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)
Please provide a brief comment about your experience with Lloyd
Lloyd put me at ease as a 1st time buyer and took me through all the options including options I hadn't thought were available to me.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Amazingly insightful initiall conversation, will definitely be using him in the future
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Very knowledgeable and helpful.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (5)
Please provide a brief comment about your experience with Lloyd
Absolutely blown away, even just a short call showed me how knowledgeable and experienced Lloyd is, definitely will be using his business when moving forward with getting my first home
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (5)
How has Lloyd Richards helped you since your last review?
He had looked at my finances and given me robust options in order to ease my stress over my finances. He was honest, transparent and as always professional
Repeat review from verified client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (5)
How has Lloyd Richards helped you since your last review?
Brilliant advice and efficient. We have recommended Lloyd to many people.
Repeat review from verified client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
I was ready to buy a property.
How has Lloyd Richards helped you?
By finding best deals in the market at the time.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
They could have in place a better partnership with conveyance team.
Review from verified client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (3)
What were the circumstances that caused you to initially look for an adviser?
Buying a house
How has Lloyd Richards helped you?
Mortgage application
Have you seen the outcome you were hoping for?
Yes, completion due this Friday
What could they have done better?
Alloys is very quick with his work which we were impressed by and we didn't have to wait around, however on a couple of occasions things were missed or incorrect so maybe slightly more attention to checking things may be needed.
Review from verified client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
House purchase
How has Lloyd Richards helped you?
Lloyd helped me find an excellent mortgage deal
Have you seen the outcome you were hoping for?
Yes. Lloyds knowledge of the market is excellent
Lloyd's reply
Thank you so much. I can't tell you how much it means.
Rest assured i will be there with you throughout your mortgage journey, so please don't keep me a secret!
Review from verified client
Reviewed on 2024-09-30 10:26:33
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?
Give all the advice i needed and even tips on where people make mistakes and how i can avoid them. Lloyd kept in touch all the time even when we hadn't found a house to put an offer on, he is very professional and makes you feel at ease.
Have you seen the outcome you were hoping for?
Yes we have.
What could they have done better?
Nothing, everything we needed, he advised straight away and made our lives easier on purchasing a property.
Lloyd's reply
Charlie, my total and utter pleasure. I hope you guys are really happy in your new home together.
I am going to be keeping in touch throughout your mortgage journey, so please don't be strangers.
it is your recommendations and referrals that keep the good ship LPR sailing
All the best
Lloyd
Review from verified client
Reviewed on 2024-09-30 10:26:33
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Lloyd Richards
Adviser contact details
07568 091968
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