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
I'm still working through the process with Lloyd but he's been fantastic so far. He's given me lots of helpful advice and always gets back to me promptly. I honestly can't fault Lloyd. I'm so glad I took my friends advice and got in touch with him.
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:33
Mortgage Services
Overall score (4)
Please provide a brief comment about your experience with Lloyd
Dealing with Lloyd has been an absolute pleasure. His subject matter knowledge was excellent. Queries were always answered very promptly, and you get personalised service. I have no problem recommending his services.
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?
I had quite complicated financial situations. Was single with dependants and also had adversaries on my credit file
How has Lloyd Richards helped you?
Lloyd was absolutely amazing in finding me the right lender for my mortgage. He was able to explore a wide variety Of lenders and found one suitable for my situation.
Have you seen the outcome you were hoping for?
Yes definitely
What could they have done better?
Nothing, he was brilliant
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
Lloyd was super informative and very helpful over our initial call. He explained the various options available to me in clear terms and was very helpful in providing enough information for me to make a decision on how best to proceed.
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 very patient and understanding with my situation. He was able to find a solution that benefitted me hugely.
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
Whilst Lloyd was not able to progress my inquiry further he provided me with clear and concise advice very promptly and provided me with some options.
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 was very knowledgeable and could help us with all the questions we had! As first time buyers, we need everything explaining and Lloyd was patient and considering and could advise us what would work best in our specific situation. Unfortunately our plans changed and we didn’t follow through with the mortgage services this time but would definitely use LPR Mortgage Services 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)
What were the circumstances that caused you to initially look for an adviser?
I want to refinance at a cheaper rate
How has Lloyd Richards helped you?
Lloyd looked at what mortgages were available and let me know the best deal for me.
Have you seen the outcome you were hoping for?
Yes! I now have a great deal which I am happy with and I am pleased I trusted Lloyd to do this for me.
What could they have done better?
Nothing. His communications were timely and efficient meaning I was in the loop the whole way.
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
This was just an initial first chat with Lloyd so there was no conversation around future charges, which is fine, I just needed advice at this moment in time and Lloyd was great in giving that 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
I extremely helpful and very friendly.
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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