Business Details
Trusted Mortgage Advisers in Worthing
At Nepcote Financial, we pride ourselves on delivering tailored mortgage advice through a family-run business model that prioritises client satisfaction. Established to provide accessible, high-quality financial solutions, our team of fully qualified advisers leverages extensive industry experience to navigate the complexities of the mortgage market on your behalf. We work with both major and niche lenders to secure exclusive rates, ensuring clients access competitive products suited to their unique circumstances.Our approach combines technical expertise with a commitment to transparency, offering regular progress updates and personalised support throughout the application process. With a strong reputation built on repeat clients and referrals, we maintain rigorous compliance standards while fostering a culture of continuous improvement. Our administration team ensures seamless communication and efficient resolution of queries, reflecting our dedication to making home buying or remortgaging as straightforward as possible.
Services
Mortgages
Protection Insurance
General Insurance
Equity Release
Buy-to-Let
Highlights and features
- We offer personalised mortgage solutions tailored to your unique needs
- Our advisers hold full qualifications in mortgage and protection services
- We provide access to exclusive mortgage deals unavailable on the high street
- We maintain transparent fee structures with clear tariff disclosures
- Our team delivers ongoing support through every stage of the application process
What people say
Excellent service
Highly recommended
Professional and friendly
Stress-free process
Exceptional support
Services
Mortgages
We specialise in residential and buy-to-let mortgage solutions, offering access to exclusive deals through major and niche lenders. Our qualified advisers help clients navigate fixed, tracker, and flexible rate options while ensuring transparent fee structures. With expertise in complex cases like shared ownership and adverse credit scenarios, we provide tailored advice for first-time buyers and experienced property investors alike.
Equity Release
Our equity release specialists help homeowners over 55 access tax-free cash from their property value. We explain lifetime mortgage options and their inheritance implications while negotiating competitive rates. The service includes comprehensive assessments of how released funds might affect welfare benefits and tax positions, ensuring clients make fully informed decisions about their later-life financial planning.
Protection Insurance
We provide life assurance, critical illness cover, and income protection solutions tailored to individual circumstances. Our advisers help clients understand policy terms and coverage limitations while creating protection packages that safeguard families and businesses. The service includes reviewing existing policies and recommending adjustments to match evolving life circumstances and financial commitments.
General Insurance
We offer referral services for buildings and contents insurance with 5* Defacto rated providers. Our advice covers standard home insurance, buy-to-let policies, and additional protections like legal assistance. We help clients understand policy inclusions and exclusions while ensuring appropriate coverage levels for both residential and investment properties.
People
Mark Baker
Director
Fully qualified mortgage and protection adviser with expertise in residential and buy-to-let transactions. Specialises in complex mortgage cases and client-focused financial solutions.
Mandy Baker
Director
Office manager and mortgage adviser ensuring regulatory compliance and quality control. Provides expert guidance on property transactions and protection insurance.
Paul Green
Mortgage Adviser
Qualified adviser specialising in property transactions and associated protection products. Offers expert guidance on residential and buy-to-let mortgage solutions.
Georgina Daltrey
Financial Advisor
Specialist mortgage adviser with expertise in first-time buyer solutions and complex remortgage cases. Recognised for exceptional client communication and support.
Questions
What mortgage types do you specialise in?
We specialise in residential, buy-to-let, fixed-rate, tracker, and equity release mortgages. Our advisers also handle complex cases like shared ownership and adverse credit situations.
How do your mortgage fees work?
Standard mortgages over £100,000 attract no fee. Properties under £100,000 have a £495 fee. Equity release cases cost £695, with payments split between application and completion stages.
Do you offer protection insurance advice?
Yes, we provide guidance on life assurance, critical illness cover, and income protection policies. Our advisers help clients select appropriate coverage levels and policy terms.
Can you help with complex mortgage cases?
Our team specialises in complex cases including adverse credit, debt consolidation, and buy-to-let portfolios. We negotiate with lenders to find solutions for challenging situations.
How do you support first-time buyers?
We provide tailored guidance through every stage, explaining mortgage options and protection needs. Our advisers offer clear explanations of processes and requirements specific to first-time purchases.
Reviews (4)
Anna Currey
Feb 05, 2021
Report
5th time I have used Nepcote Financial for my mortgages and I can honestly say I will never go anywhere else they are simply fantastic! Thanks Georgina your are amazing.
Lee Dugan
Jan 06, 2020
Report
Used Nepcote Financial this year for financial advice and assistance to locate the correct mortgage for me, I can't speak highly enough of them. Mark dealt with the matter for me and was always on hand to answer all of my questions and to arrange the right mortgage. I can't fault the service that was provided and would highly recommend them and will of course use them for future financial matters.
Oscar Newell
Jan 05, 2020
Report
Great company full of knowledge, once again another great service which runs smoothly every time. Thanks
Jamie Ritchie-Butler
Dec 04, 2019
Report
Absolutely superb service from Mark, Mandy and the team at Nepcote. Always answered queries promptly and made re-mortgaging a stress free process! Highly recommended.
