Stephen Byfield

Stephen Byfield

Just Mortgages Direct Limited

Minimum mortgage: Any amount

0330 038 8939
Based in Wigan
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Top Rated 2026
Verified since: June, 2024

5 out of 5

73 reviews


Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 28 January 2026

    Stephen is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Stephen's status

  • 23

    Recent Client Reviews

    Verified reviews: 100%

    Stephen has received 23 client reviews in the past 12 months; 100% of these have been verified

  • Independent Mortgage Adviser

    Last checked: 15 January 2026

    Stephen can advise across a wide range of mortgage products in the market. It is important to ask if Stephen checks lenders’ direct-only deals.

  • Qualifications Uploaded

    Qualifications not yet added

    Stephen has not yet added their qualifications to their profile

  • Transparent Fees

    Fees not yet added

    Stephen has not yet added their fees to their profile

  • 6

    Positive First Impressions

    100% of users who are not yet clients had a positive first experience with Stephen

    100% of VouchedFor users have had a positive (4 or 5 star) first experience with Stephen (based on 6 first impressions)

After enjoying a successful 20-year career in the financial services industry, including a decade as a qualified mortgage advisor, I took the leap to start my took the leap to go self-employed three years ago. My goal was to create a better work-life balance and offer a more personalized service to clients navigating the often stressful process of securing a mortgage. I am delighted to have accumulated over 100 5-star reviews, verified through Google, showcasing the satisfaction of my customers. https://goo.gl/maps/rg7bkXUmW9ZuS9NS8 Renowned for my friendly and knowledgeable approach, I am known as a bit of a cheeky chappy in the industry. Clients appreciate my exceptional organizational skills, boundless energy, and proactive nature in liaising with lenders, estate agents, and solicitors. I take pride in going above and beyond for every client, working flexible hours to accommodate their needs and delivering a top-notch 5-star service. My world revolves around my nine-year-old daughter, Sophie, whose presence inspired me to pursue a self-employed path for better work-life integration. I also find immense joy in my pets - two dogs named Duke and Penny, as well as two cats named Floyd and Jimmy. And let's not forget my unwavering support for Queen’s Park Rangers! SGB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD. Registered in England No: 2412345.