Business Details
14 Years
experience
Expert Mortgage Brokers in Mirfield, West Yorkshire
Echo Finance is a whole-of-market mortgage, later life, protection, and home finance brokerage established in 2012. Our team of over 40 qualified advisers provides bespoke financial solutions across the UK, specialising in residential, commercial, and specialist mortgages, insurance, and equity release. As an independent firm regulated by the Financial Conduct Authority, we prioritise transparency, offering access to exclusive deals from all major UK lenders.Our commitment to long-term client relationships is supported by advanced software that ensures proactive service, including timely remortgage reminders. With a strong reputation evidenced by 4.9/5.0 average reviews, we combine industry expertise with a customer-centric approach to deliver tailored financial advice.
Services
Residential Mortgages
Bad Credit Mortgages
Equity Release
Commercial Mortgages
Insurance Services
Details
- Year established: 2012
Highlights and features
- 40+ qualified mortgage advisers with CeMAP/CeRER certifications
- Whole-of-market access to 109+ lenders including exclusive deals
- Free initial consultation with no obligation to proceed
- Proactive remortgage reminders via advanced client management software
- Award-winning customer service with 4.9/5.0 average review ratings
Associations and certifications
- Financial Conduct Authority
What people say
Fast amazing service
Personable and professional
Dedicated can-do approach
Highly proactive
Excellent communication
Services
Residential Mortgages
We provide comprehensive residential mortgage solutions for first-time buyers, homemovers, and remortgagers. Our FCA-regulated advisers help clients secure competitive rates across fixed, tracker, and variable rate products. With access to 109+ lenders, we specialise in finding tailored solutions for standard and complex cases, including self-employed applicants and those with adverse credit histories.
Bad Credit Mortgages
Our specialists assist clients with impaired credit histories to secure mortgage financing. We work with niche lenders offering products for applicants with CCJs, defaults, or bankruptcy histories. Through our whole-of-market approach, we identify lenders most likely to approve applications based on individual circumstances, including providing detailed affordability assessments and rehabilitation timelines.
Equity Release
We offer regulated equity release advice for homeowners aged 55+. Our CeRER-qualified advisers explain lifetime mortgage options and home reversion plans, ensuring clients understand the financial implications. We compare offers from multiple providers to secure competitive rates while explaining alternatives like downsizing or retirement interest-only mortgages.
Commercial Mortgages
Our commercial finance team arranges mortgages for business premises, investment properties, and development projects. We access specialist lenders offering flexible terms for limited companies, landlords, and entrepreneurs. Services include portfolio financing, auction finance, and bridging loans, with support for complex cases requiring bespoke structuring or high loan-to-value ratios.
Insurance Services
We provide life, critical illness, and income protection policies tailored to mortgage holders. Our advisers compare products from major insurers to find appropriate coverage levels and terms. We specialise in arranging policies that meet lender requirements while addressing personal circumstances, including pre-existing medical conditions and self-employment status.
People
Lee Trett
Co-Founder & Senior Manager
Lee co-founded Echo Finance in 2012 and specialises in residential mortgages and equity release. Holding CeMAP and CeRER qualifications, he has provided mortgage advice since 2007, focusing on first-time buyers and homemovers while ensuring regulatory compliance.
John Tarazi
Co-Founder & Director
John co-founded Echo Finance in 2012 and oversees brand operations. With Cert CII (MP) and CeRER qualifications, he specialises in bad credit mortgages and buy-to-let financing, bringing expertise in complex finance solutions to the team.
Questions
What services does Echo Finance offer?
We provide residential and commercial mortgages, equity release, insurance, and specialist mortgage solutions for clients with adverse credit histories across the UK.
Are your mortgage advisers qualified?
All our advisers hold industry-recognised qualifications including CeMAP, CeRER, and Cert CII, and work with FCA-authorised partner firms.
How long does a mortgage application take?
We can secure agreement in principle within minutes, with full applications typically taking 14 days from submission to approval.
Do you charge fees for mortgage advice?
Your initial consultation is free with no obligation. Any subsequent fees are either fixed or a percentage of the mortgage amount, disclosed upfront.
Can you help with bad credit mortgages?
Yes, we specialise in mortgages for clients with CCJs, defaults, bankruptcy, or repossession histories through specialist lenders.
Do you offer face-to-face appointments?
While we primarily operate remotely, we can arrange in-person meetings with local advisers where available and appropriate.
