Business Details
23 Years
experience
Trusted Mortgage Advisers in Essex
Established in 2003, L & P Mortgage and Financial Services brings over 60 years of combined expertise to mortgage and financial advisory services. Our team of qualified professionals, including CeMAP-certified advisers, specialises in residential and commercial mortgages, equity release, and protection insurance. Regulated by the Financial Conduct Authority, we prioritise impartial advice and access to exclusive schemes unavailable on the High Street.Clients benefit from flexible appointment options, including home visits and evening consultations, while our commitment to transparency ensures fee structures are clearly communicated. With a focus on long-term client relationships, we tailor solutions to meet both current and future financial needs.
Services
Residential Mortgages
Commercial Mortgages
Equity Release
Life Insurance
Secured Loans
Details
- Year established: 2003
Highlights and features
- We offer over 60 years of combined mortgage advisory experience
- Our team holds CeMAP, FPC, and Equity Release Council qualifications
- We provide access to exclusive mortgage schemes unavailable on the High Street
- Flexible appointment options including home visits and evening consultations
- FCA-regulated impartial advice tailored to individual financial circumstances
Associations and certifications
- Financial Conduct Authority
What people say
Amazing staff
Knowledgeable
Impartial basis
Traditional customer service
Go above and beyond
Services
Residential Mortgages
We provide comprehensive residential mortgage solutions for first-time buyers, buy-to-let investors, and those with credit impairments. Our FCA-regulated advisers access exclusive schemes unavailable on the High Street, offering competitive rates for new builds, right-to-buy properties, and lifetime mortgages. With flexible appointment options, we ensure tailored advice that meets individual financial circumstances.
Commercial Mortgages
Our commercial mortgage service caters to property investors and business owners seeking premises financing. Drawing on decades of industry relationships, we arrange funding for shop units, public houses, land development, and other commercial securities. Our advisers ensure competitive rates while maintaining strict affordability assessments to match clients' business requirements.
Equity Release
We offer Equity Release Council-approved schemes for homeowners seeking to access property wealth during retirement. Our qualified advisers explain lifetime mortgage options and assess suitability without charging initial consultation fees. This service helps clients address pension shortfalls while maintaining compliance with strict consumer protection standards.
Life Insurance
Our independent insurance service provides life assurance and critical illness cover to protect mortgage balances and family finances. We tailor policies to individual needs, offering both comprehensive coverage and budget-friendly options. This service ensures financial security for dependents in case of unexpected life events.
Secured Loans
We arrange secured loans for home improvements, debt consolidation, and capital raising. Our advisers conduct thorough affordability checks before recommending these products, ensuring they represent the best solution for clients' financial situations while maintaining responsible lending practices.
People
Susan Pitt
Director & Adviser
With 36 years in the mortgage industry, including 30 running her own brokerage, Susan holds CeMAP, FPC, CeLTM, and CeRER qualifications. She specialises in residential mortgages and equity release solutions.
Andy Orrells
Director & Adviser
Qualified with a Cert CII (MP) in Mortgage Advice, Andy joined the company in 2014. He works alongside his mother Sue, focusing on residential mortgage solutions and first-time buyer assistance.
Lesley Bearman
Personal Assistant
Having served as Mortgage Administrator for over 8 years, Lesley supports the advisory team with processing and administrative tasks while maintaining client communication standards.
Clare James
Mortgage Administrator
Clare joined the team in 2022 as a Mortgage Administrator, providing essential support to the advisory team while ensuring efficient processing of mortgage applications.
Questions
What mortgage options are available for first-time buyers?
We offer tailored solutions including low-deposit mortgages, Help to Buy schemes, and exclusive first-time buyer products with competitive rates.
Can you help with buy-to-let mortgages?
Yes, we arrange single property and portfolio mortgages for buy-to-let investors with access to specialist lenders and competitive terms.
Are your equity release schemes regulated?
All our equity release products are provided by Equity Release Council members and advised by specifically qualified professionals.
Do you charge fees for mortgage advice?
Our initial consultation is free. We operate on a fee and/or commission basis, always disclosing costs upfront.
Can you assist with commercial property financing?
Yes, we have extensive experience arranging commercial mortgages for shop premises, public houses, and development projects.
