Business Details
37 Years
experience
Your Trusted Mortgage Advisers in Reading
Our highly qualified and experienced team has provided mortgage and protection advice since 1989. With over 40 years of combined expertise and associate membership of the Society for Mortgage Professionals, we prioritise impartial guidance tailored to individual needs. Evening appointments ensure accessibility while exclusive mortgage products unavailable on the high street demonstrate our market reach. Backed by 150+ five-star Google reviews, we maintain a single point of contact throughout the process to guarantee continuity of care.Our regulatory compliance through PRIMIS Mortgage Network and transparent fee structure reflect our commitment to ethical standards. Customer testimonials consistently highlight our knowledgeable team, efficient service delivery, and ability to secure competitive rates even in complex cases. This combination of experience, accreditation, and client-centric approach has sustained our reputation in Berkshire, North Hampshire, and South Oxfordshire for over three decades.
Services
Mortgage Advice
First Time Buyers
Remortgage Services
Buy to Let Mortgages
Adverse Credit Mortgages
Life Insurance
Critical Illness Cover
Income Protection
Landlord Insurance
Building Insurance
Details
- Year established: 1989
Highlights and features
- We offer 35+ years' experience advising on mortgages and protection
- Our team holds associate membership of the Society for Mortgage Professionals
- We provide exclusive mortgage products unavailable on the high street
- Our single point of contact ensures continuity throughout your application
- We guarantee transparent fee structures with no hidden charges
Associations and certifications
- Society for Mortgage Professionals (SMP)
What people say
Friendly, professional
Excellent service
Highly recommended
Knowledgeable team
Fantastic service
Services
Mortgage Advice
We provide comprehensive mortgage advice tailored to individual circumstances. Our FCA-regulated advisers access exclusive products unavailable through high street banks while maintaining transparent fee structures. With over 35 years' local experience, we support first-time buyers, home movers, and investors through every stage of the mortgage process.
Life Insurance
Our protection services include customised life insurance policies to safeguard families' financial futures. Advisers evaluate individual needs to recommend appropriate coverage levels while explaining policy terms clearly. We maintain partnerships with leading insurers to offer competitive rates and flexible coverage options.
Remortgage Services
We specialise in remortgaging solutions to help clients secure better rates or release equity. Our process includes market analysis, eligibility assessment, and negotiation with lenders. Case studies demonstrate our ability to reduce monthly payments even in volatile interest rate environments.
Critical Illness Cover
This protection policy provides financial security in case of serious illness diagnosis. Advisers explain policy inclusions, exclusions, and claim processes to ensure informed decisions. Coverage can be tailored to protect income or cover specific medical conditions based on individual risk profiles.
Buy to Let Mortgages
We offer specialist buy-to-let mortgage solutions for property investors. Our advisers understand landlord-specific requirements including portfolio management and tax-efficient structures. Access to exclusive products helps maximise rental returns while meeting stringent lender criteria for investment properties.
People
Craig Power
Director
Director with 20 years' experience in mortgage advisory services. Joined as trainee in 2003, became director in 2015. Specialises in complex remortgaging cases and lender negotiations. Holds professional qualifications in financial services.
Luke Spires
Mortgage Advisor
Mortgage adviser since 2015 with expertise in first-time buyer mortgages. Joined Village Financial Services in 2021. Provides support throughout the mortgage process while maintaining focus on customer education and transparency.
Michelle Helmore
Office Manager
Office manager with 15 years' experience supporting mortgage operations. Manages administrative processes and client database systems. Ensures smooth office operations since joining in 2008.
Lisa Brown
Para-planner
Para-planning specialist supporting mortgage advisers with research and documentation. Joined in 2015, providing back-office support for mortgage applications. Manages technical aspects of mortgage submissions and lender requirements.
Questions
What mortgage products do you offer that aren't available on the high street?
We access exclusive mortgage products through our industry partnerships that aren't available through major banks. These include specialist buy-to-let schemes, adverse credit mortgages, and niche first-time buyer products with preferential rates.
How do your mortgage fees work?
Our standard mortgage advice fee is £249. In complex cases requiring additional work, we may charge up to £551. We always confirm potential additional fees upfront before proceeding with any extra charges.
Can you help with remortgaging during volatile interest rate periods?
Yes, we specialise in remortgaging during challenging market conditions. Our advisers recently secured competitive rates for clients despite fluctuating interest rates, demonstrating our ability to navigate volatile markets effectively.
Do you provide protection advice alongside mortgages?
Yes, we offer integrated protection advice including life insurance, critical illness cover, and income protection. Our advisers ensure appropriate coverage levels to protect clients' mortgage commitments against unforeseen circumstances.
How do you maintain communication during the mortgage process?
We provide a single point of contact throughout your application. Advisers like Craig maintain regular communication, providing updates and addressing concerns at every stage of the mortgage journey.
Are evening appointments available for working clients?
Yes, we offer evening appointments to accommodate clients' schedules. This flexibility ensures all customers can access our mortgage advisory services regardless of daytime work commitments.
Reviews (4)
Kieran Townsend
Nov 29, 2021
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David and his team have been a huge help in securing a mortgage for us. The worked diligently and promptly in difficulties to get us a good deal and allow us to move in to our new home. From start to finish they have been very attentive to our needs and acted promptly for us. We are very grateful and would recommend Village Financial services to anyone.
Luke Wormstone
Nov 25, 2021
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We used Village Financial when trying to secure a mortgage to buy our first home. David was fantastic throughout, he was responsive and was happy to answer all of our questions no matter how small. The purchase process took longer than we'd hoped, but David kept in touch and was patient and considerate of our needs throughout. We would be happy to use their services again and would recommend them un-reservedly.
Matt Lambourne
Nov 21, 2021
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We first used village financial services back in 2009 when buying our first home. We had no idea what to expect but Dave and his team were extremely helpful and explained everything along the way. We have since remortgaged, and recently moved house using their services. The team are always professional and offer a number of options for us to meet our needs and we have always found that the savings they provide us significantly outweigh the cost.
Rajowana Islam
Nov 18, 2021
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I used Village Financial and Craig helped me secure my first mortgage. It has been an absolute pleasure to work with Craig. From the initial stage till the end, he made me feel as ease with the whole process; by keeping me up to date with all that was going on, making it very clear for me, and quick at responding. Thank you for helping me, without which I may have not gotten the property. I would not hesitate for a second to recommend Craig and the team. At the end of the process, he sent me a mortgage recommendation letter, which is nice to see how it is broken down with an explanation of the
