Red Sea Finance is an FCA-regulated mortgage broker based in Manchester, M1 5GD, specialising in Buy-to-Let, First Time Buyers, HMO and 3 other areas. Rated 5/5 from 140 reviews.
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Meet our experienced team of mortgage professionals
Azra Din
4 Mar 2026I would like to recommend and highlight Sajj from Red Sea Finance. They supported me from beginning to end and continue to aid me should I need further assistance. What I found distinguishing about them is their constant communication and explanation which was kept throughout the process making me feel secure. Definitely a friendly, supporting and knowledgeable person in his work.
ANDREA FIELD
12 Feb 2026We have been working with Sajj since 2006, we wouldn’t use anyone else. Sajj and his team and super professional, efficient and always offering the best suitable choices/options. There are many mortgage advisors out there, we can’t recommend Red Sea Finance enough. Thank you for all your help over the years.
emma abram
7 Feb 2026Cant recommend Sajj at Red Sea Finance enough. From our very first conversation, he was knowledgeable, patient, and genuinely invested in helping me find the right mortgage for my situation. He took the time to explain everything clearly, answered all my questions (no matter how small), and made what could have been a stressful process feel straightforward and manageable. Communication was excellent throughout — I was always kept up to date, and he was quick to respond whenever I needed reassurance or clarification. Most importantly, he worked hard to secure a great deal and made sure I fully understood my options before making any decisions. If you’re looking for a mortgage advisor who is professional, reliable, and truly cares about their clients, I wouldn’t hesitate to recommend Sajj at Red Sea Finance .
Mushtaq Ahmad
30 Jan 2026We have used the services of Red Sea Finance many times over the last 8 years Sajj has looked after my buy to let's and also residential options. He is an extremely honest and caring person who is always striving to get the best options for me. We always use his services and will continue to do so. We always recommend him l.
Afzal Sarwar
30 Jan 2026I have been working with Sajj Mahmood for the past 10 years, doing my buy to let mortgages and residential mortgage He is extremely honest, professional and Diligent and knows what he is doing. He will always go out of his way above and beyond to get me the best deal on the market. Thank you for all your hard work and efforts. I will continue to use your services and recommend you to all our family and friends. Regards Afzal
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
A complete guide to buy-to-let tax in 2026 — covering Section 24 mortgage interest relief restrictions, capital gains tax, allowable expenses, and tax-efficient structures.
Step-by-step guide for first-time landlords on getting a buy-to-let mortgage, from deposit requirements and rental yield calculations to lender criteria and stress tests.
Understand how lenders stress-test buy-to-let mortgage applications, including interest coverage ratios, pay-rate calculations, and how to improve your chances of approval.
Delve into the recent decrease in UK mortgage rates for limited company buy-to-let deals, its impact on the market, and future predictions for 2025.
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