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?
We wished to secure a better buy to let mortgage than the one we had, this particular mortgage was on a standard variable rate having previously been on a fixed rate.
How has Lloyd Richards helped you?
Lloyd understood the question being asked, provided a range of options which were explained very well and supported the change process professionally and timely.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
I cannot fault
Lloyd's reply
Absolute pleasure David
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 for a better rate
How has Lloyd Richards helped you?
He was the man to secure a cheap deal going forward and the process was made quickly and seamlessly!
Have you seen the outcome you were hoping for?
Yes definitely!
What could they have done better?
Only would have appreciated him to be able to answer our calls to him more frequently but we can appreciate that he’s a busy man!
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?
My wife and I are both self-employed, so we needed specialist help to find the best mortgage available for our situation.
How has Lloyd Richards helped you?
Lloyd was extremely helpful. He was clear about what we could expect to achieve and really helped us to understand the options available. He was also very quick to respond to any queries we had. He made the process painless!
Have you seen the outcome you were hoping for?
We are completely happy with the outcome
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 properties
How has Lloyd Richards helped you?
Lloyd took the details of what we had in place currently and then gave us 2-3 options on each property.
Have you seen the outcome you were hoping for?
Yes we have.
What could they have done better?
Nothing more.
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?
Advised like a superstar
Have you seen the outcome you were hoping for?
Yes thanks to lloyd
What could they have done better?
No he was perfect
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?
Was in the process of applying for the Right to Buy for my council property
How has Lloyd Richards helped you?
Providing step by step advise during the entire process, recommended Solicitors, secured a mortgage and provided insurance and protection advise and suitable companies.
Have you seen the outcome you were hoping for?
Most definitely
What could they have done better?
In the case of first time buyers as ourselves who are not familiar with purchasing a property, a full list of costs and expenses which can or may incur during the purchasing process should be outlined from the initial stage or as early as possible.
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?
Re mortgage
How has Lloyd Richards helped you?
Help us getting best rate possible.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Lloyd couldn’t have done more he was excellent as usual.
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 for Building Project
How has Lloyd Richards helped you?
Found a Suitable provider
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
I was really pleased
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?
First time buyer
How has Lloyd Richards helped you?
Mortgage start to finish
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
He was fab! Although I think the charges are quite steep in comparison but he was up to negotiate
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?
To take away the stress and mess of working around the options myself
How has Lloyd Richards helped you?
Found the best and most suitable deal for me very quickly and the whole process was painless and efficient.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Nothing. The process as a whole was fantastic.
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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