At any one time there may be hundreds of different mortgage options available, only some of which will meet your needs. While spending your lunchtimes and Saturdays walking from one bank or building society to another will normally get you a mortgage, a Mortgage Adviser may well be able to get you better terms. Jonathan Richards Financial Consultancy Ltd use powerful computer tools to sort through the whole range of mortgages available in the marketplace and identify the best ones for your current circumstances.

That done, we will also oversee the process of actually completing on the mortgage, ensuring that all the parties (lawyers, lender, yourself) have all the right documentation at the right time. This is an essential part of the service, as all too often communication breakdowns lead to otherwise unnecessary delays and complications, and our role is to ensure that everything progresses as smoothly as possible.

If you are just starting to look for property and are unsure as to how much you can borrow, or you want to know what sort of terms might be available then Jonathan Richards Financial Consultancy Ltdcan give guidance on this so that you don’t waste time pursuing unsuitable properties.

Home Purchase

Financing is the most important part in making your home purchase, knowing how much you can borrow, and what sort of mortgage deals are available to you. By understanding your circumstances and independently researching the whole of the mortgage market for you, we can help you make an informed decision in purchasing your home and stepping up the property ladder.


If you already have a mortgage, a re-mortgage might be the best way for you to save money. By re-mortgaging and cutting your mortgage rate, you can save on your monthly payments. 


A buy-to-let mortgage is a popular choice of mortgage for those who would like to seek a financial benefit from purchasing a property as an investment. We help you understand the financial implications of this type of mortgage arrangement and we can help you achieve your financial goals.

Note: Buy-to-Let mortgages are NOT regulated by the Financial Conduct Authority

Equity Release

Equity release is a means of retaining use of your house to provide capital, allowing you to gain a lump sum or a steady stream of income, using the value of the house.


There are many fees that you have to taken into account when arranging a mortgage. These include lenders booking or arrangement fees, valuation fees, and conveyancing fees. By speaking to us you can acquire the knowledge you need to make the right decisions.