Business Details
23 Years
experience
Your Trusted Financial Advisers in Horsham
Established in 2003, LGM Insurance Services has built a reputation for delivering tailored financial solutions through a team of experienced professionals. Our partners bring decades of expertise from senior roles in major financial institutions, combining traditional face-to-face service with modern flexibility. We operate as independent brokers, unaffiliated with banks or estate agents, ensuring unbiased advice focused solely on client needs. Our services span mortgages, equity release, income protection, commercial finance, home insurance, and will writing, supported by a commitment to transparency and no hidden fees.We prioritise client convenience through home visits, evening appointments, and digital communication options. Our regulatory compliance and partnership with The On-Line Partnership Limited (FCA-authorised) reinforce our dedication to professional standards. With a focus on long-term relationships, we aim to provide comprehensive financial planning that evolves with clients' changing circumstances.
Services
Mortgages
Equity Release
Income Protection
Commercial Finance
Home Insurance
Wills
Details
- Year established: 2003
Highlights and features
- We offer independent mortgage and protection advice unaffiliated with banks
- Our team has over 40 years combined experience in financial services
- We provide home visits and evening appointments for client convenience
- Transparent fee structure with no hidden charges
- Access to exclusive market rates through our broker network
Associations and certifications
- Financial Conduct Authority
Services
Mortgages
We provide comprehensive mortgage solutions tailored to individual circumstances, including first-time buyer schemes, buy-to-let properties, and re-mortgaging options. Our whole-of-market approach accesses thousands of deals to find competitive rates. Clients benefit from expert guidance through the entire process, from initial application to completion, with transparent fee structures and no hidden charges.
Equity Release
Specialist equity release advice enables homeowners over 55 to access tax-free cash from property equity. We explain lifetime mortgage options with flexible repayment terms, including voluntary payment schemes. Our No Completion, No Fee policy ensures no upfront costs, while our market access secures exclusive rates unavailable to the general public.
Income Protection
Critical illness and life insurance policies provide financial security against unexpected circumstances. We help clients select appropriate coverage levels to protect mortgages and living expenses. Our independent status ensures unbiased recommendations across multiple providers, with clear explanations of policy terms, exclusions, and claim processes.
Commercial Finance
Expert commercial finance solutions address buy-to-let, development, and business property needs. We navigate complex lending criteria to secure practical financing options. Our market knowledge helps clients access competitive rates while maintaining compliance with regulatory requirements for commercial property transactions.
Home Insurance
We arrange comprehensive home insurance policies covering buildings, contents, and emergency repairs. Our independent broker status provides access to major insurers and specialist providers, ensuring tailored coverage at competitive prices. Policies include optional accidental damage protection and home emergency services.
People
Paul Overington
Partner
With over 40 years in financial services, Paul specialises in equity release and commercial finance. Former manager at major insurers, he co-founded LGM in 2003 to provide traditional face-to-face advisory services.
Richard Watts
Partner
Since 1984 in financial services, Richard focuses on residential mortgages and protection planning. His career includes roles at Royal London Insurance, bringing extensive experience in buy-to-let and re-mortgage solutions.
Jeff Dundas-Ure
Financial Planning Partner
Specialising in pensions and investments since 1988, Jeff provides expert retirement planning advice. His background includes senior management roles, bringing comprehensive knowledge of investment strategies and tax-efficient savings solutions.
Julie Hitchens
Associate Partner
With over a decade in financial services, Julie offers whole-of-market mortgage advice including first-time buyer schemes and buy-to-let investments. She specialises in creating personalised protection solutions aligned with clients' financial goals.
Questions
Are you regulated financial advisers?
Yes, we are an appointed representative of The On-Line Partnership Limited, authorised and regulated by the Financial Conduct Authority (FRN 192638).
Do you charge for initial mortgage advice?
No, our initial mortgage advice and quotes are free. We charge a £395 completion fee for mortgage arrangements and £500 for equity release services.
Can I get home visits for financial advice?
Yes, we offer home or workplace visits at your convenience, including evening appointments, as part of our traditional face-to-face advisory approach.
Do you offer online financial management options?
While we prioritise in-person consultations, we support modern communication methods including email, mobile text, and telephone discussions for your convenience.
What areas do you cover?
Based in Horsham, West Sussex, we serve clients across the South East region with both local knowledge and national market expertise.
Reviews (1)
Barnie Kensett
Nov 20, 2020
Report
We used Nick as our financial advisor. Absolutely fantastic, sorted our mortgage, contents and life insurance. Really helpful and informative. Got us the best deals for everything and really helpfully in making our first move as smooth as possible.
