Business Details
Trusted Mortgage and Insurance Advisors in London
Home Counties Mortgage Protection & Finance has established itself as a trusted provider of mortgage and insurance advisory services across London and the Home Counties. Our FCA-regulated team combines extensive market knowledge with cutting-edge technology to deliver tailored solutions for first-time buyers, home movers, landlords, and those seeking competitive remortgage options. With a commitment to acting solely in our clients' interests, we leverage our access to both high-street and intermediary-only lenders to secure optimal mortgage products. Our expertise extends to protective insurance solutions, ensuring clients maintain financial stability through life's uncertainties. As an authorised financial services provider (FCA No: 587081), we maintain rigorous compliance standards while prioritising transparent communication and ethical advice.Our brokers' deep understanding of evolving mortgage markets enables us to navigate complex lending criteria and deliver time-saving, cost-effective outcomes. We specialise in bridging finance, development finance, and buy-to-let mortgages, including corporate and holiday let arrangements. Our service model focuses on long-term client relationships, with periodic reviews to ensure continued suitability of financial products. Operating from our Enfield office, we serve clients nationwide while maintaining personal service standards. Our fee structure is transparent, with maximum broker fees capped at 1.75% of loan amounts, communicated clearly at the earliest opportunity.
Services
First Time Buyer Mortgages
Buy to Let Financing
Bridging Finance
Development Finance
Life Assurance
Critical Illness Cover
Income Protection
Mortgage Reviews
Home Insurance
Corporate Buy to Let
Highlights and features
- FCA-regulated mortgage advisory services ensuring compliance and consumer protection
- Access to the entire mortgage market including intermediary-only lenders
- Specialist expertise in buy-to-let, bridging finance, and development mortgages
- Transparent fee structure with maximum broker fees capped at 1.75% of loan amounts
- Personalised insurance solutions tailored to individual financial circumstances
Associations and certifications
- Financial Conduct Authority
Services
First Time Buyer Mortgages
Specialised mortgage solutions for first-time property purchasers. Our FCA-regulated brokers help navigate the mortgage application process, access competitive lending rates, and secure optimal financing arrangements. We provide comprehensive guidance on government schemes, deposit requirements, and affordability assessments.
Buy to Let Financing
Tailored mortgage products for property investors. We offer expert advice on portfolio management, corporate buy-to-let structures, and holiday let financing. Our services include tax-efficient mortgage arrangements and access to specialist lenders catering to property investors.
Bridging Finance
Flexible short-term financing solutions for property transactions. Our bridging loan expertise covers both closed and open bridging arrangements, with access to lenders offering competitive rates for property purchases and developments.
Life Assurance
Comprehensive life insurance policies to protect mortgage obligations. We provide tailored solutions that ensure financial security for dependants, covering mortgage repayments and other financial commitments in the event of death.
Mortgage Reviews
Regular assessments of existing mortgage arrangements. Our review process evaluates remortgaging opportunities, interest rate changes, and financial circumstances to ensure continued mortgage suitability and cost-effectiveness.
Questions
Are you regulated by the Financial Conduct Authority?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA No: 587081).
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, buy-to-let financing, bridging finance, and development mortgages.
Do you charge broker fees?
Yes, we charge a maximum broker fee of 1.75% of the loan amount, communicated clearly at the earliest opportunity.
What insurance products do you offer?
We provide life assurance, critical illness cover, income protection, and home contents insurance solutions.
How do you protect client data?
We comply with GDPR regulations, using secure systems and limited access to protect personal and financial information.
Can you help with mortgage affordability assessments?
Yes, we conduct comprehensive affordability assessments to ensure mortgage products match clients' financial circumstances.
