Business Details
Your Trusted Mortgage Brokers in Billericay
E R L Financial is an established team of highly qualified mortgage and protection brokers with over 60 years of combined industry experience. As whole-of-market brokers, we provide access to the full range of mortgage products available across the UK, ensuring tailored solutions for each client's unique circumstances. Our reputation is built on delivering professional, unbiased advice and maintaining long-term relationships with clients, evidenced by 98% of our business coming from referrals.We prioritise face-to-face financial guidance to help clients achieve their objectives, offering free initial consultations with no obligation. Our services span residential and commercial mortgages, equity release, insurance products, and protection plans, supported by a dedicated administrative team to ensure seamless transactions from application to completion.
Services
Mortgage Brokering
Life Insurance
Insurance Services
Equity Release
Protection Plans
Commercial Mortgages
First-Time Buyer Support
Remortgaging
Buy-to-Let Solutions
Self-Employed Mortgages
Highlights and features
- We have over 60 years combined experience in mortgage and protection brokering
- Our whole-of-market status provides access to all UK mortgage products
- 98% of our business comes from client referrals and recommendations
- We offer free initial consultations with no obligation whatsoever
- Our team includes FCA-authorised professionals with specialist industry knowledge
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Knowledgeable team
Stress-free experience
Best rates possible
Professional and approachable
Services
Mortgage Brokering
Our independent mortgage brokering service provides access to thousands of UK mortgage products. We specialise in matching clients with suitable residential and commercial mortgage solutions. Our FCA-authorised advisors guide clients through every stage of the mortgage process, from initial consultation to completion, ensuring transparent communication and competitive rates tailored to individual circumstances.
Equity Release
We offer expert equity release advice for homeowners seeking to access property wealth. Our specialists explain lifetime mortgage options and home reversion plans. We ensure clients understand the financial implications while helping them achieve their retirement goals through tax-efficient solutions that maintain their quality of life.
Life Insurance
Our life insurance services provide financial security for dependents in case of untimely death. We offer term life policies, critical illness cover, and family income benefits. Our advisors help clients determine appropriate coverage levels for mortgages, loans, or childcare costs, ensuring families maintain their standard of living during difficult times through tailored protection strategies.
Buy-to-Let Solutions
We specialise in buy-to-let mortgage solutions for property investors. Our services cover standard and limited company buy-to-let arrangements, HMO mortgages, and commercial property financing. We help investors access competitive rates and specialist products while providing guidance on tax implications and portfolio growth strategies.
First-Time Buyer Support
Our first-time buyer service guides new purchasers through the mortgage process. We explain available schemes like Help-to-Buy and Shared Ownership, assist with Agreement in Principle applications, and provide clear explanations of mortgage terms. Our goal is to make homeownership accessible and stress-free for first-time purchasers through patient, jargon-free advice.
People
Christine Mitchell
Managing Director
With over 20 years in financial services, Christine leads our mortgage advisory team. She specialises in complex mortgage cases and has helped hundreds of clients achieve homeownership. Christine ensures our team maintains the highest professional standards while delivering personalised financial solutions.
John
Senior Mortgage Adviser
John has 15+ years' experience in mortgage brokering, focusing on buy-to-let and commercial mortgages. He has arranged over 100m in property financing and specialises in helping self-employed clients secure competitive rates through his extensive lender network.
Jane
Protection Specialist
Jane has been advising on life insurance and critical illness cover for a decade. She helps clients protect their families and businesses through tailored protection plans, ensuring comprehensive coverage that adapts to changing life circumstances while maintaining affordability.
Pippa
Mortgage Administrator
Pippa manages mortgage applications from start to finish, coordinating with solicitors and estate agents. With eight years' experience in mortgage administration, she ensures smooth transactions through meticulous attention to detail and timely communication with all parties involved.
Sue
Client Services Manager
Sue oversees our client support team, ensuring exceptional service throughout the mortgage journey. She has 12 years' experience in financial services operations and focuses on maintaining our high client satisfaction standards through continuous process improvement and staff training.
Questions
What mortgage services do you offer?
We provide residential and commercial mortgages, equity release, buy-to-let solutions, first-time buyer support, and specialist mortgages for self-employed individuals and expats.
Do you charge fees for mortgage advice?
There's no charge for initial consultations. Fees apply only if you proceed with a mortgage application, which we'll explain clearly beforehand.
How do you find the best mortgage rates?
As whole-of-market brokers, we access all UK lenders to compare products and negotiate competitive rates tailored to your specific circumstances.
Can you help with bad credit mortgages?
Yes, we specialise in helping clients with adverse credit histories find suitable mortgage solutions through our network of specialist lenders.
What insurance products do you offer?
We provide life insurance, critical illness cover, income protection, accident and sickness cover, and family income benefit plans.
How long does the mortgage process take?
Typically 4-8 weeks, depending on property type and lender requirements. Our team keeps you updated throughout and works to expedite the process.
