Business Details
Your Trusted Mortgage and Insurance Advisors in Southend-on-Sea
Amber Mortgage Solutions is a trading style of Amber Finance Ltd, an FCA-authorised firm with over 15 years of combined experience in mortgage and insurance advisory services. Our team of qualified professionals specialises in providing tailored financial solutions, including residential and commercial mortgages, equity release, life insurance, income protection, and critical illness cover. We operate with full transparency, offering whole-of-market advice to ensure clients access competitive rates and appropriate coverage.Our commitment to client satisfaction is demonstrated through flexible appointments, credit repair mortgage options, and a focus on long-term financial security. As an FCA-regulated entity (No. 593399), we adhere to strict compliance standards while maintaining a client-centric approach to financial planning.
Services
Mortgages
Equity Release
Life Insurance
Income Protection
Commercial Mortgages
Bad Credit Mortgages
Remortgage
Secured Loans
Insurance Services
Financial Planning
Highlights and features
- FCA-regulated mortgage and insurance advisors with 15+ years combined experience
- Independent whole-of-market access to exclusive mortgage rates
- Specialist bad credit mortgage solutions with dedicated advisors
- Flexible appointment scheduling including late and weekend options
- Comprehensive protection services including life insurance from 6.42/month
Associations and certifications
- Financial Conduct Authority
Services
Mortgages
We provide comprehensive mortgage solutions tailored to individual circumstances. Our FCA-regulated advisors compare thousands of products to find competitive rates for first-time buyers, remortgagers, and self-employed clients. With access to exclusive deals and specialist bad credit mortgages, we ensure appropriate lending solutions while maintaining strict compliance standards.
Equity Release
Our equity release specialists help homeowners access tax-free cash from property value. We offer retirement mortgages and lifetime mortgages with transparent terms, ensuring clients understand implications for inheritance and benefits. The service includes whole-of-market comparisons and independent advice on suitability for older homeowners.
Life Insurance
We provide life insurance policies starting from 6.42 monthly, covering level term, mortgage protection, and critical illness options. Our advisors help clients determine appropriate coverage amounts based on dependents, debts, and income replacement needs. The service includes comparisons from leading providers and support through the claims process.
Income Protection
Our income protection policies provide financial security for those unable to work due to illness or injury. We offer deferred period options from 4-52 weeks with payouts covering essential expenses. The service addresses common claim causes like mental health issues and musculoskeletal problems, with flexible terms to suit different employment situations.
Commercial Mortgages
We arrange commercial mortgages for property purchases, buy-to-let investments, and business premises. Our services include bridging loans, secured business financing, and property development funding. The team works with specialist lenders to provide tailored solutions for businesses with complex requirements or adverse credit histories.
People
Lee Farrington
Director
With over 15 years in financial services, Lee specialises in complex mortgage solutions and business finance. He ensures regulatory compliance while maintaining client-focused service standards across the advisory team.
Adam Tarr
Director
Adam leads mortgage product research and broker training. His expertise in adverse credit lending helps clients access specialist mortgage options that mainstream banks cannot provide.
Gemma Farrington
Senior Mortgage Consultant
Gemma specialises in residential mortgages and protection products. She provides tailored advice for first-time buyers and clients needing equity release solutions with empathetic support.
Donna Puncher
Compliance Manager
As CeMAP-certified compliance officer, Donna oversees regulatory adherence and staff training. She ensures all mortgage recommendations meet FCA standards while maintaining client protection.
Agata Skoneczna
Mortgage Advisor
Agata provides multilingual mortgage and insurance advice. She specialises in helping non-UK residents navigate mortgage requirements and documentation processes for domestic properties.
Questions
What mortgage options exist for those with bad credit?
We specialise in adverse credit mortgages through niche lenders. Your eligibility depends on credit history severity, repayment patterns, and current financial stability assessed by our specialists.
How does equity release affect inheritance?
Equity release reduces inheritance value as lenders recover funds from property sale. We explain lifetime mortgage terms and alternative options to help clients make informed decisions.
Can self-employed individuals get mortgage approval?
Yes, we work with lenders accepting self-certification and alternative income verification. Our advisors help prepare documentation to demonstrate financial stability for mortgage applications.
What life insurance coverage do I need?
Coverage depends on dependents, debts, and income replacement needs. Our advisors calculate appropriate sums to cover mortgage payments, childcare costs, and living expenses for your family.
Are commercial mortgages available for new businesses?
We arrange commercial mortgages for businesses with trading histories of 2+ years. Startups may require personal guarantees or alternative security arrangements assessed on a case-by-case basis.
How quickly can income protection claims be processed?
Claims typically process within 4-12 weeks after submitting medical evidence. Our advisors help complete documentation to expedite payments for clients unable to work due to illness.
