South RowSouth RowPrivate FinanceGet advice
Experienced mortgage advisory

Private finance,
considered.

South Row Private Finance helps professionals, business owners, self-employed clients and property investors secure the right mortgage or finance solution with clear, experienced advice.

We advise on residential mortgages, buy-to-let and more complex, bespoke property finance across the UK. Whether straightforward or more involved, our role is to understand the circumstances, structure the right route and manage the process from start to finish.

Request a confidential introductionHow we work
20+ years
Mortgage & property finance
90+
lenders and private banks
Direct
Your adviser, not a call centre
Bespoke
Structured individually
The South Row Difference

Straightforward or complex. The approach is the same.

Some clients come to us for a simple residential mortgage. Others need help with self-employed income, multiple properties, time-sensitive deals or a lender that can look beyond a standard application. We handle both with the same care.

  • Experienced guidance

    You deal directly with an adviser who understands how lending works in practice, not a call centre or a generic online process.

  • Clear thinking

    We take the time to understand your income, objectives, timings and constraints before recommending a way forward.

  • Broader lender access

    We work across high-street, specialist and private banking lenders, helping us consider the most appropriate funding route for your circumstances.

  • Personal service

    You have one point of contact from the first conversation through to offer and completion.

What we do

A single relationship for every kind of borrowing.

Request a confidential introduction

Residential Mortgages

View

Self-Employed & Complex Income

View

Buy-to-Let & Portfolio Lending

View

High Value Property Finance

View
Protecting what you're building

Protection for the things that matter.

A mortgage is one of the largest financial commitments you'll make. We can also help ensure the people and assets that depend on it are properly protected.

  • Life Insurance

    Protect your family and mortgage should the unexpected happen.

  • Critical Illness Cover

    Financial protection if a serious illness affects your ability to earn.

  • Income Protection

    Help protect your income if illness or injury prevents you from working.

Discuss your protection needs

As with all insurance policies, conditions and exclusions will apply.

Approach

Three steps.
Quiet from start to finish.

Many of our clients come through trusted introductions and professional connections, while others find us directly. However you come to South Row, you'll receive the same considered, personal approach from the outset.

  1. 01 Introduction

    A short, confidential call. We listen first — to the deal, the timeline and the constraints that don't appear on paper.

  2. 02 Strategy

    We map the market — private banks, high‑street, specialists — and present two or three structured options, with the trade‑offs in plain English.

  3. 03 Execution

    We project‑manage to completion: lender, valuer, solicitor and accountant. You stay informed; we handle the noise.

The team

A personal approach to private finance.

Shah Nizami, Founder & CEO

Shah Nizami

Founder & CEO

I have spent more than 20 years working in mortgage and property finance, advising professionals, business owners, property investors and clients whose circumstances often need a more thoughtful approach.

Over that time, I have learned that good mortgage advice is not just about finding a lender. It is about understanding the full picture, asking the right questions early, and guiding clients clearly through what can often be a high-pressure process.

South Row was created to offer that kind of service directly: experienced, personal advice with a strong focus on clarity, discretion and doing things properly.

FAQ

Straight answers.

A handful of the questions we're most often asked.

Ask a partner

  • The initial consultation is free, with no obligation to proceed.

    There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £499. We'll explain any applicable fee clearly at the outset, before you decide whether to proceed.

  • We provide whole-of-market mortgage advice and work with a broad panel of high-street, specialist and private banking lenders across the UK.

  • Yes. Many of our clients are business owners, company directors, contractors, LLP partners or people whose income is not straightforward on paper.

  • Absolutely. While we are experienced in more complex cases, we also advise on standard residential purchases, remortgages and buy-to-let borrowing.

  • No. An initial conversation with us does not leave a credit footprint. We will explain clearly if and when any lender credit search becomes relevant.

  • Timescales depend on the lender, the case, and how quickly documents are available. In some cases, a decision in principle can be arranged very quickly, while full mortgage offers can take longer depending on complexity.

  • A decline from one lender does not always mean the case cannot proceed. Different lenders assess affordability, income and risk in different ways, and we can often identify a more suitable route.

  • Commercial mortgages are arranged by introduction only.

Let's talk about your plans

Let's start with the
right conversation.

Whether your plans are straightforward or more complex, an initial discussion is often enough to understand whether we can help and what the next step should be.

  • Direct contact with an experienced adviser
  • No credit footprint at this stage
  • Handled in strict confidence
01 Your requirements—02 Your circumstances—03 Your details

What brings you to South Row?

Prefer to message?

Start a conversation directly with South Row.

WhatsApp South Row
Just In Time Policy