PAD Financial

Mortgage broker  Pad Financial, South Yorkshire, Sheffield, S1 4FS
First meeting at adviser's own cost
Mortgages are evolving rapidly as banks and building societies react to the Covid-19 pandemic. We have invested a lot of time building relationships with all lenders and can take the complexity of the mortgage application process out of your hands.
We can advise you on
Bad credit
Building your home
Buy my next home
Buy to let
Buying commercial property
Buying first home
Buying overseas
Flexible mortgages
High loan to value
Next home / Remortgaging
Right to buy
Self-employed mortgages
Response rating
FCA authorised
Last authorised 1st March 2021
Meet our advisers
MR Paul Dorward BA(hons) CeMAP CeRER

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the regulatory and practical implications of the Treating Customers Fairly initiative.

This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

What our clients say
I thought Paul provided me with a fantastic service. I was recommended Paul by a friend and when I initially got in touch as a first time buyer, he was very happy to talk through the overall house buying process and steps which, while not directly relevant to giving me mortgage advise, it really helped me. Once I had found the property, Paul was highly responsive and helped me to get the mortgage application taken care of within days. He was proactive at following up and when the legal process turned into a saga he was happy to help where needed. I couldn't recommend Paul highly enough. He was by far the person who most helped the house buying process be easier for me!
Kirsty C, London
He does his best for your Financial situation and was sincere and genuine in his dealings with me I felt and would not hesitate to use him again or recommend him to friends and family.
Nadeem B, Wimbledon
Paul provided a full and comprehensive service throughout two purchases of properties; from an informal chat before we were ready to even look for properties to the day of completion, he was always on hand with advice and options, keeping us informed on all aspects of the process.
Gavin C, Worthing
I have worked with Paul on various purchases of Property from outside the UK and he has been outstanding in terms of responsiveness, obtaining great deals and most importantly getting me what I want. Paul has also advised me on pension matters and setting up trusts. I hold Paul in such high regard he is used by members of my family and friends.
Jason T, London
Purchasing a new property requiring a small mortgage. Paul found us the best deal on the market that suited our budget and repayment needs, he did this for two properties (one sale fell through), all for one fee, handled all the paperwork and answered all our queries promptly and fully - as well as keeping us calm throughout the process. Successful completion of property purchase and mortgage, so yes.
Piers T, London
Buying a house. *. Bought the house.
Antoni H, London
Paul was absolutely fantastic in supporting me through the process of getting a mortgage. I found him to be extremely knowledgeable and he went above and beyond to try to secure me the best possible mortgage deal, even when this created additional work for him. Paul was accessible and the lines of communication were always open. I felt that he really listened to what I wanted and needed and took this on board to ensure that the 'best' deal was the one which was personalised to my needs and thus 'best' for me. When terms or language used by the mortgage companies was confusing, Paul was able to communicate the situation in a way more appropriate for the 'lay person'. The house purchase took five months and I felt that as Paul supported me throughout, I feel I got real value for money. I would certainly recommend him to friends and family.
Francine, South Yorkshire
Paul provided clear and comprehensible information, made a complex process really simple for us, and crucially provided advice & guidance based on experience. We'd use his services again and would recommend to anybody.
Jonny, South Yorkshire
Myself and my partner cannot thank Mr Dorward enough for his help in finding us a mortgage to suit our requirements and situation. He went over and above to help us at every stage and thanks to him we now have our new home. If only he could have been our solicitor too! Excellent friendly service and I would definitely (and have) recommend him to anyone.
Hazel, South Yorkshire
I've really enjoyed working with Paul to secure the best possible mortgage for me. Right from the beginning I've had absolute confidence in Paul and his approachable manner made me feel at ease asking 'silly' questions as I'm a first time buyer. Paul is straight talking, efficient and willing to go the extra mile to offer a helping hand in the house-buying and mortgage sorting process and I'm so glad I've had his support in doing this, it's certainly taking the stress out of securing a mortgage and I'll definitely be using his services again when it comes to remortgaging. A fantastic service and excellent advice from a thoroughly nice chap; I would certainly recommend Paul to friends and family.
Claire, West Yorkshire
I would happily recommend Paul to my friends and family
Louisa, London
Paul managed to find a solution to funding my development project where other mortgage advisors had failed. It was a challenging and time consuming project for him which he delivered on time and for the original quote.
Alex, North Yorkshire
I have been very impressed with Paul, he has done an excellent job in helping me secure a right to buy mortgage where no one else could. He has been very patient with me and understood all my requirements and explained everything very well, I would highly recommend him to anyone else. Nothing has been too much trouble for him and I greatly appreciate all his help.
Melanie, North Yorkshire
PAD Financial have provided me with Mortgage advice for the purchase of two residential properties in recent years. On both occasions the advice I received was excellent resulting in me obtaining highly competative interest rates on my repayments. A usually complicated and confusing process was made simple and easy to understand. PAD have subsequently advised me on numerous other financially related matters and have never been disapointed with the service or results I have received. Richard Lace MRICS
R Lace, Lancashire
Paul is sharp and proactive and I look forward to working with him again!
J Taylor, London
My wife and I asked Paul at PAD Financial to help us change our mortgage provider and we were very happy indeed with the service he gave us. Since then we have had no hesitation in passing Paul's details onto other people looking for a professional, personable approach from a local IFA.
N Varley, Sheffield
About us

We have been in business since 2009, have a lot of experience in assisting a wide range of clients and are mortgage specialists. PAD Financial specialises in advising their clients on their mortgage and protection insurance options based on what is right for them, rather than what is right for managerial sales figures. We welcome enquiries from first time buyers, next step movers, those concerned with the effects of interest rate rises and anyone else with questions about their mortgage.

Our services

When it comes to buying or remortgaging property, it is our job to understand your position, your needs and your aspirations and then to recommend the right mortgage for you. We will ensure that you get the best rate to suit your circumstance from the whole of the market and liaise with the lender, the estate agent and the solicitor to ensure that your dream property purchase does not become a nightmare for you. We will do all the work and allow you to get on with planning your move.

Where to find us
Head office address: Pad Financial, Alpha House, 10 Carver Street, South Yorkshire, Sheffield, S1 4FS
Preferred clients
Minimum mortgage value
Special offers
Choose an Unbiased exclusive special offer:
Advice methods
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    Face to face

Your home may be repossessed if you do not keep up repayments on your mortgage.

Paul Dorward trading as PAD Financial is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Please note that the Financial Conduct Authority do not regulate Secured Loans or most Buy-to-Let mortgages.

Response rating
FCA authorised
Last authorised 1st March 2021

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