Business Details
Independent Mortgage Brokers in South Wales
Beacham's Elite Mortgages is a family-run business providing professional mortgage and protection advice. Our qualified team prioritises building strong client relationships through tailored guidance based on individual circumstances. We operate as a whole-of-market broker, offering access to products from all high street and sub-prime lenders. Our completion fee model ensures clients only pay upon successful mortgage or insurance completion, with all prior advice provided free of charge.With expertise in first-time buyer schemes, buy-to-let investments, equity release, and commercial mortgages, we deliver comprehensive solutions regulated by the Financial Conduct Authority. Our evening and weekend appointments accommodate busy schedules, while our commitment to transparency ensures no hidden fees or obligations.
Services
Mortgages
Protection
First-time Buyers
Buy-to-Let
Equity Release
Commercial Mortgages
Highlights and features
- We offer independent advice across the entire financial market
- Completion price service with no upfront costs
- Experienced team holding CeMAP and CeRER professional qualifications
- Personalised service tailored to individual client circumstances
- Regulated by the Financial Conduct Authority for consumer protection
Associations and certifications
- Financial Conduct Authority
What people say
Personalised service
Expert guidance
Flexible appointments
Competitive rates
Clear explanations
Services
Mortgages
We provide access to the entire mortgage market, including high street and sub-prime lenders. Our independent advisers help clients find competitive rates for residential, buy-to-let, and commercial properties. With expertise in first-time buyer schemes and remortgaging strategies, we offer tailored solutions to reduce monthly payments or release equity.
Protection
Our protection services include life assurance, income protection, and serious illness cover. We help clients secure financial safety nets for dependants through tax-efficient solutions. The team advises on policies that cover mortgage obligations, medical costs, and inheritance tax planning while ensuring compliance with FCA regulations.
Equity Release
We facilitate equity release mortgages allowing homeowners to access cash tied in property. This service caters to clients seeking funds for home improvements, debt consolidation, or retirement planning. We assess eligibility based on property value, age, and individual circumstances while explaining associated risks and benefits.
Commercial Mortgages
Our commercial mortgage service helps businesses acquire premises or release equity from existing properties. We connect clients with lenders offering competitive terms for various commercial ventures. The team provides guidance on loan structures suitable for different business models and investment strategies.
First-time Buyers
We specialise in guiding first-time buyers through the mortgage process. Our advisers explain deposit requirements, stamp duty implications, and available government schemes. We simplify complex mortgage terminology and help clients understand affordability assessments while connecting them with suitable lenders.
People
Matthew Beacham
Company Director
Matthew holds CeMAP and CeRER professional qualifications. With extensive mortgage industry experience, he oversees strategic direction while maintaining hands-on client advisory roles. His expertise spans complex mortgage products and regulatory compliance.
Sarah Beacham
Senior Office Administrator
Sarah manages operational processes ensuring smooth client journeys. She coordinates appointments, maintains regulatory documentation, and supports advisers with administrative tasks. Her organisational skills contribute to the company's efficient service delivery.
Questions
What mortgage types do you offer?
We provide residential, buy-to-let, commercial, equity release, and first-time buyer mortgages from across the market.
Are your services regulated?
Yes, we're regulated by the Financial Conduct Authority (FCA) under reference 610492.
Do you charge for initial consultations?
No, all advice up to mortgage completion is provided free with no obligation to proceed.
How do your fees work?
We charge a completion fee only when your mortgage or insurance product successfully completes.
Can you help with protection products?
Yes, we offer life assurance, income protection, serious illness cover, and private health insurance.
What areas do you cover?
We primarily serve clients across South Wales with flexible appointment locations.
