Business Details
5 Years
experience
Expert Financial Solutions for Advisers and Clients
Founded in 2021, Cornerstone Finance has rapidly emerged as a dynamic force in UK financial services, combining industry expertise with innovative solutions. Our Directly Authorised model empowers mortgage and protection advisers with genuine independence while providing robust support through advanced technology and specialist resources. With a nationwide reach rooted in Welsh heritage, we deliver tailored financial products including residential and commercial mortgages, bridging finance, equity release, and protection solutions. Our team of seasoned professionals brings decades of combined experience across banking, compliance, and financial planning, ensuring clients receive expert guidance aligned with evolving market demands.Committed to ethical standards and community impact, we maintain memberships with NACFB, IPFA, and ERC while supporting initiatives like the Motor Neurone Disease Association. Through strategic partnerships and a client-centric approach, we enable advisers to build successful businesses and help individuals and enterprises achieve long-term financial stability.
Services
Residential Mortgages
Commercial Property Finance
Bridging Finance
Protection Advisers
Equity Release
Details
- Year established: 2021
Highlights and features
- FCA-authorised financial solutions with ethical standards
- Nationwide reach with Welsh-based expertise
- Specialist teams in mortgages and commercial finance
- Innovative technology for adviser independence
- Community-focused approach with charity partnerships
Associations and certifications
- Financial Conduct Authority
- NACFB
- IPFA
- ERC
What people say
Expertise in complex cases
Tailored funding solutions
Strong client relationships
Industry-leading knowledge
Responsive advisers
Services
Residential Mortgages
We provide comprehensive residential mortgage solutions tailored to individual needs, including first-time purchases, remortgaging, and buy-to-let properties. Our advisers access whole-of-market lenders to secure competitive rates while offering expert guidance through every stage. With specialist knowledge in complex cases like ex-pat mortgages and short leases, we ensure clients achieve homeownership goals with confidence.
Commercial Property Finance
Our commercial finance team delivers tailored funding for property purchases, developments, and investments. Services include owner-occupier mortgages, portfolio financing, and management buyouts. With expertise in complex structures and relationships with specialist lenders, we support businesses from SMEs to large corporations in securing optimal financing solutions for growth and stability.
Bridging Finance
Cornerstone Capital offers specialist bridging loans for property developers and investors requiring fast, flexible funding. Our unregulated and regulated products support property acquisitions, renovations, and time-sensitive opportunities. With streamlined processes and nationwide coverage, we enable clients to bridge financial gaps while maintaining long-term investment strategies.
Protection Advisers
We provide comprehensive protection solutions including life insurance, critical illness cover, and income protection. Our advisers assess individual circumstances to recommend policies that safeguard financial security for families and businesses. With access to multiple providers, we ensure clients receive tailored coverage that adapts to evolving life stages and professional needs.
Equity Release
Our equity release specialists help homeowners access tax-free cash from property value while maintaining residency. Services include lifetime mortgages and home reversion plans, with careful consideration of inheritance implications. We prioritise transparent advice to ensure clients understand long-term impacts while achieving financial flexibility in retirement.
People
Haydn Thomas
Chief Executive Officer
With over 25 years in financial services, Haydn leads Cornerstone's strategic growth. Formerly at NatWest/RBS, he builds strong client relationships and high-performing teams while overseeing The Cornerstone Network's expansion supporting 250 advisers.
Kevin Morgan
Managing Director, Cornerstone Commercial Finance
Bringing 34 years of commercial finance experience from NatWest, Kevin specialises in business lending and entrepreneurship support. He focuses on creating growth cultures while leveraging his extensive industry knowledge to develop commercial finance solutions.
Steve Davey
Protection Adviser
A specialist in income protection and mortgage advice, Steve advocates for prioritising financial security. With deep knowledge of risk management, he educates advisers on safeguarding clients' financial futures through comprehensive protection strategies.
Martyn Lamb
Director of Performance and Transformation
Martyn leads technology and process innovation with 17 years in banking transformation. His expertise in continuous improvement drives digital advancements while maintaining a focus on customer-centric operating models that enhance service delivery.
Ian Pottle
Head of Complex Funding
With 43 years at NatWest and specialist expertise in commercial lending, Ian manages complex funding deals including mergers, acquisitions, and stressed business support. His experience navigating financial crises informs strategic lending decisions for challenging cases.
Questions
How can advisers benefit from joining The Cornerstone Network?
Advisers gain FCA-authorised independence with access to advanced technology, whole-of-market products, and specialist support in mortgages and protection services.
What areas of finance do you specialise in?
We specialise in residential and commercial mortgages, bridging finance, equity release, protection products, and complex funding solutions for businesses.
How do you support clients with challenging mortgage cases?
Our experts handle complex scenarios like ex-pat mortgages, short leases, and high ground rent through specialist lender partnerships and tailored structuring solutions.
What protection services do you offer?
We provide life insurance, critical illness cover, income protection, and specialist protection products tailored to individual and business needs.
How do you contribute to community initiatives?
We actively support charities like the Motor Neurone Disease Association through fundraising events and maintain ethical standards through industry memberships.
Reviews (3)
Daniella Brock
Oct 31, 2019
Report
Martin William's I have been dealing with, if I could give more than 5 stars I would. I had s difficult time with doing the papers and he helped give me time to sort myself out before completing them! I would definitely recommend this finance company! Amazing team!!!
John Matti
Jun 12, 2019
Report
Took a policy out for life insurance with Martin Williams at cornerstone finance, an easy friendly professional service, they went above and beyond to ensure that my plan was suitable for my family to safeguard them when I am gone. The price they quoted me was so much cheaper than anywhere else I have looked and seen in the market. And massive thank you for all the help and suport and understanding and answering all my questions. I would 100% recommend.
Gemma Roberts
May 29, 2019
Report
I have been searching for life insurance for the last few months . Contacting various banks and companies . Not really sure what I was looking for or what I needed . Quotes given to me didnt seem that good And the payout for my children was low compared to the monthly cost . After seeing a post on Facebook recommending these guys services I contacted them . The very same day , they found me the perfect insurance at a unbelievable price . Amazing service , quick and professional . He knew exactly what I wanted from a brief telephone call and has found me the perfect insurance for my children
