Founded by award-winning mortgage specialist Augusta Onyiuke-Eluma, we are whole of market advisers, specialising in complex cases. If you do not fit on the high street or you are trying to achieve something that is not typical or straight-forward, why not get in touch and talk to us about it. We may just be able to find a creative solution for you
Buy To Let Mortgages
Mortgages for Investment Purposes
We can support you in finding the right loan(s) for your Buy-to-Let purchases and remortgages. Our recommendations are supported with clear explanations around our direction so that you are totally comfortable and have buy-in before we proceed to decision in principle. We also provide you with solutions that you may not have previously thought of.
Portfolio Landlords
Four or more properties owned in your individual name or via limited company
In 2017, new rules came into place dictating how buy-to-let investors who own more than four properties - excluding their residential property - would be underwritten. These properties could be held in your individual name or via limited company. They also include jointly owned properties. Prior to that, there was a common preconception that there was a limit on the number of properties you could accumulate. We are used to dealing with portfolio Landlords and we do not place restrictions on your ambitions. We simply assist you in achieving them.
Limited Company
Using a company structure to acquire property assets and build your portfolio
We are experienced when it comes to dealing with individuals who wish to invest via limited company. We also have good relationships with companies offering limited company loans. We are only one part of your power team so it's imperative that you understand your current abd potential tax position before moving forward (hence the need of a good property accountant) but we can and will support you in your lending needs. To help you make an informed decisions, we will be transparent about the pros, cons and areas you need to research before deciding.
Bridging Loans
Short-term high interest loans for a variety of purposes
It can be daunting to use a bridging loan for the first time. Whether you need one to purchase a property that is not mortgageable, refinance an asset to raise money for a range of purposes (auction purchase, tax bill, heavy renovation etc.) or another private or personal reason, we pride ourselves on having open and honest conversations around process and pricing. We'll hold your hand through the experience (if you need us to) and even provide credible exits (where required).
Development Finance
Short-term loans to support heavy refurbishment projects and ground up developments
If you are seeking development finance support, it's likely that you've been in the property game for some time and you've built up at least a small portfolio. You now want to benefit from larger returns and may now even have business partners or other investors. You want to work with an experienced brokerage that will understand your funding needs, and who have the patience to match you with a suitable lender. If you plan to retain all or part of the site, we will also support you in finding options and solutions to meet this aim.
Commercial Loans
Finance to purchase various kinds of commercial units
This is arguably the most challenging kinds of loans to place for a variety of reasons. One of the biggest challenges we face is people trying to purchase an ongoing business without relevant experience or a seller who has not been maintaining accurate accounts. Another reason is that there are a limited number of lenders operating in this space. Whether you are looking for an owner-occupier or third-party commercial loan, we're a great place to start.
Second charge lending
Loans that do not disturb your current mortgage
Second charge loans are used for a number of reasons but people typically approach us when they have a very competitive first charge loan (such as a great tracker product) and they want to raise money without moving away from their current lender. Your first point of call should be your current lender but if you experience problems, we can explain your options. We work with strategic partners to deliver solutions. Please be advised that we can only provide guidance and introductions for unregulated second charge loans or where is it used for business purposes.
Business Finance
Suite of borrowing products available to various kinds of businesses
Every business is unique. Some focus on till point sales, while some focus only on online sales. Some are product based and others are service based. When deciding on how to raise finance to fix a problem or expand your business, you want to work with a frank brokerage that will provide you with a range of options. We work with a range of strategic partners to deliver solutions
HNW Borrowing
Independently wealthy individuals seeking discreet borrowing to fix a short-term problem
Of course a high net worth (HNW) individual could benefit from any of the products we can offer. However sometimes you may have a unique asset that does not quite fit in any of the other categories. If you need to raise finance for any purpose, we work with a range of private banks and lenders who may be able to offer you a competitive solution.
Comments listed from VouchedFor reviews
Trusted and Endorsed
What could they have done better?
Based in Essex
Augusta was personable and efficient and kept us informed of progress etc so I cannot say what could have been done better.
How did Augusta help you?
Based in Lancashire
She took time to understand my circumstances and found a suitable mortgage for me. I found her to be extremely knowledgable and efficient
How did Augusta help you?
Based in London
Augusta gave me great advice in relation to the best and most appropriate BTL mortgages available to me. She explained the products well to me and gave me a great overview of the different products available in the market
Have you seen the outcome you were hoping for?
Based in London
Yes. She is amazing, highly recommended. 5 stars across the board
Are you interested
in speaking to us?
SONGHAI PROPERTY FINANCE | www.songhaipf.com | ICO number: ZC101676
Songhai Property Finance trading name of Franklin.Paige.Victoria Limited. Registered office: Registered office: The Old Courthouse, New Rd Ave, Chatham ME4 6BE | Registered in England & Wales. Reg. No. 07833061. We are a credit broker and not a lender. We work with a panel of lenders and will introduce you to one or more of them based on your circumstances. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission model: percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.
Personalised service - you get to speak to an experienced human
Property Experience - our advisers have purchased property in the UK so understand the process and challenges
Integrity - closing business is secondary to providing you with informative information to make a credible decision
While SONGHAI PROPERTY FINANCE takes all reasonable steps to ensure the accuracy and timeliness of the information contained on this website, we cannot guarantee this and accept no liability for any errors or omissions. Any detail provided on this website, is for information purposes only. Full advice and recommendation can only be obtained by contacting one of the advisors at SONGHAI PROPERTY FINANCE.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
PRIVACY NOTICE
Who we are
Franklin.Paige.Victoria Ltd trading as SONGHAI PROPERTY FINANCE is a firm registered in England & Wales under registration – 07833061. Registered Office – The Old Courthouse, New Rd Ave, Chatham ME4 6BE
Our ICO number is ZC101676
What data do we collect?
Our Company collects the following data:
• Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
• Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history
• Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents
• Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)
• Any pre-existing Mortgage and Insurance products and the terms and conditions relating to these
How do we collect your data?
We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to Mortgages and Insurance. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
Special Category Data
In the course of your interactions with SONGHAI PROPERTY FINANCE, you may share information that is classified as ‘Special Category Data’. This could include data about:
• Race
• Ethnic origin
• Politics
• Religion
• Trade union membership
• Genetics
• Biometrics
• Health
• Sex life
• Sexual orientation
Where you do share information relating to any of these categories e.g., when you may share information about your health or a characteristic of vulnerability SONGHAI PROPERTY FINANCE will always seek explicit consent from you to store and process such information.
How will we use your data?
Our Company collects your data so that we can:
- Process your application and manage your request.
- Email you with special offers on other products and services we think you might like.
- To monitor the performance of our products and services to ensure consumer outcomes are being achieved
| Purpose/Activity | Type(s) of data | Lawful basis for processing |
|---|---|---|
| To initially engage with you to discuss your requirements |
• Identity • Contact |
Consent Necessary for our legitimate interests |
| To source products, provide indicative quotes, and process & deliver your application for a mortgage or protection product |
• Identity • Contact • Financial • Transaction • Marketing & Comms • Special Category |
Performance of a contract with you To comply with a legal obligation Necessary for our legitimate interests (to recover debts due to us) Explicit Consent |
|
To manage our relationship with you which will include: • Notifying you about changes to our terms or privacy policy • Customer reviews / surveys • Re-engagement when existing products nears expiry / review protection needs |
• Identity • Contact • Profile & Usage • Marketing & Comms |
Performance of a contract with you To comply with a legal obligation Necessary for our legitimate Interests (to re-engage with you to review your existing mortgage / protection needs, and to maintain and improve customer service standards) |
| To respond to case enquiries and input to & defend against complaints |
• Identity • Contact • Profile & Usage • Transaction • Marketing & Comms • Special Category |
To comply with a legal obligation Necessary for our legitimate interests (to ensure that complaints can be responded to accurately) Legal Claims & Judicial Acts |
| To perform an affordability check for a property on behalf of an Estate Agent or New Home Builder |
• Identity • Contact • Financial • Profile & Usage |
Necessary for our legitimate interests and of the New Home Builder / Estate Agent (to ensure that a property is affordable before proceeding with the purchase process) |
| To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) |
• Identity • Contact • Technical |
To comply with a legal obligation Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) |
| To use data analytics to improve our website, products/services, marketing, customer relationships and experiences |
• Technical • Profile & Usage |
Necessary for our legitimate interests (to analyse customer usage, update our website, to develop our business and to inform our marketing strategy) |
Lawful Basis for Processing Data
If you agree, Our Company will share your data with our partner companies so that they may offer you their products and services.
| Type of recipient | Reason |
|---|---|
| Lenders and protection product suppliers | To source and submit applications in order to conclude the contract for the mortgage / protection application and the ongoing servicing of these contracts. |
| External suppliers | Specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to SONGHAI PROPERTY FINANCE. |
| Solicitors / Conveyancers | To update the firm of solicitors / conveyancers with whom you are interacting about the progress of your application and confirm your identity / proof of deposit. |
| Estate agents / new home builders | To update the firm of mortgage / protection advisers, estate agents and home builders with whom you are interacting about the results of affordability checks and progress of your application. |
| Licensed Credit Agencies | For the purposes of confirming your identity to comply with Anti Money Laundering requirements to perform a credit assessment to assess your eligibility; as part of an application request for a Lenders Decision In Principle; and to perform a credit assessment with your consent as part of a full application. |
| Regulators | Sharing of information may be necessary to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority, to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities. |
| Others | Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice |
When Our Company processes your data, it may send your data to, and also use the resulting information from, credit reference agencies to prevent fraudulent purchases.
How do we store your data?
We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom.
| Purpose of processing | Retention |
|---|---|
| Successful mortgage / protection applications | For the full mortgage or protection policy term – six years from the date the application completes. |
| Withdrawn, stalled, incomplete and failed mortgage/ protection applications | 2 years from the date the latest application was started, or 6 years from the application submitted date if application was submitted and subsequently rejected or from creation date if advice has been provided but not pursued |
| Affordability assessments for new build property | 2 years from Decision In Principle if affordability check does not proceed to a full mortgage application |
| Enquiry data obtained from third parties (Estate Agents, websites) that do not result in an application for a mortgage / protection product | 2 years from the date the lead was received from the Introducer |
Marketing
SONGHAI PROPERTY FINANCE understands that with the introduction of the Consumer Duty, it is likely the level of communications issued by our business will increase. This will be necessary to support customers to understand the products and services offered and to provide support to customer throughout the lifecycle of the relationship.
If you have agreed to receive marketing, you may always opt out at a later date.
You have the right at any time to stop Our Company from contacting you for marketing purposes or giving your data to other members of the Our Company Group.
What are your data protection rights?
Our Company would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request Our Company for copies of your personal data. We may charge you a small fee for this service.
The right to rectification – You have the right to request that Our Company correct any information you believe is inaccurate. You also have the right to request Our Company to complete the information you believe is incomplete.
The right to erasure – You have the right to request that Our Company erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that Our Company restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to Our Company’s processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that Our Company transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our email:
Call us at: 07817 878 729
Or write to us: welcome@songhaipf.com
Cookies
SONGHAI PROPERTY FINANCE does not use cookies to track and test customer engagement and actions throughout the customer journey or customer communications. SONGHAI PROPERTY FINANCE understand that under the Privacy and Electronic Communications Regulation (PECR) opt-in consent is required when these types of cookies are used.
Cookies are text files placed on your computer to collect standard Internet log information and visitor behaviour information. When you visit our websites, we may collect information from you automatically through cookies or similar technology.
For further information, visit www.allaboutcookies.org.
Changes to our privacy policy
Our Company keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last 23/03/2026.
How to contact us
If you have any questions about Our Company’s Privacy Policy, the data we hold on you, or you would like to exercise one of your data protections rights, please do not hesitate to contact us.
Email us at: welcome@songhaipf.com
Call us: 07817 878 729
Or write to us at: The Old Court House, New Road Avenue, Chatham, Kent, England, ME4 6BE
How to contact the appropriate authority
Should you wish to report a complaint or if you feel that Our Company has not addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office at www.ico.org.uk | Telephone number: 0303 123 1113 | Postal address: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF