Business Details
19 Years
experience
Expert Mortgage Advice in Worthing
At Nepcote Financial, we pride ourselves on delivering tailored mortgage advice through our family-run business established in 2007. Our team of fully qualified advisers combines local expertise with nationwide reach, offering clients access to a comprehensive range of mortgage products and exclusive deals. With a focus on transparency and client-centric service, we guide clients through every step of the home-buying or remortgaging process, ensuring clarity and confidence. Our experienced professionals utilise the latest mortgage sourcing tools to identify solutions aligned with individual financial circumstances. Supported by an efficient administrative team, we maintain open communication throughout the application process, providing regular updates to keep clients informed.Our reputation for reliability and professionalism is reflected in our high rate of returning clients and referrals. We specialise in residential and buy-to-let mortgages, protection insurance, equity release, and general insurance referrals, with fee structures clearly outlined to avoid hidden costs. Our Worthing-based office serves clients across the UK and internationally, maintaining the same standards of excellence that have defined our service since inception.
Services
Mortgages
Protection Insurance
General Insurance
Equity Release
Buy-to-Let Advice
Details
- Year established: 2007
Highlights and features
- We offer 15+ years of mortgage advisory experience with FCA-regulated services
- Our advisers hold professional qualifications in mortgage and protection planning
- We provide exclusive mortgage deals unavailable through high-street lenders
- Our fee structure maintains complete transparency with no hidden charges
- We combine local market knowledge with nationwide lending network access
What people say
Excellent service
Friendly and approachable
Stress-free process
Prompt communication
Expert knowledge
Services
Mortgage Advice
Our mortgage advisory service provides access to exclusive deals through major lenders while maintaining impartial guidance. We specialise in residential and buy-to-let mortgages, offering fixed, tracker, and flexible rate options. Our FCA-regulated advisers assess individual circumstances to recommend optimal solutions, handling all paperwork and negotiations on clients' behalf.
Protection Insurance
We offer comprehensive protection solutions including life assurance, critical illness cover, and income protection policies. Our advisers create tailored protection strategies that safeguard clients' financial security while considering existing commitments. We explain policy terms clearly and help clients understand coverage limitations and claim processes.
Equity Release
Our equity release service helps homeowners over 55 access tax-free cash from property equity. We explain lifetime mortgage options and their inheritance implications, ensuring clients understand long-term financial consequences. We work with specialist providers to find competitive rates while maintaining clear communication throughout the process.
General Insurance
We provide referral-based general insurance solutions for buildings and contents, including landlord insurance and legal protection add-ons. Our service ensures clients understand policy inclusions and exclusions, with access to 5-star rated insurers. We help clients compare coverage options to match their specific property requirements.
Buy-to-Let Mortgages
Our buy-to-let mortgage service caters to property investors with competitive rates and flexible terms. We assess rental income viability and help clients understand tax implications. We provide ongoing support for portfolio management and remortgaging strategies to maximise investment returns.
People
Mark Baker
Director
Mark is a fully qualified mortgage and protection adviser with over 15 years' experience in residential and buy-to-let property transactions. He ensures regulatory compliance while maintaining the firm's high service standards.
Mandy Baker
Director
Mandy manages office operations and quality assurance, maintaining regulatory standards. With extensive experience in mortgage administration, she oversees client communication and process efficiency.
Paul Green
Mortgage Adviser
Paul provides mortgage and protection advice for residential and buy-to-let clients. He specialises in helping first-time buyers navigate the mortgage process with clear, jargon-free explanations.
Georgina Daltrey
Financial Adviser
Georgina specialises in mortgage advice and protection planning, known for her empathetic approach and technical expertise. She has particular experience assisting clients through complex financial circumstances.
Questions
What mortgage types do you specialise in?
We specialise in residential, buy-to-let, fixed-rate, tracker, and flexible mortgages, plus equity release solutions for clients over 55.
How do your mortgage fees work?
Standard mortgages over £100,000 have no fee, while smaller loans cost £495. Equity release advice costs £695, with all charges clearly disclosed upfront.
Can you help first-time buyers?
Yes, we provide tailored guidance for first-time buyers, explaining mortgage options and helping with deposit requirements and government schemes.
Do you offer protection insurance?
We offer life assurance, critical illness cover, and income protection policies to protect clients' financial commitments and family security.
How do you find competitive mortgage rates?
We access exclusive deals through major lenders and use advanced mortgage sourcing tools to compare thousands of products unavailable through high-street banks.
What areas do you serve?
Based in Worthing, we serve clients across West Sussex, the UK, and internationally, providing the same high service standards regardless of location.
