Business Details
7 Years
experience
Your Trusted Mortgage Broker in Bingley
Discovery Financial was founded in 2019 by Ben Sugden and Jenni Whitaker, combining over a decade of industry experience with a commitment to personalized service. Our team specialises in mortgage brokering and financial protection solutions, serving first-time buyers, landlords, and homeowners across the UK. We work closely with clients to provide tailored mortgage options, including fixed and variable rates, remortgaging, and buy-to-let portfolios.Our insurance services cover life insurance, critical illness cover, income protection, and family income benefit, ensuring comprehensive financial security. As an FCA-regulated firm, we prioritise transparency, ethical advice, and long-term client relationships, aiming to simplify complex financial processes while maintaining affordability and accessibility.
Services
Mortgage Brokering
Life Insurance
Critical Illness Cover
Income Protection
Buy-to-Let Mortgages
Remortgaging
First-Time Buyer Advice
Details
- Year established: 2019
Highlights and features
- We offer personalized mortgage solutions tailored to individual circumstances.
- Our brokers have over 10 years of combined experience in the finance industry.
- We provide access to a wide panel of mortgage and insurance products.
- Our FCA-regulated services ensure compliance and client protection.
- We prioritise long-term client relationships over one-time transactions.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Mortgage Brokering
We connect clients with suitable mortgage products through our extensive lender network. Our experts guide homeowners through the application process, offering fixed and variable rate options. Tailored advice ensures clients find competitive rates matching their financial circumstances.
Life Insurance
Our life insurance policies provide financial security for dependants in case of death. We offer level term and decreasing term options to cover mortgages or provide lump sums for beneficiaries. Policies are customised to individual needs and budget requirements.
Critical Illness Cover
This insurance pays lump sums upon diagnosis of serious illnesses like cancer or heart disease. We offer comprehensive coverage beyond standard policies, including support for major surgery and family care needs. Coverage amounts are tailored to clients' financial obligations.
Income Protection
Our income protection policies replace a portion of earnings during prolonged illness or disability. Designed to cover essential expenses like mortgages, these policies provide financial stability when statutory sick pay proves insufficient for ongoing commitments.
Buy-to-Let Mortgages
We specialise in property investment financing for landlords. Services include portfolio refinancing, rate negotiation, and new purchase mortgages. Our expertise covers both small-scale investors and professional landlords with multiple properties across the UK.
People
Ben Sugden
Director and Financial Consultant
With over a decade in finance, Ben founded Discovery Financial in 2019 after working at Santander and corporate broker firms. He specialises in mortgage strategy and financial planning, focusing on client-centric solutions that combine corporate best practices with personal service.
Jenni Whitaker
Director and Will Writer
Jenni manages daily operations and client relations at Discovery Financial. As an associate of Prestige Legal Services, she provides will-writing and power of attorney advice. Her background includes administrative leadership at Yorkshire Building Society, ensuring smooth service delivery.
Questions
What mortgage types do you offer?
We provide fixed-rate, variable-rate, buy-to-let, remortgage, and first-time buyer mortgages tailored to individual needs.
Are your services FCA-regulated?
Yes, we are an appointed representative of Primis Mortgage Network, authorised and regulated by the Financial Conduct Authority.
Do you offer insurance products?
We provide life insurance, critical illness cover, income protection, and family income benefit policies alongside mortgage services.
How do you tailor financial advice?
We conduct detailed consultations to understand client circumstances before recommending mortgage or insurance solutions.
Can you help with property investment mortgages?
Yes, we specialise in buy-to-let mortgages and portfolio refinancing for landlords of all scales.
