Business Details
7 Years
experience
Your Trusted Mortgage & Financial Advisers in Bingley
Discovery Financial was founded in 2019 with a clear mission: to simplify the mortgage and financial planning process while prioritising client needs. Our team brings decades of combined experience from both corporate and independent financial sectors, ensuring clients receive expert guidance tailored to their unique circumstances. We specialise in mortgage solutions for first-time buyers, home movers, landlords, and remortgaging clients, alongside comprehensive protection services including life insurance, critical illness cover, and income protection.Our FCA-regulated services are designed to provide transparency, with a commitment to explaining complex financial products in straightforward terms. Based in Bingley, we serve clients across Yorkshire and beyond through face-to-face consultations or remote support, combining local expertise with national regulatory compliance. Our reputation for honesty and personalised service has been built through consistent client engagement and a focus on long-term relationships rather than one-time transactions.
Services
Mortgage Advice
Life Insurance
Critical Illness Cover
Income Protection
Family Income Benefit
Home Insurance
Details
- Year established: 2019
Highlights and features
- We offer personalised mortgage solutions tailored to individual circumstances
- Our team combines corporate expertise with independent broker flexibility
- FCA-regulated services ensure compliance and client protection
- Comprehensive protection advice covering life insurance and income security
- Local Yorkshire knowledge with nationwide service capability
Associations and certifications
- Financial Conduct Authority
What people say
Personalised approach
Expert guidance
Transparent advice
Services
Mortgage Advice
We provide comprehensive mortgage advice tailored to individual circumstances, covering first-time purchases, remortgaging, buy-to-let investments, and home mover transactions. Our FCA-regulated advisers help clients navigate mortgage options, secure competitive rates, and understand associated costs. With expertise in both residential and investment property financing, we ensure clients make informed decisions aligned with their financial goals.
Life Insurance
Our life insurance solutions offer financial protection for dependants through lump sum payouts upon policyholder death. We advise on decreasing-term policies for mortgage cover, level-term policies for debt-free estates, and whole-of-life policies for inheritance planning. Policies can be structured to protect families, cover educational expenses, or ensure business continuity, with flexible term and sum assured options.
Critical Illness Cover
Critical illness cover provides financial security through lump sum payouts for diagnoses of specified serious conditions. We offer policies covering major illnesses like cancer, heart attacks, and strokes, as well as broader protections for major surgery and family care needs. This insurance helps maintain financial stability during recovery periods by covering mortgage payments, medical expenses, or income replacement.
Income Protection
Our income protection policies replace a portion of earnings during prolonged illness or disability. Designed to cover essential living costs when statutory sick pay or employer benefits are insufficient, these policies offer tailored deferment periods and benefit terms. We help clients structure coverage that aligns with their occupation, financial commitments, and existing employer benefits.
Family Income Benefit
Family income benefit provides ongoing financial support to dependants after policyholder death. This solution ensures regular payments to maintain household stability, covering school fees, daily living expenses, and emotional support periods. Policies can be structured to decrease with mortgage balances or provide fixed-term income streams, offering flexibility for different family circumstances.
People
Ben Sugden
Director and Financial Consultant
With over a decade in finance, including Santander and corporate brokerage roles, Ben established Discovery Financial in 2019. He specialises in mortgage solutions and financial planning, prioritising client-centric service through tailored advice and transparent communication.
Jenni Whitaker
Director and Will Writer
Jenni brings corporate administration experience from Yorkshire Building Society. She manages day-to-day operations and provides specialist will-writing services through Prestige Legal Services, ensuring clients' estate planning aligns with their financial protection strategies.
Questions
What mortgage options do you offer first-time buyers?
We provide tailored mortgage solutions for first-time buyers, including competitive fixed-rate deals, government schemes, and advice on deposit requirements starting from 5%.
How does critical illness cover differ from life insurance?
Critical illness cover pays a lump sum upon diagnosis of specified conditions, while life insurance provides a payout upon death. Both can protect mortgage obligations but serve different risk scenarios.
Are your services regulated?
Yes, we are FCA-regulated through Primis Mortgage Network, ensuring compliance with financial conduct standards for mortgage and protection advice.
Can I get mortgage advice remotely?
We offer remote consultations via phone or video call alongside face-to-face meetings, ensuring accessible advice regardless of client location.
What insurance options help with income security?
We recommend income protection policies that replace earnings during prolonged illness, and family income benefit plans providing ongoing financial support for dependants after death.
How do you handle will-writing services?
Jenni Whitaker provides will-writing through Prestige Legal Services, creating legally sound documents to ensure estate distribution aligns with your financial protection plans.
