Concise Financial Solutions

Business Details

12 Years

experience

Independent Mortgage Advisors in Lincoln

Concise Financial Solutions, established in Lincoln in 2014, provides independent mortgage and protection advice across the UK. Our expertise spans residential and buy-to-let mortgages, equity release, and insurance solutions, supported by a strategic partnership with Stonebridge Mortgage Solutions Ltd. We offer whole-of-market access to thousands of products, including exclusive deals unavailable on the high street. Our team of qualified advisers, including Tom Jackson and Barry Gray, combines decades of experience with a client-centric approach, ensuring tailored advice and transparent communication.

We prioritise long-term relationships, offering free initial consultations and fixed fees agreed upfront. Our commitment to excellence is reflected in our Financial Conduct Authority authorisation and numerous client testimonials praising our professionalism and stress-free service delivery.

Services

First Time Buyers Moving Home Remortgage Buy To Let Help To Buy Equity Release Life Cover Critical Illness Income Protection Landlords Insurance

Details

Year established: 2014

Highlights and features

We are completely independent of any lender and access 1,000s of mortgage products
We offer flexible advice options tailored to your preferred communication method
Our team includes qualified advisers with decades of combined industry experience
We provide transparent fee structures agreed upfront with no hidden costs
We maintain long-term client relationships through ongoing mortgage reviews

Associations and certifications

Financial Conduct Authority

What people say

Excellent service Professional and reassuring Fantastic advice Stress-free process Knowledgeable team

Website

Update Listing

Services

Mortgage Advice

Our mortgage advisory service provides comprehensive guidance across residential, buy-to-let, and equity release products. We conduct detailed financial reviews to identify suitable solutions, leveraging access to exclusive market deals. Our FCA-authorised advisers offer ongoing support from initial consultation through to completion, ensuring clients receive tailored recommendations that match their specific circumstances and long-term financial goals.

Protection Planning

We offer bespoke protection solutions including life cover, critical illness, and income protection policies. Our advisers assess individual needs to recommend appropriate coverage levels that safeguard clients' financial security. Policies are sourced from leading providers to ensure competitive pricing and comprehensive protection against unforeseen circumstances affecting personal or family finances.

Equity Release

Our equity release specialists help clients access tax-free cash from their property while maintaining residency. We explain lifetime mortgage options and home reversion plans, ensuring clients understand implications for inheritance and means-tested benefits. The service includes detailed affordability assessments and comparisons across multiple providers to secure optimal terms.

First Time Buyers

We support first-time buyers through a structured 10-step process covering affordability assessments, mortgage product selection, and application management. Our advisers explain Help to Buy schemes and government incentives while coordinating with solicitors to streamline the purchasing journey from initial consultation to property completion.

Remortgage

Our remortgaging service identifies opportunities to reduce payments through competitive product transfers or refinancing. We analyse existing mortgage terms against current market offerings, considering exit fees and new product benefits. The process includes detailed comparisons and application management to ensure seamless transitions without compromising client financial objectives.

People

Tom Jackson

Financial Adviser

With over 20 years' experience, Tom holds DipPFS and CII qualifications. He established Concise Financial Solutions in 2014 after working at Thompson & Richardson Financial Services. Specialises in property finance solutions and equity release products.

Barry Gray

Financial Adviser

Certified mortgage and protection adviser with 12 years at Pygott & Crone Financial Services. Joined Concise in 2015, specialising in residential mortgages and pure protection products. Holds CII certifications in mortgage and equity release advice.

Sue Howsam

Administrator

Former Barclays Bank assistant branch manager with 23 years' customer service experience. Manages client communications and coordinates with lenders, estate agents, and solicitors to ensure smooth transaction processes for all mortgage and insurance cases.

Lisa Jackson

Administrator

Brings extensive management experience from nursery education sector. Handles operational support for mortgage applications and insurance policies, leveraging organisational skills to maintain efficient client service processes and documentation management.

Questions

What mortgage products do you offer?

We provide access to 1,000s of mortgage products across the whole market, including exclusive deals unavailable on the high street. Our range covers residential, buy-to-let, remortgage, Help to Buy, and equity release options.

Are your mortgage fees transparent?

Yes, we agree all fees upfront with no hidden costs. Our mortgage arrangement fee doesn't exceed £495, and we offer free initial consultations with no obligation to proceed.

How do you differ from high street banks?

As independent advisers, we're not tied to specific lenders. Our whole-of-market access allows unbiased recommendations based on your circumstances rather than product sales targets.

Can you help first-time buyers?

Yes, we offer a structured 10-step support service for first-time buyers, explaining Help to Buy schemes and coordinating with solicitors to simplify the purchase process from start to completion.

Do you offer protection services?

We provide life cover, critical illness, and income protection policies tailored to individual needs, sourced from leading insurance providers to ensure comprehensive financial security solutions.

Reviews (6)

Write a Review

Gethyn Evans

Nov 14, 2020 Report

From the first moment my partner and I approached Tom to assist with the purchase of our first home, we knew we were in safe hands. As the business name suggests, Tom's approach is "concise" but also paced well for first time buyers like ourselves who were unfamiliar with the process. Throughout the process Tom was easy to communicate with and responded promptly to emails and calls. We really could not recommend Concise Financial Solutions more. Thank you for all your help!

George Moore

Sep 24, 2020 Report

Everyone at Concise has been so helpful. Tim especially, he has helped from beginning to end with everything calls and emails out of office hours. If you want mortgage advise go to Concise for it to be handled with care and in-depth knowledge. Tom is an absolute star when it comes to handling business, I will recommend to family & friends.

Michael Saphier

Dec 19, 2018 Report

A gold star service. I cant recommend them enough. Everybody at Concise are very professional, friendly, patient and keep you informed throughout the whole mortgage process. They made everything so easy and simple. Barry dealt with our remortgage and I cant thank him enough he provided an excellent service, a true professional.

Laura

Dec 13, 2018 Report

I would highly recommend Barry at Concise, he got us the mortgage we wanted and was with us every step of the way nothing was too much trouble.

Phil

Nov 12, 2018 Report

Absolute gold standard service from everyone at Concise. Professional, very approachable and extremely efficient keeping in regular contact every step of the way. I write this sat in our new home thanks to all the hard work put in by Tom and the others at Concise, I honestly haven't got a bad word to say.
Faultless, keep up the good work!

Glyn Morgan

Jun 04, 2018 Report

Thanks for the great Service. We had a complicated process with needing to re-mortgage, but we knew we wanted to move so needed to have a mortgage we could exit with out penalises. Barry made sure or the mortgage was a flexible mortgage. 1 year later we did move and changed our mortgage with no Penalties, plus Barry sorted out the new Mortgage for our property. I could not fault the work Barry did for us. See you in four and half years time when its time to re-morgage again!