Find out who we are and what we do

Be it your first home, moving to a new home or investing in a buy-to-let property or Holiday Let property, personally or through a Limited Company. We will guide you through the intricacies of the entire mortgage and purchase process.
We also assist with the rest of the process; we help by monitoring your case with the solicitors and guiding you through the full home buying and re-mortgage process. We pride ourselves on offering an end to end service.

We will also give you advice on the most suitable Protection solutions based on your current circumstances and future plans.

Our values of Integrity and Ethics are at the heart of everything we do. We value the long term relationships we have built with our Clients. We like to get to know our Clients and understand their future plans and goals. So, we can give tailored advice specifically based on your unique mortgage and protection requirements.

Our offices in East Kent are centrally located to the beautiful city of Canterbury, Ashford, Faversham, Whitstable and Herne Bay area.
To suit your convenience we can provide advice over the phone, video call and come to see you in person.

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

  • Shihara Mohamed CeMAP - Director / Mortgage and Protection Advisor

    Shihara is the Director and Principal Mortgage Advisor for Happy Mortgages Ltd. Shihara has extensive experience in providing Mortgage and Protection advice to her Clients. She has a range of experience dealing with Residential Mortgages for first time buyers and homeowners with their house purchases, re-mortgages, capital raising, further advances and other mortgage requirements. She also has a wide range of experience in Buy-to-Let Mortgages including Limited Company buy to lets, HMO and Holiday Lets. Shihara is a qualified Mortgage and Protection Advisor.

    Shihara has over 18 years of experience working in the corporate sector. She has previously worked in the B2B sector in large corporations in business areas covering FMCG, Scientific Equipment and Technology. This experience has helped her develop a wealth of skills in managing suppliers, multiple stakeholders, and fulfilment of individual and project managed solutions for her Clients.


Company address: Happy Mortgages Ltd, Suite 10, No. 1, Waterham Business Park, Highstreet Road, Faversham, Kent, ME13 9EJ

T: 0203 0111 545 E:


Registered address: C/O Wis Accountancy Ltd, 4, Imperial Place, Maxwell Road, Borehamwood, England, WD6 1JN

Happy Mortgages Ltd is is registered in England and Wales, No: 11501510.

Happy Mortgages Ltd is an appointed representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority.

The guidance and/or information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Approver Quilter Mortgage Planning Limited 11/04/2024