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 have used Lloyd for financial advice before so when the time came to move house and get mortgage advice we knew Lloyd was our man! He also assisted with all relevant insurances and made the process simple and seamless!
How has Lloyd Richards helped you?
Lloyd helped us find the right mortgage and insurances. He gave advice, was honest and listened to what we wanted to ensure we got what we needed.
Have you seen the outcome you were hoping for?
Absolutely!
What could they have done better?
Lloyd is friendly, professional and honest- we couldn’t have asked for a better service.
Lloyd's reply
An absolute pleasure. I hope you will be happy in your new home.
Stay in touch and please don't keep me a secret.
All the best
Lloyd
Review from verified client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (4)
Please provide a brief comment about your experience with Lloyd
With not really knowing much about remortgaging, the advice from Lloyd was very good.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (4)
What were the circumstances that caused you to initially look for an adviser?
I was looking to buy a house and we found Lloyd on the internet as suggestion and had a very good score.
How has Lloyd Richards helped you?
Lloyd helped me by finding a good deal with lender and 5% deposit. He ticked all the boxes we needed.
Have you seen the outcome you were hoping for?
So far yes.
What could they have done better?
The service was excellent.
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?
To get a good deal and good solicitor/services.
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)
Please provide a brief comment about your experience with Lloyd
Really comprehensive and tailored advice- suiting not only my budget, but options and my risk aversion
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 brilliant he does the best he can to reassure and do what is in your best interests regardless of any obstacles you may come across I woul strongly recommend
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
He is been very helpful in understanding our real opio a in terms of affordability to get our house! He has also shown a methodical approach to asses our case which gave us confidence in how we are planning to do the application for our mortgage!
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
Lloyd has been tremendously helpful to us and going above and beyond helping us through this process as it’s our first house being bought.
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
I started with little to no knowledge regarding getting on the housing ladder, and Lloyd has so far helped immeasurably in both putting my mind at ease and explaining the options 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)
What were the circumstances that caused you to initially look for an adviser?
Wanted someone to take away the hassle of finding the best deal
How has Lloyd Richards helped you?
He found me the best deal
Have you seen the outcome you were hoping for?
Yes of course, we got the deal I needed
What could they have done better?
Nothing as far as I know!
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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