0330 038 8941
Based in Snodland
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: April, 2018
5 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Sheena is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Sheena's status
Last checked: 20 March 2025
13
Recent Client Reviews
Sheena has received 13 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Independent Mortgage Adviser
Sheena can advise across a wide range of mortgage products in the market. It is important to ask if Sheena checks lenders’ direct-only deals.
Last checked: 02 April 2025
2
Qualifications Uploaded
Sheena has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
Transparent Fees
Sheena has not yet added their fees to their profile
Fees not yet added
Checks carried out by VouchedFor
FCA status: Certified by Firm
Sheena is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Sheena's status
Last checked: 20 March 2025
13
Recent Client Reviews
Sheena has received 13 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Independent Mortgage Adviser
Sheena can advise across a wide range of mortgage products in the market. It is important to ask if Sheena checks lenders’ direct-only deals.
Last checked: 02 April 2025
2
Qualifications Uploaded
Sheena has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
Transparent Fees
Sheena has not yet added their fees to their profile
Fees not yet added
I am Sheena Young, proprietor of Encore Mortgages. I have over 30 years experience as a financial advisor and now concentrate on my passion - mortgage broking. Based in Snodland, Kent I am happy to advise clients across Kent, Essex and London. I search the whole market and can access deals not available direct from High Street lenders. I also provide advice on financial protection and consider this as an equally important area when speaking to clients about their lending requirements.
Offers available through VouchedFor
Contact Sheena through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Sheena's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
Household income
Mortgage value
Savings
Clients' level of financial expertise
Review
by a verified client in London
12 days ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
First time buyer through mortgage
How has Sheena Young helped you?
Sheena’s expertise, responsiveness, and attention to detail made everything so much smoother and less stressful. She was always available to answer our questions and kept us well-informed at every stage, which gave us complete confidence in the process. Thanks to her efficiency and dedication, we were able to get everything over the line within six weeks, which was fantastic. We’re incredibly grateful for her help and wouldn’t hesitate to recommend her services to anyone looking for a reliable and knowledgeable mortgage broker.
Have you seen the outcome you were hoping for?
Yes!
What could they have done better?
Everything was done fantastically and timely.
Review
by a verified client in Essex
2 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Buying a new home
How has Sheena Young helped you?
Always available, calm, professional and within days of instructing her we had our mortgage offer
Have you seen the outcome you were hoping for?
More than expected can’t recommend Sheena enough for anyone looking for a mortgage you can’t get better than this lady.
What could they have done better?
Nothing
Review
by a verified client in Surrey
4 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
As first-time house buyers, we were in need of an experienced mortgage broker to help guide us through the process and ensure we got the best mortgage deal.
How has Sheena Young helped you?
Sheena was exceptional throughout the whole process. She provided clear, unbiased guidance from the first initial call to choosing the right mortgage product for our circumstances and home insurance. Her communication was brilliant; she always made herself available via email, phone and even WhatsApp. And while her knowledge of the industry was evident, she always made sure to explain complex terms in plain English so we could understand and make the best informed decision for us.
Have you seen the outcome you were hoping for?
Yes absolutely! It took just over three months from the offer being accepted to completing on the mortgage and we credit Sheena's brilliant work for making this possible.
What could they have done better?
Nothing! Sheena has been exceptional throughout the whole process.
Review
by a verified client in Surrey
5 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Sheena had originally helped us with our mortgage for our first property and we wished for further advice on mortgage protection and life insurance.
How has Sheena Young helped you?
She has helped us with the entire process, resulting in both a successful property purchase and now life insurance.
Have you seen the outcome you were hoping for?
Absolutely. We thoroughly recommend her.
What could they have done better?
Sheena was a joy to work with, professional, responsive, consistent and just the right level of perseverance (giving us space when needed when other priorities arise for us).
Review
by a verified client in Rutland
5 months ago
Overall
Advice
Service
Value
What were the circumstances that caused you to initially look for an adviser?
Property purchase for both Limited company and personal
How has Sheena Young helped you?
Sheena was incredibly helpful with looking for different products for us and offered us alot of options that we would not have found on the open market ourselves.
Have you seen the outcome you were hoping for?
The sale process was very long and sheena was always on hand to offer guidance.
What could they have done better?
N/A
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Adviser Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage’.