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?
Buying a house
How has Lloyd Richards helped you?
Supported with financial advice, mortgage information and explained everything we needed to do very clearly for us to understand as first time buyers getting us the best deals available
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Nothing!
Lloyd's reply
This really means a lot. I can't tell you. I had been having a few bad days where everything seemed to be going wrong for my clients. Poor solicitor service, down valuations of properties etc...
So this wonderful review has cheered me right up and reminded me of why I do this job in the first place, thank you!!!
And please don't keep me a secret
Review from verified 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 superb. Can't recommend Lloyd highly enough. He works quickly and efficiently, helping get you in the right position to buy a property. He explains the process clearly and concisely, which is especially helpful for first-time buyers like me.
Lloyd's reply
You are a total legend James. Thanks so much for these kind words. I promise you, you are in safe hands. Looking forward to the journey.
First impression from a user who is not yet a 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?
Overwhelmed by the options and personal recommendation.
How has Lloyd Richards helped you?
He found us mortgages, simplified the red tape and gave the companies grief when they were dragging their feet.
Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
Very minor but please remember to email both of us when giving updates - chances are only one of us will get time to reply quickly.
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 needed a mortgage
How has Lloyd Richards helped you?
He has managed the find the best mortgage deal for me
Have you seen the outcome you were hoping for?
Yes, definitely
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?
had lloyd help me for years and i trust him
How has Lloyd Richards helped you?
mortgages
Have you seen the outcome you were hoping for?
yes
What could they have done better?
nothing
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?
always had one, lloyd has always been helpful, professional and polite
How has Lloyd Richards helped you?
with re-mortgage
Have you seen the outcome you were hoping for?
yes
What could they have done better?
nothing
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?
Remortgage
How has Lloyd Richards helped you?
Lloyd gave us lots of advice and helped us choose the right mortgage for us
Have you seen the outcome you were hoping for?
Yes
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?
Initially as first time buyers and having no idea what we’re doing… we have now also renewed twice through Lloyd (still don’t know what we’re doing!) always sound advice and makes the process nice and smooth sailing.
How has Lloyd Richards helped you?
With our initial mortgage offer and now renewing twice.
Have you seen the outcome you were hoping for?
Yes
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?
Wanted impartial advice bespoke to my situation
How has Lloyd Richards helped you?
Provided advice and information at all stages, was available for any questions no matter how small. Handled paperwork and liaisons on my behalf where possible keeping the process smooth and simple for me. Ensured related insurances / policies were right for me.
Have you seen the outcome you were hoping for?
Yes without a doubt
What could they have done better?
Nothing, not a thing.
Review from verified 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 professional and has all the answers.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:33
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Lloyd Richards
Adviser contact details
07568 091968
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