About our senior staff

Michael Hird

Owner, Consultant and Problem Solver 

From a background of building engineering, project management, development and Certification, Michael then mixed his sector knowledge and engaged with Property Finance. Having been a Senior Development Engineer and Executive Structural Engineer within manufacturing and contracting, he was also able to develop key strength and knowledge of business finance.
His quantitative and qualitative knowledge and experience of financial solutions was built upon and has contributed to, significant insight and support for SME’s, Business Owners, Sole Traders, Landlords, Freelancers…. and their families.
A seasoned specialist in business and property finance, with a twist of Independence, he deals with alternative and less well-known, as well as major player finance providers.
Michael has served as both Regional Chair and member of CIOB Professional Practice Board, been a platform speaker at the London Stock Exchange on Data Security within Financial Services, and has worked with the BBC and Radio 4 on finance and mortgage related topics.



Doesn’t like wasting money


Doesn’t like wasting time



Time allowance

`Risk comes with not knowing what you’re doing’ – Warren Buffet

Innovative Ideas

`Great things in business are never done by one person. They are done by a team of people’ – Steve Jobs


` Plan, Strategy, Review’ – Step-Up Finance


Clear Communication

`The question isn’t who is going to let me, it’s who is going to stop me’ – Ayn Rand

Recent Blog Posts

Recent thoughts and opinions from Step-Up Finance’s leadership team

Pocket Money For Yourself

Liquidity and profitability are critical to a lender and, as I’ve said many times before, for someone looking at their money the same objective applies. So, with residential mortgages the most significant asset on a lenders’ balance sheet what happens when that...

You Probably Already Know This

As you probably already know, the pandemic altered many things. Pre COVID-19, solid property investment was sought out by investors and people have always wanted to own their own home. Then, pandemic measures brought about working from home and investor property...

How Would You Handle Out Of Control In Control

Is it better to fix your mortgage at 0.98% over five years, or, as this latest high street re-mortgage hook requires a 40% deposit (or equity build-up) along with £1,499 fee, would a 0.91% over two years be a better offering? Or could 0.90% be the tempting number? If...

Contact us at any time

Get in touch with us whenever you like and we will respond to you as soon as possible