Business Details
Expert Mortgage Brokers in Sawbridgeworth | A G A Mortgages
A G A Mortgages, established in Hertfordshire and Essex, has over two decades of expertise in mortgage and protection advice. Our team combines extensive qualifications with practical experience to simplify complex financial processes, exceeding client expectations. As an appointed representative of Mortgage Intelligence Ltd, authorised and regulated by the Financial Conduct Authority, we offer access to a diverse range of lenders and exclusive products.Our advisers, including Alex Groom, Ben Edwards, Jenny Reeves, and Lee Kempthorne, provide dedicated, client-focused service tailored to individual circumstances. We prioritise transparency, offering fee structures contingent on successful outcomes rather than upfront charges. Our commitment to quality is reinforced by coverage under the Financial Ombudsman Service for unresolved complaints.
Services
Mortgages
Lifetime Mortgages
Protection Plans
Life Insurance
Critical Illness Cover
Highlights and features
- We offer access to 1000s of mortgage products from diverse lenders.
- Our advisers provide tailored insurance packages for comprehensive protection.
- We charge fees only upon successful mortgage offer or completion.
- Dedicated advisers guide clients through the entire mortgage process.
- Exclusive mortgage deals unavailable on the high street are accessible.
Associations and certifications
- Financial Conduct Authority (FCA)
- Equity Release Council
What people say
Expert mortgage advice
Personalised service
Successful outcomes
Tailored solutions
Dedicated advisers
Services
Mortgages
A G A Mortgages offers a comprehensive range of mortgage solutions tailored to individual needs, including first-time buyer schemes, remortgages, and buy-to-let options. Our access to thousands of products ensures competitive rates, with exclusive deals unavailable on the high street. Expert advisers guide clients through every step, prioritising transparency and long-term financial planning.
Lifetime Mortgages
Specialist lifetime mortgages enable homeowners over 55 to release equity while retaining property ownership. Approved by the Equity Release Council, these products include flexible payment options and inheritance protection. We provide impartial advice to ensure solutions align with retirement goals and family considerations, with no negative equity guarantees.
Life Insurance
Our life insurance policies provide financial security for dependants through lump-sum payouts or income replacement. Options include level term, decreasing term, and family income benefit plans. Policies can be structured into trusts for estate planning efficiency, with reviews available to optimise coverage as circumstances change.
Critical Illness Cover
Critical illness cover offers lump-sum payouts for diagnosed conditions like cancer or heart disease, ensuring mortgage and living costs remain manageable. We access enhanced policy terms from leading providers and offer free reviews to maintain optimal coverage. Claims support is provided to navigate the process smoothly.
Income Protection
Income protection policies replace a portion of earnings during periods of illness or disability, safeguarding financial stability. Policies are customised to occupation and lifestyle, with options for short-term or long-term coverage. We advise on tax-efficient structures and coordinate with providers to expedite claims.
People
Alex Groom
Owner
Alex Groom, with a finance career since 1997, founded A G A Mortgages after experience in investment banking and fund management. He specialises in tailored mortgage solutions, prioritising client needs while balancing family life and fitness.
Ben Edwards
Mortgage Adviser
Ben Edwards, joining AGA in 2015, serves clients nationwide with a client-centric approach. He focuses on complex cases, offering honest advice and support throughout the mortgage journey, ensuring accessibility and transparency.
Jenny Reeves
Mortgage Adviser
Jenny Reeves, a specialist in adverse credit and complex income mortgages, joined AGA with a decade of experience. She prioritises long-term client relationships, offering strategic advice for first-time buyers and investors.
Lee Kempthorne
Mortgage Adviser
Lee Kempthorne, CeMAP accredited since 2006, joined AGA in 2022. He provides conscientious advice across diverse client circumstances, combining mortgage expertise with a focus on client support and sporting activities.
Questions
What mortgage options are available for first-time buyers?
We offer first-time buyer mortgages including shared ownership and guarantor schemes, with expert guidance to simplify the purchasing process.
Can I remortgage with bad credit?
Yes, we specialise in adverse credit mortgages, helping clients secure competitive rates despite past financial challenges.
How does lifetime mortgage interest work?
Interest can be paid voluntarily or rolled up, with fixed rates ensuring predictability. No payments are required, and equity release includes inheritance protection options.
What insurance policies protect my mortgage?
Life insurance, critical illness cover, and income protection policies safeguard mortgage payments during unforeseen circumstances, tailored to your family's needs.
Are there fees for initial consultations?
No, we provide free 30-minute consultations to discuss your mortgage or insurance requirements without obligation.
