Your local mortgage advisorin Kent
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Please click on link to read my client reviews
https://www.vouchedfor.co.uk/mortgage-advisor/snodland/030285-sheena-young
About Encore Mortgages
Personal Mortgage Review
- Carry out a Personal Mortgage Review
- Explain all the mortgage schemes to you, including the repayment methods and costs involved
- Research the whole of the market
- Recommend a total mortgage solution to protect you, your home and your family
- Provide you with a detailed report of why the mortgage and protection solutions best suit your needs and requirements
- Complete all necessary documentation and manage your application through to completion
- Keep you updated and fully informed throughout the entire mortgage process
Financial Protection
Financial Protection for Every Stage of Life
Financial protection isn’t just for people taking out a mortgage — it’s something everyone should have in place. Whether you’re employed, self‑employed, renting or already a homeowner, your lifestyle and your loved ones rely
on one thing: your income.
If illness, injury or an unexpected event stopped that income, the impact can be immediate and overwhelming.
That’s why life insurance, critical illness cover and income protection are so important. These aren’t “nice‑to‑have” extras — they’re the foundations that keep everything else standing.
Life Insurance:
Financial security for the people you care about if the worst happens.
Critical Illness Cover:
A lump sum to support you if you’re diagnosed with a serious condition, helping you focus on recovery rather than bills.
Income Protection:
A regular income if you’re unable to work due to illness or injury, giving you stability when life takes an unexpected turn.
For self‑employed clients, protection is absolutely essential. There’s no employer sick pay, no death‑in‑service benefit and no built‑in safety net. And even for employed clients, workplace benefits are often far more limited than people realise — many rely solely on statutory sick pay, which doesn’t go far.
Putting the right cover in place means you’re protected no matter what life throws at you. It’s about safeguarding your home, your family, your business and your future — with advice that’s personal, clear and tailored to your situation.
If you’d like to explore your options, I’m here to help you find the cover that fits your life.
Testimonial:
What were the circumstances that caused you to initially look for an adviser?
We moved out of London and needed to get a new mortgage. A friend recommended Sheena and so we contacted her.
How has Sheena Young helped you?
She has been amazing, she is so thorough and fair and looked at all the possibilities for us.
Have you seen the outcome you were hoping for?
We are totally satisfied with the deals that Sheena has secured for us through the years and would not hesitate to recommend Sheena.
What could they have done better?
I think Sheena just needs to keep doing what she is, she is a proficient and knowledgeable adviser
September, 2026
