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)
Please provide a brief comment about your experience with Lloyd
Lloyd gave me clear information and a good understanding of what offers were available to me, the current market, what may or may not happen in future etc, so I could get a bit of an overview. Lloyd was friendly and professional and made things easy to understand. Lloyd has not applied any pressure to take up his service and has allowed me time and space to look at my options and reflect.
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?
Moving house
How has Lloyd Richards helped you?
Mortgage advice
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Honestly? Nothing. Lloyd has been great throughout the whole process.
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
I have been impressed by Lloyd's professionalism and honesty. He gives best advice and is extremely knowledgeable in the Mortgage arena. I highly recommended his services . Articulate, efficient and thoroughly pleasant to deal with.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Always concise
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Lloyd is currently helping us get the house of our dreams and we couldn’t have done it without him. Such a caring and kind man.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Friendly, clear and straight to the point about what was possible and what I needed to do to benefit from the process.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Legend
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
A great mix of professionalism and friendly personality. Understood oir situation and explianed everything clearly.
First impression from a user who is not yet a 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 informative. The service he's provided has been great. The process has gone very smoothly and I’m very happy with the information and help he has given. He was able to explain in detail processes that I previously didn’t understand that I had been informed of by other advisors. Very great help.
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?
Our fixed term on our mortgage was coming to an end.
How has Lloyd Richards helped you?
We have been customers of Lloyd for many years now, he helped us right from our first mortgage 18 years ago.
Have you seen the outcome you were hoping for?
Yes
Review from verified client
Reviewed on 2024-09-30 10:26:34
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Lloyd Richards
Adviser contact details
07568 091968
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