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
0
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
No reviews yet - be the first to review this adviser or company
The following reviews are independent and not verified by Vetted Adviser.
Reviews from other sources
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
New mortgage.
How has Lloyd Richards helped you?
Got the mortgage for our dream house.
Have you seen the outcome you were hoping for?
Yes, very happy.
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?
I was very busy and needed help finding the right deal.
How has Lloyd Richards helped you?
Lloyd did all the background research and follow ups.
Have you seen the outcome you were hoping for?
Yes, great result.
What could they have done better?
I would have liked a breakdown of the mortgage details in plain english
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?
I needed a competitive mortgage rate to purchase my home.
How has Lloyd Richards helped you?
Lloyd was lightning fast! He'd found me a very competitive rate in a matter of hours, provided all the necessary information over email and answered all my questions. What else can you ask for?!.
Have you seen the outcome you were hoping for?
Yes absolutely. The mortgage is now setup and I am paying the agreed amount.
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?
Online search.
How has Lloyd Richards helped you?
Very professional and accurate guidance.
Very quick communication.
Have you seen the outcome you were hoping for?
Beyond expectations.
Review from verified client
Reviewed on 2024-09-30 10:26:35
Mortgage Services
Overall score (4)
What were the circumstances that caused you to initially look for an adviser?
Partner is self employed and not paid in GBP.
How has Lloyd Richards helped you?
Helped to find the best mortgage product for our circumstances.
Have you seen the outcome you were hoping for?
Yes we have seen the outcome.
What could they have done better?
Can't really think of anything. No issues at all.
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 were looking for mortgage advice
How has Lloyd Richards helped you?
Lloyd was very proactive responding to my initial email within a couple of hours. Booked a slot with him and went through our circumstances to which he gave us some good advice on how to proceed. We have been in contact several times and he is always quick to respond with the information that we need.
Have you seen the outcome you were hoping for?
We are still working through it but are very happy with the service he has provided so far.
Review from verified client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
Divorce
How has Lloyd Richards helped you?
Lloyd has provided me with the information required.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
No.
Review from verified client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (4)
Please provide a brief comment about your experience with Lloyd
he answered all my questions and gave us a lot to think about, very patient and clear
Ihave not seen his profile before so I am not sure about that question
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
When my partner and I decided to start looking at properties, to save us some stress as first time buyers, we decided to look for a financial advisor to guide us through the process.
How has Lloyd Richards helped you?
Lloyd has helped us to secure an agreement in principle from a lender and has helped with any queries we have around purchasing our first home.
Have you seen the outcome you were hoping for?
Yes.
Review from verified client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Very helpful and considerate.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:34
No media uploaded.
No media uploaded.
Lloyd Richards
Adviser contact details
07568 091968
Cookie settings
We use cookies and similar technologies to help personalize content and offer a better experience. You
can opt to customize them by clicking the preferences button.
Click here to view the privacy
policy.
