Business Details
35 Years
experience
Your Trusted Mortgage & Financial Advisers in Chester
Established in 1991, Ingard Financial has built a reputation as a trusted provider of jargon-free financial advice. Our team of fully qualified, salaried advisers specialises in mortgage solutions, protection policies, and finance options tailored to individual client needs. With access to the entire market, including lenders who work exclusively with qualified advisers, we deliver impartial guidance and bespoke solutions. Our commitment to client-centric service is demonstrated through a dedicated adviser approach, free initial consultations, and transparent fee structures.We prioritise long-term client relationships by combining industry expertise with personalised support, ensuring clients receive competitive deals even in complex circumstances such as bad credit or self-employment. Our regulatory compliance and FCA authorisation further reinforce our commitment to professional standards.
Services
Mortgages
Protection Policies
Finance Solutions
Insurance
Commercial Finance
Details
- Year established: 1991
Highlights and features
- We offer whole-market access including exclusive lender partnerships
- Our advisers are fully qualified and salaried for impartial guidance
- We provide dedicated adviser support from enquiry to completion
- We charge no fees until you choose to proceed with applications
- We have 33 years of experience in complex mortgage scenarios
Associations and certifications
- Financial Conduct Authority
What people say
Outstanding professionalism
Personalised solutions
Smooth transactions
Expert guidance
Unwavering support
Services
Mortgage Advice
We provide comprehensive mortgage advice covering first-time buyer schemes, remortgaging, buy-to-let properties, and specialist mortgages for complex situations. Our qualified advisers help clients navigate the entire market to find competitive rates and suitable terms. With access to exclusive lenders, we deliver tailored solutions for both standard and non-standard mortgage requirements.
Protection Policies
Our protection services include life insurance, income protection, and mortgage protection policies designed to safeguard clients' financial security. We offer customised coverage options that align with individual circumstances and financial commitments. These policies help protect against unexpected life events while ensuring mortgage obligations remain covered during difficult periods.
Commercial Finance
We arrange commercial finance solutions for businesses seeking start-up capital, expansion funding, or property development finance. Our services cover bridging loans, semi-commercial mortgages, and limited company buy-to-let financing. These options cater to entrepreneurs and property investors requiring flexible funding structures for commercial property transactions.
Bad Credit Mortgages
We specialise in mortgage solutions for clients with adverse credit histories, including missed payments or previous mortgage rejections. Our advisers work with specialist lenders to find viable options while providing guidance on improving creditworthiness. This service helps clients rebuild their property aspirations through realistic, achievable mortgage pathways.
Self-Employed Mortgages
We offer tailored mortgage solutions for self-employed individuals and contractors facing income verification challenges. Our expertise covers complex income structures and alternative documentation requirements. This service helps non-standard earners access competitive mortgage deals through lenders experienced in assessing diverse financial profiles.
People
Kam Lotay
Mortgage Adviser
With over ten years of experience in the mortgage industry, Kam provides expert guidance and personalised solutions to brokers and clients. His deep understanding of complex borrowing scenarios ensures smooth transactions and tailored mortgage arrangements.
Steve McCarthy
Director
As an appointed representative, Steve leverages Ingard's comprehensive support network to deliver exceptional mortgage services while maintaining business independence. His focus on client satisfaction drives consistent, reliable advisory outcomes.
Ray Eldridge
Mortgage Adviser
Ray has received continuous professional development support since starting his mortgage career. His expertise in mortgage processes and client mentoring ensures clients receive well-structured, informed advisory services.
Questions
What mortgage options are available for first-time buyers?
We offer various first-time buyer mortgages including government schemes, fixed-rate deals, and flexible repayment options tailored to individual circumstances.
Do you offer mortgage advice for self-employed individuals?
Yes, we specialise in mortgages for self-employed clients, helping those with complex income structures secure competitive deals through specialist lenders.
What protection policies do you recommend?
We recommend life insurance, income protection, and mortgage protection policies tailored to your financial commitments and family circumstances.
How much do your mortgage advisory services cost?
Our typical fee is £500 payable on mortgage offer, with maximum fees capped at 1% of the loan value. We charge nothing until you proceed.
Can you help with commercial property financing?
Yes, we arrange commercial finance solutions including bridging loans, semi-commercial mortgages, and limited company buy-to-let financing for property investors.
What happens if I have bad credit history?
We specialise in helping clients with adverse credit histories find suitable mortgage solutions through specialist lenders offering flexible underwriting criteria.
