Business Details
19 Years
experience
Independent Mortgage & Protection Advisers
E R L Financial is an established team of highly qualified mortgage and protection brokers with over 60 years of combined industry experience. We operate as whole-of-market brokers, providing access to a comprehensive range of UK mortgage products and insurance solutions. Our approach prioritises professional, unbiased advice tailored to individual client needs, supported by a dedicated administrative team. We maintain long-term client relationships through consistent service quality, with 98% of our business originating from client referrals.As an FCA-authorised firm, we adhere to strict regulatory standards while offering free initial consultations and transparent fee structures. Our services span residential and commercial mortgages, equity release, and protection insurance, catering to first-time buyers, property investors, and expatriates.
Services
Mortgage Brokerage
Equity Release
Life Insurance
Protection Policies
Insurance Services
Bridging Loans
Commercial Mortgages
First Time Buyer Support
Remortgaging
Self Build Loans
Details
- Year established: 2007
Highlights and features
- We have over 60 years combined experience in mortgage and protection brokering
- We operate as whole-of-market brokers with access to all UK lenders
- Our 98% client referral rate demonstrates exceptional service consistency
- We provide free initial consultations with no obligation whatsoever
- We are FCA-authorised and regulated for financial services compliance
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Highly recommend
Knowledgeable and dedicated
Stress-free experience
Prompt and friendly
Services
Mortgage Brokerage
We provide independent mortgage brokerage services with access to thousands of UK products. Our FCA-regulated advisers help clients find suitable residential and commercial mortgages, including specialist solutions for self-employed individuals, expatriates, and buy-to-let investors. Our service includes initial consultations, product comparisons, and application support with transparent fee disclosure.
Equity Release
Our equity release specialists help homeowners access tax-free funds from their property. We offer tailored advice on lifetime mortgages and home reversion plans, ensuring clients understand the long-term implications. Our service includes eligibility assessments, product comparisons, and guidance through the legal and financial processes involved in releasing property equity.
Life Insurance
We provide comprehensive life insurance solutions to protect dependants against financial hardship. Our services include term life cover, critical illness cover, and family income benefit policies. We assess individual needs to recommend appropriate coverage levels, ensuring clients understand policy terms, exclusions, and claims processes while maintaining FCA compliance.
Protection Policies
Our protection services include income protection, accident and sickness cover, and critical illness insurance. We help clients safeguard against income loss through tailored policies that consider employment status and financial commitments. Our advice covers policy features, benefit periods, and exclusions to ensure appropriate coverage for individual circumstances.
Insurance Services
We offer comprehensive insurance services including property, landlord, and commercial insurance. Our team evaluates client needs to recommend suitable coverage options with competitive premiums. We provide impartial advice on policy features, excess amounts, and claims procedures while maintaining our FCA-authorised status for financial product recommendations.
People
Christine Mitchell
Managing Director
Christine leads our mortgage advisory team with over 20 years' experience in financial services. She specialises in complex mortgage solutions and client relationship management, maintaining our FCA compliance standards. Christine's expertise ensures clients receive appropriate mortgage and protection recommendations tailored to their specific circumstances.
John
Senior Mortgage Adviser
John provides expert mortgage advice with particular focus on first-time buyers and remortgaging clients. With 15 years' industry experience, he specialises in difficult credit cases and expatriate mortgages. His client-centred approach has contributed to our 98% referral rate through consistent, reliable service delivery.
Jane
Protection Specialist
Jane specialises in life insurance and protection products with 18 years' experience in risk assessment. She helps clients select appropriate coverage levels for their family circumstances, explaining policy terms clearly. Her expertise ensures clients understand the protection options available to safeguard their financial future.
Pippa
Mortgage Consultant
Pippa supports clients through the mortgage application process with particular expertise in first-time buyer schemes. She provides clear explanations of mortgage terms and works closely with solicitors to ensure smooth transactions. Her approachable manner makes complex financial processes more accessible to new buyers.
Sue
Client Services Manager
Sue manages our client administration team, ensuring efficient case progression from application to completion. With 25 years' experience in financial services administration, she coordinates communication between clients, solicitors, and lenders. Her organisational skills maintain our high service standards throughout the mortgage process.
Questions
What mortgage types do you offer?
We provide residential, commercial, buy-to-let, equity release, and specialist mortgages including self-employed and expatriate solutions through our whole-of-market panel.
Are your services free to use?
Initial consultations are free with no obligation. We disclose any applicable fees before starting work, with many clients qualifying for fee-free arrangements through lender incentives.
How do you differ from bank advisors?
As independent brokers, we access all UK lenders rather than restricted product ranges. This allows us to find tailored solutions rather than promoting specific lenders' products.
What protection products do you offer?
We provide life insurance, critical illness cover, income protection, accident and sickness cover, and family income benefit policies tailored to individual needs.
How experienced is your team?
Our advisers have over 60 years combined experience with specialist expertise in complex mortgage scenarios and protection planning, supported by dedicated administration professionals.
Do you charge for insurance advice?
We do not charge fees for arranging insurance products, earning commissions from providers while maintaining impartial recommendations based on client needs assessments.
