Red Sea Finance

Red Sea Finance - Mortgage Advice Manchester | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Red Sea Finance

At Red Sea Finance, I specialise in navigating the complexities of the mortgage landscape, ensuring that both first-time buyers and seasoned investors receive the guidance they need. Located in the heart of Manchester, I have developed a keen understanding of the local property market, which allows me to provide insightful advice tailored to your specific circumstances. Whether you’re stepping onto the property ladder for the first time or looking to expand your buy-to-let portfolio, I am here to simplify the process. My expertise extends across various mortgage types, including Buy-to-Let, Houses in Multiple Occupation (HMO), and remortgages. Each type of mortgage presents its own unique challenges and opportunities, and I pride myself on my ability to demystify these for clients. The journey begins with an in-depth consultation where I take the time to understand your financial goals. I believe that a clear comprehension of your needs is paramount. This means discussing your current situation, future plans, and any concerns you may have. With this foundation, I conduct thorough research to find the most suitable mortgage products available in the market. I also recognise the intricacies involved in managing a property portfolio. For those considering multiple investments, I offer insights into structuring your finances effectively to maximise returns while keeping risk to a minimum. My approach involves constant communication, so you never feel out of the loop during the mortgage application process. Remortgaging can often seem daunting, yet it presents an opportunity to reassess your financial position and potentially lower your monthly payments or release equity. I will guide you through the options, ensuring you understand the implications of each choice. Every step of the way, I am committed to making the mortgage process as clear and straightforward as possible.

Specialisations

Buy-to-LetHMOPortfolio

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(141 reviews)

Azra Din

4 Mar 2026

I 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 2026

We 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 2026

Cant 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 2026

We 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 2026

I 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