Business Details
15 Years
experience
Trusted Financial Advisers in Lincoln for Equity Release, Mortgages & Protection
Andy Wilson Financial Services is a specialist financial advisory firm based in Lincoln, Lincolnshire, with over 44 years of combined experience in providing tailored financial solutions. Established in 2011 by Andy Wilson, a seasoned financial adviser with a career spanning decades, the company focuses on equity release, mortgage advice, and protection services. Our team includes Robert Drury, a mortgage specialist with extensive banking experience, Steve Taylor, a former Halifax manager with over 40 years in financial services, and Tina Wilson, who oversees administrative and financial operations.We pride ourselves on delivering ethical, client-centric advice, evidenced by our recognition in national awards such as the Mortgage Strategy Awards and Moneyfacts Equity Release Adviser of the Year. Our services are designed to meet the unique needs of clients across the UK, with equity release consultations conducted in clients' homes and mortgage advice available via face-to-face meetings or virtual platforms.
Services
Equity Release
Mortgage Advice
Life Insurance
Income Protection
Protection Plans
Details
- Year established: 2011
Highlights and features
- 44 years of combined experience in financial advisory services
- Award-winning equity release and mortgage advice
- Personalised solutions tailored to individual client needs
- Team includes specialists with backgrounds at major banks and building societies
- Transparent processes with no obligation for initial consultations
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
Highly recommended
Stress-free mortgage
Professional and friendly
Prompt communication
Services
Equity Release
Equity release allows homeowners over 55 to access funds tied to their property through lifetime mortgages or home reversion schemes. We provide impartial advice on risks, safeguards, and tailored options. Our specialists ensure clients understand implications while maintaining homeownership rights.
Mortgage Advice
We offer comprehensive mortgage guidance for first-time buyers, remortgaging, and buy-to-let investments. Our advisers access thousands of products to find optimal rates and terms. Services include affordability assessments, application support, and post-completion aftercare for clients across the UK.
Life Insurance
Protect your family's financial future with tailored life insurance plans. We provide term life, whole-of-life, and critical illness cover options. Our advisers explain policy features, exclusions, and payout structures to ensure appropriate coverage for dependants' needs.
Income Protection
Secure financial stability against income loss through illness, disability, or unemployment. We arrange policies covering up to 70% of earnings with flexible deferment periods. Our specialists ensure claims processes and policy terms align with individual employment circumstances.
Protection Plans
Comprehensive protection solutions including family income cover and unemployment safeguards. We assess clients' financial obligations to recommend appropriate coverage durations and payout structures, ensuring protection against unforeseen life events.
People
Andy Wilson
Director
With over 44 years in financial services, Andy established the company in 2011 after director roles at major firms. He specialises in equity release and holds advanced qualifications including the Personal Finance Society's Diploma in Financial Planning.
Robert Drury
Mortgage Adviser
Joining in 2019, Robert brings banking experience from NatWest and Santander. He manages mortgage inquiries and holds CeMAP qualifications, focusing on first-time buyers and complex property transactions.
Steve Taylor
Mortgage Specialist
A 2021 addition, Steve has 42 years in financial services including 25 years at Halifax. He specialises in buy-to-let mortgages and provides continuity for clients transitioning from previous advisory roles.
Tina Wilson
Co-Director
With 38 years in financial services, Tina manages business operations and client communications. Her role includes financial accounting oversight and coordinating lender and solicitor interactions.
Questions
What areas do you serve for financial advice?
We operate nationwide for equity release consultations and locally in Lincolnshire for mortgage advice, with virtual meeting options available UK-wide.
What fees apply to equity release advice?
Our lifetime mortgage advice fee ranges from £990 to £1,295, depending on complexity, with no obligation for initial consultations.
How do you handle mortgage applications?
We assess your financial situation, source suitable products, complete applications, and coordinate with solicitors to ensure smooth property transactions.
What protection plans do you offer?
We provide life insurance, income protection, and family income cover tailored to individual circumstances and financial obligations.
Can first-time buyers get assistance?
Yes, our specialists guide first-time buyers through mortgage options, affordability assessments, and government schemes like Help to Buy.
What qualifications do your advisers hold?
Our team holds CeMAP, CertCii(MP), and advanced financial planning qualifications, with Andy Wilson holding the Personal Finance Society's Diploma in Financial Planning.
