry form.
- [Blog](https://www.friendscapital.co.uk/blog): Mortgage and finance insights and market updates.
- [Careers](https://www.friendscapital.co.uk/careers): Job openings at Friends Capital.

## Optional

- [Privacy Policy](https://www.friendscapital.co.uk/privacy-policy)
- [Terms and Conditions](https://www.friendscapital.co.uk/terms-and-conditions)
- [Cookie Policy](https://www.friendscapital.co.uk/cookie-policy)