A specialist in mortgage and protection advice. Lloyd has been offering an impartial and professional advisory service for nearly 30 years.
With no ties to any banks or building societies, Lloyd works exclusively for his clients to help them achieve their mortgage goals.
From first time buyers to professional landlords.
From remortgage clients to those more complex cases, Lloyd inspires trust and confidence.
“The most important person in my business, is the client”
Lloyd Richards
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5, Vickers Court, Stratford Upon Avon, CV37 5AN
Educated at Rugby School and with a deep love of theatre, Lloyd has been working in the finance industry since 1988.
He describes himself as:
“ A Shakespearean actor trapped inside the body of a mortgage adviser.”
With warmth and humour, Lloyd looks to create lifelong working relationships with all his clients.
Music and poetry are his passions, having recorded an EP of his own songs ( he might even send you a link to them if you are lucky )
Lloyd takes the mystery out of mortgages and treats every single person with empathy and respect.
If you need mortgage advice, you need to speak to Lloyd
Services
Exclusive Rates
Access to the whole of the mortgage market, plus exclusive broker rates and products.
PropertyRemortgage
Checked on
17.09.2024
First Time Buyers
Access to the whole of the mortgage market plus exclusive first time buyer deals.
PropertyFirst Time Buyers
Checked on
17.09.2024
Buy To Let
Access to the whole of the mortgage market, plus exclusive rates and products.
Buy to Lets
Buy to Lets for LTD companies
Buy to Lets for HMO's
PropertyBuy to Lets Including Ltd Company
Checked on
17.09.2024
Whole Of Market Mortgage Advice
Access to the whole of the mortgage market plus exclusive rates and products
PropertyMoving House
Checked on
13.09.2024
Mortgage Protection
Access to an exclusive set of insurance providers.
Income Protection
Critical Illness Cover
Life Assurance
Providing specialist advice tailored to the individual needs of the client
PropertyMortgage Protection
Checked on
17.09.2024
Accreditations
Cert PFS
Checked on
13.09.2024
Member Of The Personal Finance Society
London Institute of Banking & Finance
Checked on
13.09.2024
Certificate In Mortgage Advice & Practice
CeMAP
Financial Planning Certificate
Checked on
13.09.2024
Chartered Insurance Institute
Financial Planning certificate
Financial Planning Certificate ( Paper 3 )
Checked on
13.09.2024
Chartered Insurance Institute
Financial Planning Certificate ( 3 )
Financial Planning Certificate ( Paper 2 )
Checked on
13.09.2024
Chartered Insurance Institute
Financial Planning Certificate ( 2 )
Financial Planning Certificate ( Paper 1 )
Checked on
13.09.2024
Chartered Insurance Institute
Financial Planning certificate ( 1 )
Fundamentals Of Equity Release
Checked on
13.09.2024
Certificate In Regulated Equity Release
Equity Release Solutions
Checked on
13.09.2024
Certificate In Regulated Equity Release
FCA
Checked on
13.09.2024
Financial Conduct Authority
Awards
Certificate Of Excellence
Vouched For Certiciate of Excellence
Top Rated Adviser
Vouched For Top rated Adviser
Insurances
Professional Indemnity
PII verified on 13.09.2024
PII is covered as part of a member network
Stonebridge
Verified Reviews
Latest Reviews
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The following reviews are independent and not verified by Vetted Adviser.
Reviews from other sources
Mortgage Services
Overall score (4)
What were the circumstances that caused you to initially look for an adviser?
End of fixed term mortgage.
How has Lloyd Richards helped you?
He arranged a remortgage.
Have you seen the outcome you were hoping for?
Yes.
Review from verified client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
Moving home.
How has Lloyd Richards helped you?
Lloyd made the whole process of obtaining a mortgage so quick and easy for us - from our initial conversation to completion! Even when our first purchase fell through and we had time against us, Lloyd went over and above to get our new mortgage offer in a matter of days. I would highly recommend him.
Have you seen the outcome you were hoping for?
Most definitely!.
What could they have done better?
Nothing - happy with the timing of communication and requests for info
Review from verified client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
We needed a new mortgage and Lloyd was recommended by my sister.
How has Lloyd Richards helped you?
He was incredibly quick to respond and find us an appropriate mortgage. He answered every question we had promptly and simply.
Have you seen the outcome you were hoping for?
Yes - we have a new mortgage.
What could they have done better?
The only thing I'd say is to remember to reply all in emails where two partners are involved.
Review from verified client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (1)
Please provide a brief comment about your experience with Lloyd
Lloyd did not get in contact with me...
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
I needed help gaining a mortgage that was a little more complex and not straight forward.
How has Lloyd Richards helped you?
Lloyd was very friendly and patient and listened to all aspects of our situation. He was regularly in touch throughout he entire process, keeping me informed and not getting fed up with all my questions.
Have you seen the outcome you were hoping for?
My mortgage was completed and offered and Lloyd made the whole process very simple and straight forward.
What could they have done better?
Nothing - he was fab!
Review from verified client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Superb communication throughout our contact with Lloyd.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
Remortgaging my house to pay off equity loan.
How has Lloyd Richards helped you?
Arranged everything , excellent service!!.
Have you seen the outcome you were hoping for?
Yes , above and beyond.
What could they have done better?
Nothing
Review from verified client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Thought he was great... definitely considering using him.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
Property purchase.
How has Lloyd Richards helped you?
Mortgage brokering, financial advice, house buying advice, instructing solicitors, referrals.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
N/a
Review from verified client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
Lloyd was very helpful with his advice with our remortgage -.
How has Lloyd Richards helped you?
we also reviewed our life policy and got this sorted through him without much difficulty. We did our communication via email and telephone and this was all fine - always responded quick. I will keep his number for the future.
Have you seen the outcome you were hoping for?
Yes everything great.
What could they have done better?
Nothing all was good.
Review from verified client
Reviewed on 2024-09-30 10:26:35
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Lloyd Richards
Adviser contact details
07568 091968
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