Business Details
37 Years
experience
Your Trusted Mortgage Advisers in Reading
Established in 1989, our team of highly qualified mortgage and protection advisers has provided impartial, client-focused advice across Berkshire, North Hampshire, and South Oxfordshire for over three decades. As associate members of the Society for Mortgage Professionals and holders of 150+ five-star Google reviews, we combine technical expertise with a commitment to long-term client relationships. Our evening appointments and exclusive mortgage products unavailable on the high street reflect our dedication to accessibility and tailored solutions.With over 40 years of cumulative experience, we prioritise transparency, ensuring clients understand all aspects of their mortgage journey while maintaining compliance with UK regulatory standards through our association with the Financial Conduct Authority.
Services
Mortgages
Protection Policies
Life Assurance
Critical Illness Cover
Income Protection
Buy to Let
Remortgage
First Time Buyers
Adverse Credit
Landlords Insurance
Details
- Year established: 1989
Highlights and features
- Over 40 years' combined mortgage advisory experience
- 150+ five-star Google reviews from satisfied clients
- Fully qualified and FCA-regulated advisers
- Exclusive mortgage products unavailable on the high street
- Evening appointments for client convenience
Associations and certifications
- Society for Mortgage Professionals (SMP)
- Financial Conduct Authority (FCA)
What people say
Friendly professionals
Extremely knowledgeable
Seamless efficient service
Excellent service
Highly recommended
Services
Mortgages
We provide comprehensive mortgage advisory services tailored to first-time buyers, home movers, and buy-to-let investors. Our FCA-regulated advisers access exclusive products unavailable on the high street while offering impartial guidance on residential and commercial mortgages. With evening appointments and a one-point contact system, we ensure seamless support throughout the application process.
Protection Policies
Our specialist advisers help clients select appropriate protection policies including life assurance, critical illness cover, and income protection. We assess individual needs to recommend policies that provide adequate financial security while explaining policy terms and premium requirements in clear, accessible language.
Remortgage
We assist homeowners in securing better mortgage terms through remortgaging solutions. Our team analyses existing agreements to identify savings opportunities, leveraging relationships with multiple lenders to negotiate competitive rates while ensuring clients understand all associated risks and benefits.
First Time Buyers
Tailored support for first-time buyers navigating the mortgage process. We explain different mortgage types, help calculate affordability, and guide clients through documentation requirements. Our advisers provide ongoing support from initial application to completion, ensuring clients feel confident in their financial commitments.
Adverse Credit
We offer expert guidance for clients with adverse credit histories seeking mortgage solutions. Our advisers assess individual circumstances to identify lenders willing to consider applications with past credit issues, providing clear explanations of eligibility criteria and improving approval chances through strategic applications.
People
Craig Power
Director
With 20 years' experience at Village Financial Services, Craig became director in 2015 after starting as a trainee. He specialises in complex mortgage cases and maintains professional qualifications in financial services.
Luke Spires
Mortgage Advisor
Luke has provided mortgage and protection advice since 2015, joining Village Financial Services in 2021. He holds relevant financial advisory qualifications and focuses on first-time buyer mortgages.
Michelle Helmore
Office Manager
Michelle has managed office operations since joining in 2008. She oversees administrative processes and client database management with over 15 years' experience in financial services administration.
Lisa Brown
Para-planner
Lisa has supported mortgage advisers as a para-planner since 2015. She provides back-office research and documentation support while maintaining professional standards in mortgage compliance.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, adverse credit mortgages, and protection policies including life assurance and critical illness cover.
Are you regulated by the Financial Conduct Authority?
Yes, we operate as an appointed representative of PRIMIS Mortgage Network, which is authorised and regulated by the Financial Conduct Authority.
Do you charge fees for mortgage advice?
Our standard fee is £249, with potential additional charges up to £551 for complex cases requiring extra work as outlined in our terms.
What areas do you cover?
We primarily serve Berkshire, North Hampshire, and South Oxfordshire from our Reading-based office.
Can you help with complex mortgage cases?
Yes, our advisers specialise in handling complicated remortgaging and adverse credit scenarios, as evidenced by multiple client testimonials.
