Business Details
12 Years
experience
Your Trusted Mortgage Advisors in Lincoln
Established in 2014, Concise Financial Solutions is a Lincoln-based mortgage advisory firm serving clients across the UK. Our expertise lies in providing whole-of-market mortgage advice, including residential, buy-to-let, and equity release products, alongside tailored protection solutions. We operate as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, regulated by the Financial Conduct Authority, ensuring access to thousands of mortgage products and exclusive deals.Our team of experienced advisers combines deep industry knowledge with a client-centric approach, offering impartial advice and ongoing support throughout the mortgage lifecycle. We prioritise transparency, with all fees agreed upfront, and maintain a commitment to simplifying complex financial processes for our clients.
Services
First Time Buyers
Remortgage
Buy To Let
Equity Release
Protection Advice
Life Insurance
Home Insurance
Income Protection
Details
- Year established: 2014
Highlights and features
- We offer independent, whole-of-market mortgage advice with access to exclusive products
- Our FCA-regulated services ensure compliance with the highest financial standards
- Experienced advisers with decades of combined industry expertise
- Transparent fee structure with all costs agreed upfront
- Personalised support from initial consultation through to completion
Associations and certifications
- Financial Conduct Authority
What people say
Knowledgeable advisors
Professional service
Excellent communication
Stress-free process
Prompt responses
Services
First Time Buyers
We guide first-time buyers through the mortgage process with a structured 10-step support system. Our advisers explain options clearly, help secure competitive rates, and manage applications to completion. Services include affordability assessments, scheme eligibility checks, and ongoing post-purchase support.
Remortgage
Our remortgaging service reviews existing arrangements to identify savings opportunities. We assess product changes, advise on early repayment charges, and negotiate terms with lenders. Regular reviews ensure clients maintain optimal mortgage solutions aligned with changing circumstances.
Buy To Let
Specialist advice for property investors covers portfolio strategy, tax-efficient structures, and landlord-specific products. We assess rental income requirements, advise on deposit strategies, and provide ongoing portfolio management guidance to maximise investment returns.
Equity Release
Tailored equity release solutions help retirees access property wealth without forced sales. We explain lifetime mortgage options, assess impact on inheritance, and ensure compliance with FCA regulations. Services include alternative product comparisons and long-term financial planning.
Protection Advice
We provide bespoke protection strategies covering life cover, critical illness, and income protection. Our advisers assess individual needs, recommend appropriate coverage levels, and ensure policies align with mortgage commitments and family requirements.
People
Tom Jackson
Financial Adviser
BSc (Hons) holder with over 20 years' mortgage industry experience. Specialises in property finance solutions and equity release. Previously worked at Pygott & Crone and Thompson & Richardson before founding Concise Financial Solutions in 2014.
Barry Gray
Financial Adviser
Certified mortgage professional with 12 years' experience at Pygott & Crone. Joined Concise in 2015, specialising in residential mortgages and protection products. Completed Certificate in Equity Release and holds CII certifications in mortgage and protection advising.
Sue Howsam
Administrator
Former Barclays Bank assistant branch manager with 23 years' customer service experience. Manages client communications, coordinates with lenders and solicitors, and ensures smooth transaction processes since joining Concise Financial Solutions.
Lisa Jackson
Administrator
Former nursery manager and childcare lecturer. Applies organisational expertise to mortgage administration, focusing on client documentation management and process efficiency since joining the company.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, equity release, and specialist protection products across the UK.
Are your mortgage fees transparent?
Yes, all fees are agreed upfront with a maximum charge of £495 for mortgage arrangement, with no hidden costs.
How do you help first-time buyers?
Our 10-step support system guides first-time buyers through affordability checks, scheme eligibility, and application management to completion.
Can you assist with equity release?
Yes, we provide tailored equity release advice, explaining options while ensuring compliance with FCA regulations and inheritance considerations.
Are you regulated by financial authorities?
We operate under Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority (FCA).
