Business Details
Trusted Financial Advisers in Worthing
Emerald Finance has established itself as a trusted provider of independent financial advice, specialising in mortgages, equity release, insurance, and commercial finance solutions. With access to over 120 mortgage lenders and thousands of schemes, including broker exclusives, we act solely in our clients' interests to secure competitive rates. Our team of CeMAP-qualified advisers brings decades of combined experience, offering tailored guidance on first-time buyer mortgages, remortgaging, buy-to-let investments, and retirement-focused products like lifetime mortgages.As an FCA-authorised firm and Equity Release Council member, we adhere to strict regulatory standards while maintaining a client-centric approach. We prioritise transparency, explaining all options clearly and managing applications from start to completion. Our services extend to commercial clients seeking property finance, asset funding, and business protection policies, ensuring both personal and corporate financial strategies align with long-term goals.
Services
Mortgages
Insurance
Equity Release
Commercial Finance
Wills & Trusts
Highlights and features
- FCA-authorised with strict adherence to regulatory standards
- Advisers hold CeMAP and CeRER professional qualifications
- Access to 120+ mortgage lenders including exclusive deals
- 30+ years combined experience in financial services sector
- Member of Equity Release Council promoting best practices
Associations and certifications
- Financial Conduct Authority
- Equity Release Council
What people say
Excellent service
Very efficient
Highly recommended
Great communication
Brilliant from start to end
Services
Mortgages
We provide comprehensive mortgage advice covering first-time buyer schemes, remortgaging, buy-to-let investments, and specialist products. Our CeMAP-qualified advisers access 120+ lenders to find competitive rates, managing applications from initial consultation to completion. Services include fixed-rate mortgages, interest-only options, and broker-exclusive deals tailored to individual circumstances.
Equity Release
Specialist advice on lifetime mortgages, retirement interest-only products, and home reversion schemes. Our Equity Release Council-accredited advisers explain all options clearly, helping clients aged 55+ access property equity for home improvements, debt clearance, or family support while considering inheritance implications.
Insurance
We offer life insurance, critical illness cover, income protection, and landlord insurance solutions. Our advisers assess individual needs to recommend affordable policies that protect families and assets, covering family protection, private medical expenses, and business-related risks like keyman insurance.
Commercial Finance
Tailored financing solutions for businesses including property finance, asset funding, invoice finance, and vehicle leasing. We connect commercial clients with specialist lenders and high-street banks to secure competitive rates for growth initiatives, operational restructuring, or equipment acquisition.
Wills & Trusts
We facilitate will-writing services to ensure proper asset distribution, guardianship appointments for children, and inheritance tax planning. Our advisers help clients create legally sound wills that reflect their wishes while considering equity release implications and family circumstances.
People
Matt
Financial Adviser
With over 10 years' experience in financial services, Matt specialises in mortgage and equity release solutions. He holds CeMAP and CeRER qualifications, focusing on retirement planning products while maintaining Equity Release Council accreditation.
Questions
Are your services regulated?
We are authorised and regulated by the Financial Conduct Authority (FRN: 837525). Some products like equity release fall under FCA regulation, while others may not.
How do your mortgage fees work?
We charge fees for mortgage advice based on individual circumstances. Initial consultations are free, with all costs fully explained before application commencement.
What mortgage options exist for first-time buyers?
We offer advice on Help to Buy schemes, shared ownership mortgages, and traditional first-time buyer products from 120+ lenders, including broker-exclusive deals.
Can I remortgage before my current deal ends?
Yes, we can secure new deals up to seven months before expiry, potentially saving thousands through early rate locking and market monitoring.
Do you offer commercial property financing?
Yes, we arrange commercial mortgages, asset finance, and invoice financing through specialist lenders and high-street banks for business clients.
What happens if I need to make an insurance claim?
We assist with claims processes for policies we arrange, though actual claims handling is conducted directly by the insurance providers we work with.
