Business Details
21 Years
experience
Your Trusted Mortgage Broker in Rugby
Established in 2005, LPR Mortgage Services has been providing impartial mortgage advice in Rugby for over 18 years. With a combined industry experience dating back to 1986, our team specialises in guiding first-time buyers, home movers, and re-mortgagers through the complexities of the mortgage market. Our deep local knowledge of Rugby and surrounding areas, coupled with access to exclusive mortgage rates and the Help to Buy scheme, enables us to deliver tailored solutions that meet individual financial circumstances. We prioritise face-to-face consultations supported by modern technology, ensuring clients receive comprehensive advice while maintaining personal relationships.Our transparent fee structure of 498 (with clear breakdown) and commitment to explaining all options demonstrate our dedication to client education and informed decision-making. As an Appointed Representative of Stonebridge Mortgage Solutions Ltd, regulated by the Financial Conduct Authority, we uphold the highest professional standards while maintaining flexibility to serve diverse client needs.
Services
Mortgage Advice
Protection Services
Home Insurance
Help to Buy Schemes
Remortgaging
Details
- Year established: 2005
Highlights and features
- We offer 30+ years combined mortgage industry experience with local Rugby expertise
- We provide exclusive access to Help to Buy mortgage schemes in Rugby
- Our transparent fee structure clearly outlines 299 application and 199 completion charges
- We maintain face-to-face relationships supported by modern mortgage technology
- We operate as FCA-regulated mortgage professionals with proven client outcomes
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Fantastic service
Stress-free process
Highly recommend
Expertise and knowledge
Trustworthy and honest
Services
Mortgage Advice
Our mortgage advisory service provides comprehensive guidance through the entire mortgage process. We assess individual financial situations, offer access to exclusive rates, and explain all available options. With local Rugby expertise and whole-of-market access, we help clients secure competitive mortgages tailored to their specific needs and circumstances.
Protection Services
We offer tailored financial protection solutions including life assurance, critical illness cover, and income protection. These services help safeguard clients' financial security against unforeseen circumstances. Our expert advice ensures appropriate coverage levels that align with mortgage commitments and personal circumstances, providing peace of mind for clients and their families.
Home Insurance
Our home insurance advisory service covers both buildings and contents insurance. We explain the importance of protecting property investments and help clients select appropriate coverage. We provide clear explanations of policy terms, ensuring clients understand their coverage for structural elements, fixtures, and personal belongings against various risks.
Help to Buy Schemes
We specialise in government-backed Help to Buy schemes for new build properties. Our local Rugby expertise helps clients navigate eligibility requirements and application processes. We provide guidance on equity loans, repayment structures, and long-term implications, ensuring clients make informed decisions about this important financial commitment.
Remortgaging
Our remortgaging service helps clients review existing mortgage arrangements to find better deals. We assess current market rates, explain potential savings, and manage the transition process. With expertise in early repayment charges and new mortgage terms, we help clients optimise their mortgage arrangements while minimising financial risks.
People
Lloyd Richards
Mortgage Adviser
With mortgage advisory experience since 1997 and financial industry expertise since 1986, Lloyd provides personalised mortgage solutions. His local Rugby knowledge and commitment to face-to-face service ensure clients receive tailored advice that meets their property goals.
Questions
What mortgage services do you offer?
We provide full mortgage advisory services including first-time buyer assistance, re-mortgaging, Help to Buy schemes, and property protection insurance tailored to individual financial circumstances.
Do you provide impartial mortgage advice?
Yes, we offer whole-of-market mortgage advice with access to exclusive rates, ensuring unbiased recommendations that match clients' specific needs and financial situations.
What areas do you serve?
We primarily serve Rugby and surrounding Warwickshire areas, with extensive local knowledge of property markets and development opportunities in Houlton and Stratford-upon-Avon.
How are your fees structured?
Our transparent fee structure includes £299 on application and £199 on completion (total £498), with clear explanations of all lender commissions and additional costs.
Can you help with Help to Buy schemes?
Yes, we specialise in Help to Buy schemes with local Rugby expertise, assisting numerous clients in securing new build properties through these government-backed initiatives.
Reviews (1)
Andrew Donovan
Oct 20, 2020
Report
I cannot recommend Lloyd highly enough. A fantastic service. A few other mortgage brokers had promised they could assist but failed to deliver. Lloyds breadth of knowledge and willingness to get stuck in really separate his services from the rest. If we hadnt found Lloyd I dont think we could have purchased our family home. A real pleasure to work with also.
