Business Details
8 Years
experience
Trusted Mortgage and Protection Advisers in Chester
Established in Cheshire, Wirral, and South Manchester, we are a team of independent mortgage and protection advisers with over 60 years of combined experience in the financial services sector. Our directors, Adrian Richardson, Christopher Collins, and Geraldine Hardman, previously worked in corporate environments restricted to limited lender panels, but founded our firm to prioritise client needs through a whole-of-market approach.We specialise in providing transparent, jargon-free advice to navigate the mortgage process, liaising with estate agents, solicitors, and surveyors to ensure a stress-free journey to homeownership. Our services extend nationwide, offering flexible consultations via phone, virtual meetings, or face-to-face appointments. As an FCA-authorised firm, we adhere to rigorous regulatory standards, ensuring client trust and compliance.
Services
Mortgage Advice
Remortgage
Buy to Let
Equity Release
Protection Insurance
Home Insurance
Details
- Year established: 2018
Highlights and features
- We offer over 60 years of combined experience in financial services.
- Our independent, whole-of-market approach ensures unbiased advice.
- We provide transparent, jargon-free guidance throughout the mortgage process.
- Flexible consultations available via phone, virtual, or face-to-face meetings.
- FCA-authorised firm committed to regulatory compliance and client trust.
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide independent mortgage advice tailored to your financial circumstances, helping you secure competitive rates and suitable terms. Our whole-of-market approach ensures access to a wide range of lenders, with guidance from application to completion. As FCA-regulated advisers, we prioritise transparency and client education.
Protection Insurance
Our protection products, including life insurance and critical illness cover, safeguard your family's financial future. We offer bespoke policies to provide lump sums or income replacement in case of illness, disability, or death. Independent advice ensures coverage aligns with your mortgage and personal needs.
Home Insurance
We arrange buildings and contents insurance to protect your property against risks like fire, flood, and theft. Tailored policies ensure adequate coverage for homeowners and landlords, with optional add-ons such as loss of rental income. Our advice helps balance protection and cost-effectiveness.
Equity Release
Equity release solutions allow homeowners aged 55+ to access tax-free cash from their property. We explain lifetime mortgages and home reversion plans, ensuring you understand implications for inheritance and benefits. Independent advice guarantees suitable, regulated products.
Remortgage
We help you remortgage to better rates, release equity, or adjust terms. Our process includes assessing exit fees, comparing new deals, and managing the transition. Independent advice ensures you secure optimal financial outcomes without unnecessary costs.
People
Adrian Richardson
Director
With extensive corporate finance experience, Adrian co-founded the firm to prioritise client needs through independent mortgage advice. He specialises in complex cases and whole-of-market solutions.
Christopher Collins
Director
Former corporate finance professional, Christopher brings strategic expertise to mortgage advisory services. He focuses on ensuring regulatory compliance and delivering tailored financial strategies for clients.
Geraldine Hardman
Director
Geraldine transitioned from corporate finance to independent mortgage advice, leveraging her experience to provide holistic solutions. She ensures the firm maintains high standards of client care and service.
Anna Waters
Independent Mortgage and Protection Adviser
Anna offers expert guidance on mortgages and protection products, focusing on clear communication and client education. She helps clients navigate financial decisions with confidence and clarity.
Rhian Bright
Independent Mortgage and Protection Adviser
Rhian specialises in mortgage and protection planning, prioritising individual client needs. Her approach combines thorough analysis with accessible advice to achieve long-term financial goals.
Questions
What services does My Mortgage Brokers Cheshire offer?
We provide mortgage advice, remortgaging, buy-to-let, equity release, protection insurance, and home insurance tailored to individual needs.
Are your mortgage advisers independent?
Yes, we are whole-of-market advisers, offering unbiased recommendations from a full range of lenders and products.
How do you ensure transparency in your advice?
We prioritise clear, jargon-free communication and disclose all fees upfront during your initial consultation.
Can I arrange a face-to-face meeting?
Yes, we offer face-to-face appointments at our Cheshire or Wirral offices by prior arrangement.
Are you regulated by the Financial Conduct Authority?
Yes, we are authorised and regulated by the FCA (Register No: 814758) for your protection.
What areas do you serve?
While based in Cheshire, Wirral, and South Manchester, we work with clients nationwide.
