Business Details
7 Years
experience
Your Trusted Mortgage Broker in Bingley
At Discovery Financial, we specialise in simplifying the complexities of home financing and protection, placing our clients at the heart of every decision. With a dedicated focus on mortgages and insurance, we offer tailored solutions for first-time buyers, home movers, landlords, and those seeking to remortgage. Our expertise extends to advising on fixed and variable-rate mortgages, buy-to-let portfolios, and remortgaging strategies to reduce costs or release equity. We pride ourselves on delivering a personal service, guiding clients through every stage of the mortgage process with transparency and clarity. Our team works closely with a wide panel of lenders and protection providers to ensure competitive rates for life insurance, critical illness cover, and income protection.Established in 2019, our directors bring over a decade of industry experience, combining corporate best practices with a client-first philosophy. We prioritise long-term relationships, supporting clients from initial consultation through to successful completion, while maintaining compliance with Financial Conduct Authority regulations. Our tailored approach ensures that each client receives solutions aligned with their unique financial goals and circumstances.
Services
Fixed Rate Mortgages
Variable-Rate Mortgages
First Time Buyers
Remortgage
Home Movers
Buy To Let
Life Insurance
Critical Illness Cover
Income Protection
Family Income Benefit
Details
- Year established: 2019
Highlights and features
- We offer over 10 years of combined experience in mortgage brokering and financial advisory.
- Our tailored approach ensures solutions match individual client needs and financial goals.
- We provide support throughout the entire mortgage process, from initial consultation to completion.
- We work with a wide panel of lenders and protection providers for competitive rates.
- Our directors combine corporate expertise with a personal, client-first service philosophy.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Fixed Rate Mortgages
Fixed-rate mortgages provide predictable monthly payments by locking in interest rates for a set period. This service suits clients seeking financial stability and protection against rate fluctuations. Discovery Financial offers competitive fixed-rate options tailored to individual borrowing needs and long-term goals.
Life Insurance
Life insurance policies pay a lump sum to beneficiaries upon the policyholder's death. We provide term and mortgage-linked life cover to protect dependants, settle debts, or fund future expenses like education. Policies are customised to ensure adequate financial security for loved ones.
Critical Illness Cover
Critical illness cover offers a payout upon diagnosis of specified serious conditions. This service helps clients manage mortgage payments, medical costs, or lifestyle adjustments during recovery. We offer comprehensive plans covering major illnesses and tailored support services.
Income Protection
Income protection replaces a portion of earnings if illness or injury prevents work. This service ensures ongoing bill payments and financial stability during prolonged absences. We design policies aligned with clients' occupations and employer sick-pay provisions.
Buy To Let Mortgages
Buy-to-let mortgages finance rental property acquisitions. We advise landlords on competitive rates, portfolio refinancing, and equity release strategies. Our services cater to both novice investors and experienced property owners seeking growth opportunities.
People
Ben Sugden
Director and Financial Consultant
Ben Sugden, a CeMAP-qualified director, has over a decade of experience in financial services. He founded Discovery Financial in 2019 after working with Santander and corporate broker firms. Ben focuses on client-centric mortgage solutions and financial planning.
Jenni Whitaker
Director and Will Writer
Jenni Whitaker co-founded Discovery Financial in 2019. She manages daily operations and client relations while offering will-writing services through Prestige Legal Services. Her background includes administrative roles at Yorkshire Building Society and financial services support.
Questions
What mortgage options are available for first-time buyers?
We offer fixed and variable-rate mortgages tailored to first-time buyers, including government-backed schemes. Our advisors help clients understand deposit requirements, affordability, and long-term repayment strategies.
How can remortgaging save me money?
Remortgaging can reduce interest rates, consolidate debts, or release equity. We analyse your current deal to identify savings opportunities and guide you through the process seamlessly.
What insurance products do you recommend with mortgages?
We advise on life insurance, critical illness cover, and income protection to safeguard against financial risks. These products ensure mortgage payments continue during unforeseen circumstances.
Do you offer remote mortgage advisory services?
Yes, we provide face-to-face and remote consultations via phone or video calls, ensuring flexible access to mortgage advice across the UK.
How are mortgage advice fees determined?
Our fees depend on individual circumstances and are discussed upfront. We ensure transparency, with no hidden costs for mortgage advice or insurance services.
Reviews (7)
O. D. Carroll
Nov 03, 2021
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As a first time buyer you naturally have a lot of questions. Ben and his team made the purchase of my first home seamless from start to finish. Knowledge at Discovery is top class, I concluded my purchase feeling well educated in the business of property acquisition. I could not be more thankful for the service we received. Thank you to Ben and the team at Discovery Financial Ltd.
Ben Horn
Oct 09, 2020
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Positive:Professionalism
Honestly couldn't recommend these enough, so helpful especially with me being a first time buyer and not having a clue what I was doing
Honestly couldn't recommend these enough, so helpful especially with me being a first time buyer and not having a clue what I was doing
Sam Watson
Jul 08, 2020
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I cannot recommend Discovery Financial enough! I went through Ben and the team to remortage my house a little over a year ago and after looking at the market Discovery Financial found me a fantastic deal with a leading bank which was not on offer on the High Street. I have since found my dream home and again called on Ben for his help with a great mortgage deal, however this time he also guided me through the full buying process helping with every and any hurdle along the way! He recommend a fantastic solicitors and also advised on the process of renting out my old property. The service you will
Christian Carroll
Jun 26, 2020
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Would highly recommend the services of Discovery Financial as we have just re-done
Are life Insurance and it was so quick and easy and hasslefree all over the phone left it up to Ben. Definitely definitely in safe hands with Dicovery Financial as always . Definitely wont be going anywhere else from now on
Are life Insurance and it was so quick and easy and hasslefree all over the phone left it up to Ben. Definitely definitely in safe hands with Dicovery Financial as always . Definitely wont be going anywhere else from now on
Jay Ali
Nov 05, 2019
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Amazing service, buying a house getting a mortgage is so stressful Ben, was very understanding and helpful throughout gave me the complete bespoke service very highly recommend him
T. Hudson
Oct 03, 2019
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Amazing!!! Ben is brilliant he is behind you all the way and always to hand if you have any concerns putting you at ease every time, down to earth and approachable. we had a roller coaster of a ride with our property and even though it did not go to plan Ben was completely understanding. HIGHLY recommend, finally someone who is there for YOU and not just for them selves.
Jack Kilduff
Aug 21, 2019
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Ben made my experience of buying a house completely stress free, he explained anything I didnt quite understand and was always there if I needed him for anything. Overall I couldn't recommend him enough.
