Business Details
35 Years
experience
Your Trusted Mortgage & Financial Advisers in Chester
Established in 1991, we have built a reputation as trusted providers of straightforward, jargon-free financial advice. Our team of fully qualified, salaried advisers specialises in mortgages, protection, and finance solutions tailored to individual client needs. With access to the entire market, including lenders who work exclusively with qualified advisers, we deliver impartial guidance and dedicated support from initial enquiry to completion.Our commitment to professional development ensures our advisers remain at the forefront of industry expertise, while our free initial consultation and transparent fee structure prioritise client satisfaction. Over three decades, we have consistently focused on simplifying complex financial processes and building long-term relationships based on trust and reliability.
Services
First-Time Buyer Mortgages
Buy-to-Let Mortgages
Commercial Finance
Life Insurance
Bridging Loans
Equity Release
Self-Employed Mortgages
Semi-Commercial Mortgages
HMO Mortgages
Development Finance
Details
- Year established: 1991
Highlights and features
- We offer impartial advice from fully qualified, salaried advisers.
- Our team provides access to the entire mortgage and finance market.
- One dedicated adviser supports you from start to completion.
- Free initial consultation with transparent fee structures.
- Specialist solutions for complex borrowing and self-employed clients.
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Outstanding professionalism
Personalised solutions
Unwavering support
Industry-leading expertise
Transparent processes
Services
First-Time Buyer Mortgages
Tailored mortgage solutions for first-time buyers navigating the property ladder. Our advisers simplify the process with competitive deals, transparent guidance, and support for securing deposits and government schemes. With access to specialist lenders, we address unique challenges faced by new buyers, ensuring confidence and clarity throughout the journey.
Buy-to-Let Mortgages
Comprehensive support for landlords seeking buy-to-let mortgages. We offer access to HMO, limited company, and specialist deals with lenders who cater exclusively to property investors. Our team provides strategic advice on maximising returns, managing portfolios, and navigating regulatory requirements for residential and commercial buy-to-let properties.
Commercial Finance
Flexible financing solutions for businesses from start-ups to established enterprises. Services include bridging loans, development finance, and commercial mortgages tailored to expansion, asset acquisition, or cash flow needs. We connect clients with lenders offering competitive rates and structures suited to diverse business models and growth strategies.
Life Insurance
Customisable life insurance policies designed to safeguard families and financial commitments. Our protection specialists assess individual needs to recommend term life, critical illness cover, or income protection plans. Policies are structured to align with mortgage obligations, family circumstances, and long-term financial security goals.
Bridging Loans
Rapid-access bridging loans for property transactions requiring immediate funding. Ideal for auction purchases, chain breaks, or development projects, these loans provide flexible terms secured against residential or commercial assets. Our advisers streamline the application process with lenders specialising in swift completions.
People
Kam Lotay
Mortgage Adviser
Over ten years of experience working with the Ingard network, delivering expert mortgage solutions and prioritising broker needs with personalised support and industry-leading professionalism.
Steve Mccarthy
Director
Leverages Ingard's comprehensive support to focus on business growth, benefiting from their exceptional resources and commitment to adviser success in the mortgage sector.
Ray Eldridge
Director
Receives ongoing mentorship and training from Ingard, enabling confident delivery of mortgage advice supported by expert guidance and industry-specific tools.
Questions
What mortgage options are available for first-time buyers?
We offer competitive first-time buyer mortgages with support for deposits, government schemes, and tailored advice to simplify the home-buying process.
Do you provide buy-to-let mortgage solutions?
Yes, we specialise in buy-to-let mortgages, including HMOs, limited company structures, and portfolio management for landlords.
How much do your mortgage advisory services cost?
Our fees start at £500 or up to 1% of the loan amount, with a free initial consultation to discuss your specific needs.
Can self-employed individuals secure mortgages through Ingard?
Yes, we specialise in self-employed mortgages, addressing complex income verification to secure competitive deals for diverse financial situations.
What areas do you serve?
While based in Chester, we provide services nationwide through our network of qualified advisers and digital support tools.
