Business Details
12 Years
experience
Independent Mortgage Brokers Lincoln
Concise Financial Solutions, established in Lincoln in 2014, provides independent mortgage and protection advice across the UK. Our expertise spans residential and buy-to-let mortgages, equity release, and insurance products, supported by strategic partnerships with Stonebridge Group to access thousands of exclusive mortgage products. With a client-centric approach, we offer tailored advice through flexible communication channels, ensuring transparency and clarity throughout the process. Our team of qualified advisers, including Tom Jackson and Barry Gray, combines decades of industry experience with a commitment to ongoing professional development. We prioritise understanding individual client needs, delivering comprehensive solutions that align with personal circumstances and financial goals. Our services are underpinned by regulatory compliance through our Appointed Representative status with Stonebridge Mortgage Solutions Ltd, authorised by the Financial Conduct Authority.We maintain strong relationships with leading insurance providers to offer bespoke protection plans, ensuring clients and their families are safeguarded against unforeseen events. Our fee structure is transparent, with initial consultations offered at no obligation, and we maintain rigorous quality standards through continuous process improvement. Customer testimonials consistently highlight our professionalism, responsiveness, and ability to simplify complex financial processes. With a proven track record in both first-time buyer support and sophisticated property finance solutions, we have established ourselves as trusted advisors in the Lincolnshire market.
Services
First Time Buyers
Buy To Let
Remortgage
Equity Release
Life Cover
Critical Illness
Income Protection
Home Insurance
Landlords Insurance
Details
- Year established: 2014
Highlights and features
- We offer whole-of-market mortgage solutions with access to exclusive products
- Our advisers hold professional qualifications including DipPFS and CII certifications
- We provide transparent fee structures with no obligation initial consultations
- Our team has over 25 years combined experience in property finance
- We maintain FCA regulatory compliance through Stonebridge Mortgage Solutions Ltd
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Professional and reassuring
Exceptional service
Highly recommended advisors
Seamless process
Excellent communication
Services
First Time Buyers
Our structured 10-step support service guides first-time buyers through the complete mortgage process. We explain all available schemes, repayment methods and costs while providing market-specific advice. Our advisers help clients understand affordability criteria and prepare necessary documentation, ensuring they secure the most suitable mortgage product for their circumstances and future plans.
Buy To Let
We develop personalised property investment strategies considering clients' financial goals and risk profiles. Our service includes market analysis, cashflow projections and portfolio diversification advice. We help investors navigate tax implications, landlord insurance requirements and regulatory considerations while sourcing competitive buy-to-let mortgage products tailored to their investment strategy.
Equity Release
Our equity release specialists provide clear explanations of lifetime mortgage options and home reversion plans. We assess clients' retirement income needs while considering inheritance implications. We work with specialist providers to find solutions that balance financial requirements with long-term care planning, ensuring clients understand all associated risks and benefits.
Life Cover
We offer comprehensive life insurance solutions that protect dependants in case of premature death or terminal illness diagnosis. Our advisers assess appropriate coverage amounts and policy terms based on clients' financial commitments and family circumstances. We source policies from leading providers with flexible payout options to meet individual protection needs.
Income Protection
Our income protection policies provide financial security through regular payments if illness or injury prevents work. We help clients understand policy definitions, deferment periods and benefit amounts. We source comprehensive coverage that replaces up to 70% of income while considering existing employer benefits and state support.
People
Tom Jackson
Financial Adviser
BSc (Hons) DipPFS qualified mortgage expert with 25+ years' experience. Specialises in property finance solutions and equity release. Previously worked in estate agency before establishing Concise Financial Solutions in 2014.
Barry Gray
Financial Adviser
Certs CII (MP & ER) qualified adviser with 20+ years' experience in residential mortgages and protection. Joined Concise in 2015 after successful career at Pygott & Crone. Specialises in first-time buyer support and complex mortgage cases.
Sue Howsam
Administrator
Former Barclays Bank assistant branch manager with 23 years' customer service experience. Manages client communications and coordinates with lenders, solicitors and estate agents to ensure smooth transaction processes.
Lisa Jackson
Administrator
Experienced childcare professional with management background. Applies organisational skills to support mortgage applications and client documentation processes while ensuring regulatory compliance.
Questions
Are you regulated by the Financial Conduct Authority?
We operate as Appointed Representatives of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 620714).
What mortgage fees do you charge?
Our mortgage arrangement fee is transparently disclosed upfront, with a maximum charge of £495. We provide detailed cost breakdowns during initial consultations with no obligation to proceed.
How do you find the best mortgage rates?
Through our strategic relationship with Stonebridge Group, we access thousands of mortgage products across the whole market, including exclusive deals unavailable on the high street.
Can you help with Help to Buy schemes?
We specialise in Government-backed Help to Buy schemes, providing expert advice on eligibility criteria, application processes and long-term implications of equity loans.
What protection products do you offer?
We provide comprehensive protection solutions including life cover, critical illness insurance and income protection policies from leading providers, tailored to individual circumstances and financial commitments.
How experienced are your mortgage advisers?
Our team holds professional qualifications including DipPFS and CII certifications, with combined experience exceeding 50 years in property finance and mortgage advisory services.
