Birjoo from S A Mortgages

At The Brentano Suite, Finchley we take pride in highlighting the businesses that contribute to our vibrant community, and this month we sat down with Birjoo from S A Mortgages to explore the expertise behind their growing reputation. For many buyers the journey to securing a home or investment property can feel overwhelming, but the team at S A Mortgages works to make the process clearer and more manageable from the very first conversation to the moment the keys are handed over.

During our discussion they shared valuable insight into the challenges clients often face, from navigating complex lending criteria to planning long term financial stability, and how their practical guidance helps individuals and businesses move forward with confidence. Their approach is rooted in communication, experience and genuine care for the people they work with.

In this interview they reveal what clients can expect when working with them, the services they offer and why being based at The Brentano Suite enhances the support they deliver every day.

Who are S A Mortgages?

Can you tell us a bit about your business and what you do?

SA Mortgage Protection

When you’re looking to buy a home or an investment property, you usually need to finance it with a mortgage and that’s what we arrange for you. We guide clients through the entire process from start to finish: from before you even start viewing properties, right through to completion when you get the keys!

We provide advice and support at every stage, including guidance on what price range to look within, arranging the finance, setting up life insurance, wills, and trusts. Essentially, a comprehensive service for everything associated with owning a property.

What makes your approach to mortgage advice unique?

I wouldn’t say there’s anything particularly unique that we do. We’ve built our reputation by being communicative, knowledgeable, and trustworthy. There’s no secret formula — just consistent service and reliability.

What inspired your career in mortgages and the launch of Source All Mortgages?

I fell into property straight after university, when a recruiter insisted it would suit me — and they were right. Over the years, I’ve worked across almost every part of the industry, including lettings, sales, property management, mortgage advice within a bank, and advising through an estate agency.

Experiencing each stage of the process from the ground up has given me a strong understanding of how the entire journey fits together. It allows me to support clients at any stage and answer questions that go far beyond the mortgage itself.

Sales was never my strength, but mortgage advice came naturally. Working on behalf of the buyer, guiding people through major life decisions, and giving them confidence that someone is handling things properly is where I found my stride.

I’ve now been advising on mortgages for over a decade and have handled hundreds — if not thousands — of cases. There are very few scenarios I haven’t encountered, and when we’re involved in a case, I can confidently say we’ll see it through.

There’s also a deeply personal reason this work matters to me. My father once lost out on what would have been his dream home due to poor mortgage advice. That experience stayed with me and continues to shape how I work today. It’s why I focus on doing the right thing rather than chasing the biggest cases or highest fees — and likely why we’ve grown largely through word of mouth.

If I can genuinely help someone secure a home and make a positive difference for their family, that’s a win in my book. It’s something people can look back on and be grateful they had the right person guiding them.

Mortgages may not be the most exciting topic at a dinner party, but helping someone secure their dream home never gets old. When I founded Source All Mortgages, I never set out to grow the business to its current size. I put that down to keeping our heads down, working hard, and providing sound, trustworthy advice — an ethos that remains at the heart of everything we do.

Why does mortgage advice matters?

The right mortgage adviser and solicitor can be the difference between making or breaking a deal and also determines how stressful the process is.

Having someone who can identify and resolve issues, and importantly, anticipate potential hurdles before they happen, is one of the most valuable things a mortgage adviser can offer. This can only come from experience.

What are the common challenges your clients face?

Everyone’s situation and scenario is different. Some clients are buying their first property, while others may be adding or removing someone from a mortgage, planning for inheritance, or dealing with property construction that many lenders won’t accept. Some may want to release funds for home improvements, sell their existing investments into a company, or buy a property at auction, which requires a very quick completion. Others may be remortgaging to secure a lower rate or releasing equity to purchase another property. Supporting family members to get a mortgage but not be named on the property may be what a buyer needs.

The list goes on — everyone’s position is different. Doing this yourself can be daunting, and it’s not always clear where to start. We handle these situations every day, so we will take on the challenges for you.

What services are offered by S A Mortgages?

🏡 Residential mortgages
🏢 Buy-to-Let mortgages
🔁 Remortgages
⏱️ Bridging loans
💰 Equity release
📜 Wills
🛡️ Life insurance

How do these services help your clients achieve their goals?

Owning a property gives clients both financial and personal stability. It creates a foundation for their future, reduces long-term financial strain, and provides reassurance that their children will have security and supported in the future.

How does being based at The Brentano Suite help your clients and business?

This is a very well-looked-after building with plenty of natural light, a good reception service, and a high standard of maintenance and cleaning. There are certainly cheaper offices available, but this makes a difference given how much time we all spend at work.

What advantages do The Brentano Suite tenants have when working with you?

Convenience and trust. Welcome to pop into the office rather than speaking to us over a phone or video call where you can meet the team too.

Frequently Asked Questions

What makes S A Mortgages different from other brokers?

Again, I wouldn’t say we do anything particularly unique. Our business has grown purely through word of mouth, and perhaps that speaks for itself. You have to be right for us, and we have to be right for you. When that’s the case, you can expect trust, knowledge, and a team that will see you through the entire process.

Who can you help — individuals, businesses, or both?

We work with both individuals and businesses.

How can someone book a consultation with you?

You can call us on 020 3887 3936 or email info@samortgages.co.uk, and we’ll arrange a meeting.

Grow With Confidence at The Brentano Suite, Just Like S A Mortgages

S A Mortgages is one of the many thriving businesses choosing The Brentano Suite Finchley for a professional base that supports productivity, client trust and long term growth. Their team values having a presentable space where clients can meet them face to face and an office that is a pleasure to work from.

With serviced offices across Elstree, Whetstone, North Finchley and Hampstead Garden Suburb, our centres are designed for ambitious teams who want a workspace that makes an impact.

✨ Hampstead Garden Suburb: One three person windowed office available now, don’t miss this rare opportunity!
✨ Elstree: Newly opened second floor with 40% already occupied!
✨ Whetstone: Two spacious, light filled offices ready to view
✨ North Finchley: Modern serviced spaces available for immediate move in

Join our community of growing businesses and discover a workspace that empowers success.

Have Any Questions?

Discover More About S A Mortgages

Visit their website or get in touch by phone 020 38873936 or email info@samortgages.co.uk to learn more about their services, get expert mortgage advice, and stay up to date with the latest property insights.

How can I book a tour at one of The Brentano Suite locations?

You can book a tour to visit any of our locations anytime.