Sibeesh Sidharthan – Mortgage and Protection Broker in Marylebone, London

Sibeesh Sidharthan is a mortgage and finance adviser at Rey Capital Limited, providing structured guidance across specialist property lending and protection planning. His areas of permission include Houses in Multiple Occupation, limited company mortgages, bridging finance, buy-to-let mortgages, protection and general insurance.

He works with property investors, landlords and individuals who require clear, suitability-based advice aligned with current UK regulatory standards. Recommendations are always tailored to affordability, lender criteria and long-term financial objectives.

Rey Capital Limited delivers transparent advice, ensuring clients understand their options before making financial commitments.

Mortgage and Property Finance Advice

Selecting a broker involves more than comparing rates. It requires an adviser who assesses your full financial position, clearly explains lender requirements, and structures finance responsibly.

Sibeesh supports clients who are:

• Purchasing or refinancing buy-to-let properties
• Expanding HMO portfolios
• Securing finance through limited company structures
• Requiring short-term bridging solutions
• Reviewing protection and insurance arrangements

Each recommendation begins with a detailed fact find to ensure suitability and compliance with lending standards.

How Advice Is Delivered

The advisory process is clear and methodical. It includes:

• Reviewing income, expenditure and existing commitments
• Assessing property type, ownership structure and investment strategy
• Explaining mortgage products and repayment methods
• Outlining lender criteria and associated costs
• Managing communication with lenders and relevant professionals

Clients are encouraged to ask questions so they can make informed decisions without unnecessary jargon.

Areas of Expertise

• Buy-to-Let Mortgages: Guidance for landlords purchasing or refinancing investment properties. Advice considers rental income, affordability calculations and lender criteria. Tax treatment depends on individual circumstances and may change.
• HMO Finance: Support for landlords acquiring or refinancing Houses in Multiple Occupation, subject to lender requirements and property licensing considerations.
• Limited Company Mortgages: Advice for investors purchasing through a special purpose vehicle or trading company structure, where appropriate and subject to underwriting.
• Bridging Finance: Short-term funding solutions for time-sensitive transactions such as property purchases, refurbishments or chain breaks. Bridging finance carries risks and requires clear exit planning.
• Protection and General Insurance: Advice on suitable protection arrangements to help safeguard income, property assets and financial commitments. Cover is recommended based on personal circumstances and needs.

Supporting Different Client Circumstances

Sibeesh works with:

• Portfolio landlords
• First-time investors
• Limited company directors
• Clients restructuring property holdings
• Individuals reviewing insurance and protection cover

Each case is assessed on its own merits. Approval is subject to lender underwriting and cannot be guaranteed.

Location and Availability

FCA-approved mortgage broker Sibeesh Sidharthan is based in Marylebone and supports clients across London and the surrounding areas. Advice can also be delivered remotely where appropriate.

• Paddington
• Fitzrovia
• St John’s Wood
• Maida Vale
• Regent’s Park
• Kensington

Speak to Sibeesh Sidharthan

If you need advice on buy-to-let, HMOs, bridging finance, or limited company mortgages, an initial discussion can clarify your options.

Mortgage and insurance advice should always be based on affordability, suitability and your long-term financial plans.