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 (5)
What were the circumstances that caused you to initially look for an adviser?
Purchase a new property and existing mortgage a buy to let
How has Lloyd Richards helped you?
Sorted both out
Have you seen the outcome you were hoping for?
Yes he was very helpful
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?
House move
How has Lloyd Richards helped you?
Lloyd has always been so helpful, straightforward and honest. I wouldn't use anyone else!
Have you seen the outcome you were hoping for?
Yes, I now own my own home and my children and I have our forever home :-)
What could they have done better?
I don't think there is anything. Lloyd always replied very promptly to emails etc.
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?
I didn't want the stress or hassle of wondering whether I was getting the best deal
How has Lloyd Richards helped you?
Lloyd makes things easy to understand, speaks in a manner I can understand and simplifies the process
Have you seen the outcome you were hoping for?
Yes absolutely
What could they have done better?
Nothing could have been done better
Review from verified client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (5)
How has Lloyd Richards helped you since your last review?
Timely prompts for re-mortgaging were very helpful, and Lloyd is very prompt and flexible in setting up times for discussions.
Repeat 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?
We were looking for a mortgage as first time buyers.
How has Lloyd Richards helped you?
Lloyd gave us advice on the process of the mortgage as well as clarifying any topics that we were concerned about.
Have you seen the outcome you were hoping for?
Yes, we have just completed on our first home.
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?
Mortgage
How has Lloyd Richards helped you?
Sorted it from start to finish with Excellent service.
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)
How has Lloyd Richards helped you since your last review?
He has helped us review & renew where needed to ensure we are in the best financial position possible.
Repeat review from verified client
Reviewed on 2024-09-30 10:26:34
Mortgage Services
Overall score (1)
Please provide a brief comment about your experience with Lloyd
Emailed and arranged a call at a set time which was confirmed, no call or contact of any sort to rearrange. Annoyed as it was explained that this was to happen in a lunch break so sat waiting for call instead of taking lunch. Very unprofessional
Lloyd's reply
Oops, my mistake. I had tomorrow down as the date and time for the phone appointment. My mistake entirely. So sorry......I can call you now??
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?
We were looking to remortgage and wanted advice and help in this process.
How has Lloyd Richards helped you?
Lloyd provided us with a number of recommendations after assessing our circumstances and then guided us through the process smoothly and efficiently.
Have you seen the outcome you were hoping for?
Although our case was not straightforward Lloyd continued to provide professional advice and guidance to ensure we got the desired outcome.
What could they have done better?
In all honesty Lloyd was spot on with all that he did for us.
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?
Remortgage of rental property
How has Lloyd Richards helped you?
Advised on different options - fixed and variable rates
Have you seen the outcome you were hoping for?
Yes absolutely
What could they have done better?
Communication was excellent and this is so important with regards to these type of situations. Nothing to improve on.
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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