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?
To get professional advise on mortgage and remortgage
How has Lloyd Richards helped you?
He provided invaluable professional advise and information which has been instrumental in our decision to have remortgage
Have you seen the outcome you were hoping for?
Absolutely.
What could they have done better?
Our interest was served.
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 good and sound advice
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?
Recommended by another colleague
How has Lloyd Richards helped you?
Explained what documents are needed, the process, kept us updated regularly. Had everything ready in a couple of days.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
N/A
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
Just wanted to get a feel for numbers rates and fees etc regarding mortgages he made me feel at ease and gave me a lot of positive information and made me feel a lot more comfortable and confident in moving forward and buying property in the near future. Would highly 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
Lloyd is highly professional and was committed to trying to help me from the start. He made time to understand my circumstances before giving clear and concise explanations of what is / is not possible. His response rate was fast and his follow up support was first class.
Lloyd is a genuine individual with the drive and passion to support his clients to a positive result.
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
Super friendly, very knowledgeable and helpful
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:32
Mortgage Services
Overall score (4)
Please provide a brief comment about your experience with Lloyd
Excellent, professional, efficient
First impression from a user who is not yet a client
Reviewed on 2024-09-30 10:26:32
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
We were first time buyers with no experience of the housing market.
How has Lloyd Richards helped you?
He has arranged a mortgage for us and has provided other general advice around the process
Have you seen the outcome you were hoping for?
Yes. We have purchased our first home.
What could they have done better?
Everything was excellent.
Review from verified client
Reviewed on 2024-09-30 10:26:32
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
Lloyd is honest, experienced and does his sincere best to help his clients get the best possible rates.
How has Lloyd Richards helped you?
Lloyd has always been at the get go to get me and my partner the best mortgage rate even when things can be out of his control such as the BOE interest rates.
Have you seen the outcome you were hoping for?
I did last time with Lloyd and fingers crossed I see them again very soon
What could they have done better?
Nothing to be honest. He has many other clients he works hard for so me and my partner don’t expect an answer straight away.
Review from verified client
Reviewed on 2024-09-30 10:26:32
Mortgage Services
Overall score (5)
What were the circumstances that caused you to initially look for an adviser?
Looking to secure remortgage
How has Lloyd Richards helped you?
Lloyd has done all the leg work, all I’ve done is provide the adequate details, couldn’t recommend more.
Have you seen the outcome you were hoping for?
Lloyd has helped me secure the best possible outcome for my personal situation
What could they have done better?
In my personal experience i feel all duties have been fulfilled to a 100% satisfactory level
Review from verified client
Reviewed on 2024-09-30 10:26:32
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Lloyd Richards
Adviser contact details
07568 091968
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