Mortgage and Protection Services
Introducing Bovingdons Finance
As part of our ongoing commitment to supporting our clients throughout their property journey, we are pleased to introduce Bovingdons Finance.
Bovingdons Finance provides professional mortgage and protection advice, offering clear, considered guidance tailored to individual circumstances. Our advisers have over 40 years’ combined experience in the mortgage and protection industry, supporting clients across a broad range of lending and insurance needs.
We operate on a whole‑of‑market basis, with access to high‑street banks, private banks and specialist lenders. This enables us to recommend mortgage and protection solutions that are suitable for your needs and objectives, based on a full assessment of your circumstances.
All advice is provided on an advised basis, is personal and transparent, and focuses on identifying the most appropriate options for you — whether you are buying, selling, remortgaging or reviewing your arrangements.
Our Approach & Services
Our Approach
Our advice is:
- Personal and transparent
- Based on a full assessment of your circumstances
- Focused on suitability and long term outcomes
Whether you are buying, selling, remortgaging or reviewing your arrangements, our role is to make the financial side of moving home clearer and more manageable.
Our Services
- Mortgage Health Checks
- Residential & Buy to Let Mortgages
- Specialist & Complex Lending • Short Term Finance
- Later Life & Equity Solutions
- Protection & Insurance
Each service is delivered with the same focus on clarity, suitability and one to one support
Mortgage Health Check
A Mortgage Health Check is a comprehensive review of your existing mortgage and overall borrowing position, designed to ensure your arrangements remain suitable and cost‑effective.
What our Mortgage Health Check includes
- Review of your current mortgage and interest rate
- Assessment of product expiry and future options
- Product transfers with your existing lender
- Further advances for additional borrowing
- Second charge mortgage advice where appropriate
- Affordability and borrowing capacity review
- Consideration of future plans, such as moving or retirement
Why have a Mortgage Health Check?
- Ensure you are not overpaying on your mortgage
- Identify opportunities to reduce monthly costs
- Release equity where appropriate
- Review options without unnecessary disruption
- Gain clarity and confidence in your arrangements
Mortgages
Residential Purchases
Whether you are buying your first home or moving to your next property, we provide clear, advised support on residential mortgages aligned to your budget and longer‑term plans. We explain available options in plain English and manage the process from application through to completion.
First‑Time Buyer Mortgages
Buying your first home can feel complex. We guide first‑time buyers through each stage of the process, including affordability, deposit requirements, mortgage options and relevant government schemes where appropriate, ensuring you feel informed and supported throughout.
Residential Remortgages
If your existing mortgage deal is coming to an end, or you are looking to reduce payments, release equity or change lenders, we review your current arrangements and recommend suitable remortgage options based on your circumstances and objectives.
High Net Worth Mortgages
We provide bespoke mortgage advice for high‑net‑worth individuals with more complex financial arrangements, including multiple income streams, significant assets, international earnings or higher borrowing requirements. We work with private banks and specialist lenders to structure appropriate lending solutions.
Buy to Let & Specialist Mortgages
We offer specialist advice for landlords, from first‑time investors to portfolio landlords. This includes guidance on limited company buy‑to‑let, rental stress testing, portfolio lending and tax‑efficient borrowing structures.
Commercial Mortgages
Our commercial mortgage service covers offices, retail units, industrial properties and mixed‑use buildings. We support clients purchasing, refinancing or expanding business interests, working with lenders to secure funding aligned to commercial objectives.
Foreign National & Expat Mortgages
We specialise in arranging mortgages for foreign nationals and UK expats, including clients with overseas income or non‑UK residency. We work with lenders experienced in international cases to navigate complex criteria and documentation.
Specialist Finance
Bridging Finance
Bridging finance can provide short‑term funding for auction purchases, chain breaks or buying before selling. We advise on both regulated and unregulated bridging solutions, ensuring costs, risks and exit strategies are clearly explained.
Development Finance
We arrange development finance for refurbishment projects, new builds and self‑builds, with funding structured to match build schedules and project scale.
Not all Buy- to let mortgages or bridging finance arrangements are regulated by the FCA. Development finance is not regulated by the FCA. Self-build mortgages are regulated by the FCA.
Later Life & Equity Solutions
For homeowners aged 55 and over, equity release can enable access to tax‑free funds without moving home. We assist with lifetime mortgages and lending solutions for retirement, and works with specialist equity release partner firms to provide support with equity release.
Protection & Insurance
Life Insurance
Life insurance can help protect your loved ones financially. We advise on cover aligned with your mortgage commitments, family circumstances and long‑term goals.
Critical Illness Cover
Critical illness insurance provides a lump‑sum payment on diagnosis of specified serious illnesses, helping support mortgage payments, household costs or lifestyle adjustments.
Why Choose Bovingdons Finance?
We work with a wide panel of lenders across the market. From high street banks to specialist and private funding. Giving you access to the right solution for your circumstances.
Experienced in structuring straightforward and complex cases. From high-value lending to non-standard income and assets. Handled with discretion from initial enquiry through to completion.
Straightforward guidance without unnecessary complexity. We explain your options clearly and transparently. So you can make informed decisions with confidence.
We manage the process from application to completion. Liaising with lenders, solicitors and all relevant parties. Ensuring a smooth, efficient and well-managed experience.
Advice is always provided on a personal, one‑to‑one basis, with time taken to explain options clearly and answer any questions.
Our aim is to provide access to trusted, professional financial advice, delivered with the same care and attention you expect from Bovingdons.