Business Details
Trusted Mortgage Brokers in Lincoln
Andrew Harrod Financial Services has been providing expert mortgage advice in Lincolnshire and beyond for over three decades. As a fully qualified and FCA-regulated mortgage broker, we specialise in whole-of-market advice, ensuring clients access the most suitable mortgage products tailored to their unique circumstances. Our director, Andrew Harrod, brings extensive industry experience from both national lending and independent advisory roles, combining deep technical knowledge with a client-centric approach.We prioritise transparency in all dealings, offering clear explanations of mortgage types, associated costs, and protection options while maintaining annual industry certifications to ensure up-to-date expertise. Our commitment to financial education is demonstrated through free resources like the 'A Helping Hand with Owning Your Home' guide, while our fee structure remains competitively transparent with upfront disclosure of all charges.
Services
First Time Buyer Mortgages
Home Mover Mortgages
Buy To Let Mortgages
Remortgaging
Protection Insurance
Highlights and features
- 30+ years of mortgage industry experience
- Whole-of-market mortgage advice available
- FCA regulated for consumer protection
- Transparent fee structure with upfront disclosure
- Free property purchase guidance resources
Associations and certifications
- Financial Conduct Authority
What people say
Stress-free process
Professional and helpful
Exceptional support
Transparent advice
Knowledgeable assistance
Services
First Time Buyer Mortgages
Specialist mortgage solutions for first-time property purchasers. We guide clients through deposit requirements, available schemes, and budget planning while accessing daily updated mortgage deals. Our service includes comprehensive market analysis to identify optimal repayment or interest-only options. Clients receive detailed cost breakdowns including stamp duty, valuation fees, and associated purchase expenses.
Home Mover Mortgages
Tailored financing for property chain transactions. We assess borrowing capacity, evaluate current mortgage terms, and identify competitive deals while coordinating with estate agents and solicitors. Our service includes remortgage comparison analysis and assistance with purchase price negotiations. Clients benefit from our expertise in managing simultaneous sale and purchase timelines.
Buy To Let Mortgages
Specialist financing for rental property investments. We explain unique requirements including higher deposit thresholds, rental income assessments, and interest rate considerations. Our advice covers tax implications, portfolio structuring, and regulatory compliance. Clients receive detailed cashflow analysis incorporating potential void periods and maintenance costs.
Remortgaging
Expert guidance for mortgage term restructuring or rate switching. We analyse existing terms, calculate potential savings, and compare new market offers while considering early repayment charges. Our service includes equity release options and debt consolidation assessments. Clients receive comprehensive cost-benefit analyses for all viable refinancing solutions.
Protection Insurance
Risk management products for mortgage security. We offer life insurance, critical illness cover, and income protection policies tailored to mortgage requirements. Our advice includes government support schemes and property insurance considerations. Clients receive comparative analyses of coverage options and premium structures.
People
Andrew Harrod
Director
With over 30 years in mortgage advisory, Andrew Harrod established his independent practice after managing national lending operations. A qualified CeMAP and FPC professional, he specialises in whole-of-market mortgage solutions while maintaining annual industry certifications. His local knowledge spans Lincolnshire's property market, combining technical expertise with practical budgeting guidance for homebuyers.
Questions
What mortgage types do you offer?
We provide first-time buyer, home mover, buy-to-let, and remortgaging solutions alongside protection insurance products.
Are your fees transparent?
Yes, we disclose all charges upfront including application fees (from £145) and percentage-based fees (0.3%-1% of loan amount).
How do you find the best mortgage deals?
Our daily updated system searches thousands of products across all lenders to match your specific circumstances.
What additional costs should I consider?
We provide comprehensive cost planners covering stamp duty, valuation fees, legal charges, and moving expenses.
Are you regulated by the FCA?
Yes, we operate as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority.
Do you offer protection insurance?
We provide life insurance, critical illness cover, and income protection policies tailored to mortgage requirements.
Reviews (4)
Jonathon Goldson
Aug 27, 2021
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This is the second mortgage I have arranged with Andrew and as before it was a simple and joyous process, his professionalism is seconded only by his easy going good nature! I have spent the last twenty years dealing with finance companies as part of my job and so I am very aware of the pitfalls and potential problems so can heartily recommend Andrews services to anyone regardless of their needs, he will definitely do everything possible to get you the best deal.
Gemma Snart
Jul 03, 2021
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Myself and Partner worked with Andrew whilst buying our first home. He has been absolutely fantastic in every way. Always ensuring we are updated or if we needed any help or questions, he has been there every step of the way. I cannot thank him enough and will most definitely be working him in the future. We wouldnt have been able to do this process without him, hes just been amazing and so good at what he does!
Aiste
Jul 03, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Fantastic service from Andy, always kept in touch throughout the whole process and was very reassuring! Nothing was ever to silly to ask him, would 100% use and recommend again, Thankyou!
Fantastic service from Andy, always kept in touch throughout the whole process and was very reassuring! Nothing was ever to silly to ask him, would 100% use and recommend again, Thankyou!
Gail Barnes
May 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Andy was incredibly friendly and helpful. Any question I had was answered very promptly.
Andy took the pain and mystery out of the home buying process, and was very friendly and approachable. I wouldn't use anyone else!
Andy was incredibly friendly and helpful. Any question I had was answered very promptly.
Andy took the pain and mystery out of the home buying process, and was very friendly and approachable. I wouldn't use anyone else!
