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

The Year Of Compromise

I’m writing this at the start of the year. I usually look back at the exciting things that have been happening, but this last year has been on a whole new level. In a world that seemed almost on fire the UK saw two Monarchs, a selection of Prime Ministers, a...

Thinking Twice Is A Good First Step

Change without choice can be frightening. A recent example of the potential to emotionally charged resistance meeting change is from the sudden death of Queen Elizabeth II and the ascension of King Charles III. Transition requires careful management to which, in this...

Mortgage Juice

Mortgage Juice One: The base ingredients for mortgage affordability. Lenders’ loan mandates are dependent on market conditions, written with specific adjustments for risk and, notwithstanding base money-market costs, risk adjustment affects pricing of the mortgage...

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