Hughes Loans – Comprehensive Lending Advice Across All Sectors
At Hughes Loans, we provide independent lending advice across residential, buy-to-let, bridging, commercial, and development finance. With years of experience and a practical approach, we offer tailored solutions that fit your goals and financial circumstances.
We focus on clear, compliant guidance to help you make well-informed borrowing decisions.
🏡 Residential Mortgages
Secure the right mortgage for your home and future.
We help individuals, couples, and families understand the UK mortgage market. Whether you’re buying your first home, moving, or remortgaging, we guide you through every stage. With access to a broad lender panel and exclusive deals, we recommend options based on your income, lifestyle, and plans.
We offer advice on:
First-time buyer mortgages
Home mover mortgages
Remortgaging options
Help-to-Buy, Shared Ownership, and Right to Buy
Fixed, tracker, discount, and variable rate products
🏘️ Buy-to-Let (BTL) Mortgages
Practical finance for landlords and property investors.
Whether you’re buying your first rental or managing a portfolio, we provide BTL advice that considers yield, taxation, and affordability. We work with individual landlords and limited companies to find suitable lenders and competitive rates.
Buy-to-let options include:
Mortgages for individuals and limited companies
HMO and multi-unit blocks
Portfolio refinancing and restructuring
Lenders for applicants with complex income or credit history
🔁 Bridging Finance
Short-term property finance when time matters.
If you need funds quickly, bridging finance may help. It can be useful for auction purchases, breaking property chains, or completing work before refinancing. We arrange short-term loans with fast turnaround times and clear repayment strategies.
Typical uses include:
Buying before selling
Auction purchases
Refurbishment or change of use
Covering temporary cash flow gaps
🏢 Commercial Finance
Tailored finance for business growth and property investment.
We arrange commercial finance for owner-occupiers and investors across a wide range of property types. Whether you’re purchasing a shop, letting out an office, or investing in industrial space, we match your needs to suitable lenders.
Commercial finance arranged for:
Owner-occupied properties
Investment properties
Offices, shops, restaurants, industrial units
Semi-commercial buildings
🏗️ Development Finance
Structured funding from land to finished project.
Development finance can fund new builds, conversions, or large refurbishments. We support property developers with access to funding throughout the project—whether you’re building one home or a multi-unit site.
Solutions available for:
New build residential schemes
Property conversions and refurbishments
Equity-backed and joint venture funding
Exit loans and sales-period bridging
You can find us on: Find Mortgage Advisers
Contact Us
Hughes Loans is an Appointed Representative of Connect IFA Limited (441505), which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference [FCA Reference Number].
Please note: The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Important Notice
Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The precise amount will depend on your individual circumstances. Your adviser will confirm the actual amount prior to any commitment, but we estimate this to be a minimum of £499 or 0.5% of the mortgage balance — for example, £500 on a £100,000 mortgage.
We usually charge a £199 administration fee when submitting your application to the lender.
Company Details
Hughes Loans
8
Warren Court
Frodsham
Cheshire
WA6 6EN
Registered in England and Wales No: ZB687368
Commission Disclosure
We act as a credit broker and not a lender. We have access to a wide range of lenders. Once we have assessed your requirements, we will recommend a suitable product from one or more of these lenders. However, you are under no obligation to accept our advice or recommendation.
We typically receive commission from the lender upon completion of your transaction. This is usually a fixed percentage of the loan amount. The amount of commission varies by lender and product, but it does not affect the amount you pay under your credit agreement.
Complaints Procedure
It is our aim to deliver excellent customer service at all times. However, if you wish to make a complaint, please contact us in writing at:
Compliance Department
Connect IFA Ltd
39 Station Lane, Hornchurch, RM12 6JL
Tel: 01708 676110
If your complaint cannot be resolved, you may have the right to refer it to the Financial Ombudsman Service:
www.financial-ombudsman.org.uk
Important Considerations
Think carefully before securing other debts against your home.
By consolidating debts into a mortgage, you may end up paying more over the full term than you would with your existing arrangements.
The actual rate available will depend on your individual circumstances. Ask for a personalised illustration.