Business Details
Your Trusted Mortgage Adviser in Lincoln
Andrew Harrod Financial Services has been providing independent mortgage advice for over 30 years. Founded by Andrew Harrod, a former national lender manager with extensive industry experience, we specialise in whole-of-market mortgage solutions tailored to individual client needs. Our team holds advanced professional qualifications including CeMAP and FPC, ensuring expert guidance through complex housing finance decisions.We maintain regulatory compliance through annual industry examinations and operate under Data Protection Act and Consumer Credit Licence registrations. Our approach combines deep local market knowledge with comprehensive budgeting support, helping clients navigate all aspects of property transactions from first-time purchases to buy-to-let investments.
Services
Mortgage Advice
First-Time Buyer Mortgages
Home Mover Mortgages
Buy-To-Let Mortgages
Remortgaging
Protection Insurance
Budget Planning
Mortgage Searches
Application Support
Market Analysis
Highlights and features
- We offer 30+ years of mortgage industry expertise
- Our whole-of-market advice covers all major lenders
- Certified CeMAP and FPC qualified professionals
- Personalised budgeting support for property transactions
- FCA-regulated independent mortgage advisory service
Associations and certifications
- Financial Conduct Authority
What people say
Stress-free process
Professional and helpful
Excellent service
Knowledgeable guidance
Prompt assistance
Services
First-Time Buyer Mortgages
Specialised mortgage solutions for first-time property purchasers. We guide clients through deposit requirements, available schemes, and budgeting considerations. Our daily updated market analysis ensures access to competitive rates starting from 5% deposits, with comprehensive support through the entire purchasing process.
Buy-To-Let Mortgages
Tailored financing for property investment ventures. We explain rental income requirements, deposit thresholds, and interest rate considerations. Our advice covers regulatory requirements, tax implications, and long-term investment strategies for successful property portfolio management.
Remortgaging Services
Expert guidance for homeowners seeking better mortgage terms. We analyse current deals, calculate potential savings, and consider early repayment charges. Our market-wide comparisons help clients decide whether to stay with their existing lender or switch to a more favourable arrangement.
Protection Insurance
Comprehensive risk management solutions for mortgage holders. We explain life insurance, critical illness cover, and income protection options. Our advice ensures clients understand different policy types, including decreasing term assurance and income protection plans, to safeguard their property investments.
Mortgage Application Support
End-to-end support for mortgage applications. We help complete documentation, explain lender criteria, and coordinate with solicitors. Our service includes budget planning tools and detailed explanations of associated costs to ensure clients meet lender requirements successfully.
People
Andrew Harrod
Director
With over 30 years in mortgage advisory, Andrew previously managed a national lender before establishing his independent practice. He holds CeMAP and FPC qualifications, maintains annual industry exams, and specialises in whole-of-market mortgage solutions for Lincolnshire residents.
Questions
What mortgage types do you offer?
We provide advice on all major mortgage types including repayment, interest-only, fixed-rate, tracker, cashback, and buy-to-let mortgages.
Are your mortgage fees transparent?
Yes, our fees are clearly explained upfront. Typical charges range from £145–£395 application fees and 0.3%–1% of the loan amount.
Do you help first-time buyers?
Yes, we specialise in first-time buyer mortgages with expert guidance on deposit requirements, government schemes, and budgeting considerations.
Can you assist with remortgaging?
Yes, we review existing mortgages, compare market rates, and help clients decide whether to stay with their current lender or switch deals.
What protection insurance options exist?
We offer life insurance, critical illness cover, income protection, and mortgage payment protection insurance tailored to individual circumstances.
Which areas do you cover?
We primarily serve Lincoln and Gainsborough, with clients across Lincolnshire and beyond through our online mortgage search platform.
