Business Details
21 Years
experience
Expert Mortgage Brokers in Ilkley
Established in 2005, Square Financial has built a reputation for delivering tailored mortgage and insurance solutions from our picturesque base in Burley in Wharfedale, West Yorkshire. Our team combines decades of collective experience in financial services, specialising in navigating the complexities of the mortgage market to empower clients with informed choices. We prioritise transparency and clear communication, ensuring clients understand every step of their mortgage journey while benefiting from our extensive lender network. Our personalised approach caters to diverse needs, from first-time buyers to self-employed individuals and buy-to-let investors, supported by a commitment to simplifying what can often feel overwhelming. As an Appointed Representative of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority, we uphold rigorous professional standards.Our fee structure, ranging from 0 to 995 depending on complexity, reflects the value of our expert guidance, which has earned us trust across the UK. We pride ourselves on fostering long-term relationships through reliability and a client-centric ethos that places your financial goals at the heart of every decision. Our dedication to continuous improvement ensures we remain at the forefront of industry developments, enabling us to deliver innovative solutions that adapt to evolving market conditions. This combination of local expertise and national reach positions us as a trusted partner for clients seeking stress-free mortgage and protection services.
Services
First Time Buyer
Home Mover
Remortgage
Self-Employed
Buy-to-Let
Life Insurance
Critical Illness
Income Protection
Details
- Year established: 2005
Highlights and features
- We offer FCA-regulated mortgage advice with transparent fee structures
- Our team has 19+ years' experience in mortgage and insurance markets
- We provide tailored solutions for complex cases including self-employed clients
- We maintain partnerships with a vast network of UK lenders
- We guarantee clear communication throughout the mortgage process
Associations and certifications
- Financial Conduct Authority
What people say
Transparent fee structures
Personalised solutions
Expert guidance
Stress-free process
Services
First Time Buyer
Personalised mortgage guidance for first-time buyers helps secure competitive rates and terms. We partner with clients to achieve homeownership goals through tailored solutions. Our FCA-regulated advisors simplify the process while maintaining transparency about costs and options.
Buy-to-Let
Specialist mortgages for rental property investors cater to both new landlords and portfolio holders. We provide guidance on financing strategies and tax implications. Our expertise covers complex cases including multiple property portfolios and commercial buy-to-let arrangements.
Remortgage
Remortgaging services help clients access home equity for debt consolidation or property investments. We compare market options to secure better rates while explaining all associated costs. Our process ensures minimal disruption during mortgage transitions.
Life Insurance
Life insurance policies provide financial security for dependents through lump sum payouts. We offer tailored coverage options that align with mortgage commitments and personal circumstances. Our advisors ensure clear understanding of policy terms and exclusions.
Income Protection
Income protection insurance provides monthly benefits during work incapacity from illness or injury. We design policies to cover essential living expenses while considering existing employer benefits. Our approach balances affordability with comprehensive coverage.
People
Philip Terry
Managing Director
With over 15 years in mortgage services, Philip leads Square Financial's strategic direction. His expertise in complex mortgage solutions ensures clients receive expert guidance. He maintains FCA compliance while fostering team development across the UK network.
Stephen Elliott
Senior Consultant
Stephen specialises in buy-to-let mortgages and investment financing. His market knowledge helps clients optimise property portfolios. He provides tailored advice on tax-efficient structures and lender selection for landlords at all levels.
James Gaitely
Senior Consultant
James focuses on first-time buyer mortgages and home mover financing. He simplifies complex processes through clear communication. His client-centric approach ensures transparent advice while navigating changing market conditions effectively.
Tracy McCarthy
Office Manager
Tracy coordinates Square Financial's operations, ensuring smooth client interactions. Her organisational expertise maintains efficient processes across mortgage and insurance services. She serves as primary contact for administrative and client support matters.
Questions
What mortgage services do you offer?
We specialise in first-time buyer mortgages, home mover financing, remortgaging, buy-to-let mortgages, and self-employed mortgage solutions.
Are your mortgage fees transparent?
Yes, our fees range from £0 to £995 depending on complexity, with standard cases typically £495. We explain all costs upfront.
Do you work with self-employed clients?
Yes, we specialise in complex cases including sole traders, company directors, and contractors requiring tailored mortgage solutions.
What insurance products do you provide?
We offer life insurance, critical illness cover, family income benefit, and income protection policies to complement mortgage arrangements.
Are you regulated by financial authorities?
Yes, we operate as Appointed Representatives of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority.
