Mortgage Broker in Ilford, Essex – Shafaqat Hayat

Shafaqat Hayat is a mortgage broker at Citi Financing Ltd, providing advice across a range of property and finance solutions. He provides clients with clear, structured guidance tailored to their individual financial circumstances and objectives.

With experience across residential and investment lending, Shafaqat works with individuals, landlords, and limited companies who require practical, straightforward mortgage advice. His approach focuses on clarity, suitability and helping clients understand their available options.

Citi Financing Ltd offers advice on residential mortgages, buy-to-let, HMOs, limited company mortgages, bridging finance and general insurance. Recommendations are tailored to each client and aligned with current UK lending criteria and regulatory standards.

Mortgage Advice Across the UK

If you are searching for a mortgage broker, it is important to work with someone who takes the time to understand your full financial position. Shafaqat supports clients purchasing a home, refinancing an existing mortgage or expanding a property portfolio.

Advice is based on affordability, lender criteria and long-term suitability. A wide panel of lenders may be considered where appropriate to help identify suitable options.

Shafaqat is fluent in English, Punjabi and Urdu, allowing him to support a broader range of clients with clear communication throughout the process.

How Mortgage Advice Is Delivered

The process begins with a detailed fact find to ensure all recommendations are appropriate.

This includes:

• Reviewing income, expenditure and credit profile
• Explaining mortgage types and repayment options
• Outlining lender criteria and associated costs
• Supporting communication with lenders and third parties

Clients are encouraged to ask questions to make informed decisions with confidence.

Areas of Advice

Shafaqat provides support in the following areas:

Residential Mortgages
Advice for first-time buyers, home movers and those purchasing a main residence.

Buy-to-Let Mortgages
Guidance for landlords purchasing or refinancing investment properties. Tax treatment depends on individual circumstances.

HMO Mortgages
Support for landlords investing in Houses in Multiple Occupation, subject to lender criteria.

Limited Company Mortgages
Advice for clients purchasing or refinancing property through a limited company structure.

Bridging Finance
Short-term lending solutions for time-sensitive transactions where appropriate.

General Insurance
Options to help protect property and financial commitments, based on individual needs.

Supporting Different Client Circumstances

Shafaqat works with a wide range of clients, including:

• First-time buyers entering the property market
• Landlords building or restructuring portfolios
• Limited company directors seeking property finance
• Clients with complex income structures

Each case is assessed individually. Approval is subject to lender criteria and cannot be guaranteed.

Location and Availability

Shafaqat Mortgage Broker is based in Ilford and supports clients across Essex and the surrounding areas. Advice can also be delivered remotely where appropriate.

• Romford
• Barking
• Dagenham
• Brentwood
• Hornchurch
• Chigwell

Speak to Shafaqat Hayat

If you require mortgage advice, you can arrange an initial discussion to explore your options. The aim is to provide clear, practical guidance so you can make decisions aligned with your financial goals.