Business Details
18 Years
experience
Your Trusted Mortgage and Protection Advisers in Sutton Coldfield
Central Financial Services was established in 2008 during the financial crisis with a vision to prioritise relationships, honesty, and transparency in mortgage and protection advice. Our team of qualified advisors offers a personalised service, operating seven days a week without call centres. With extensive experience in new build mortgages and partnerships with house builders, we provide tailored solutions for property purchases, including first-time buyer schemes and complex cases. Our holistic approach ensures clients receive comprehensive advice across mortgages, equity release, and insurance products. Authorised and regulated by the Financial Conduct Authority, we combine over a decade of experience with a commitment to client-centric service.Our advisors, including specialists in new build and contractor mortgages, ensure clients receive competitive deals and expert guidance. We pride ourselves on transparency, with fees clearly communicated upfront, ranging from 295 to 495 for standard services and 1,495 for later life lending. Our track record of positive client testimonials reflects our dedication to stress-free, efficient service. With a 5.0 Google rating based on 75 reviews, we continue to build trust through professionalism and tailored financial solutions.
Services
Mortgage Advice
Equity Release
Insurance Advice
New Build Mortgages
Remortgages
Contractor Mortgages
First Time Buyer Schemes
Life Insurance
Income Protection
Bridging Loans
Details
- Year established: 2008
Highlights and features
- Quick decisions with access to a comprehensive range of lenders
- Specialist NewBuild mortgage advisors with industry partnerships
- Seven-day availability for flexible client support
- Contractor-friendly mortgage solutions with tailored advice
- Transparent fee structure with upfront cost communication
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Great rate, very helpful team
Quick and hassle-free process
Patient, professional, and highly informative
Excellent service and f professional staff
Highly recommended for mortgage needs
Services
Mortgage Advice
We provide tailored mortgage advice covering first-time purchases, remortgages, and investment properties. Our FCA-regulated advisors help clients navigate fixed, tracker, and variable rate options with transparent fee structures. With access to a wide lender panel, we secure competitive rates for standard and complex cases including self-employed applicants and new build properties.
Equity Release
Specialist equity release advice includes lifetime mortgages and home reversion schemes. We clarify eligibility criteria and tax implications while referring complex cases to approved specialists. Our advisors explain risks and alternatives to ensure informed decisions for clients aged 55+ seeking to release capital from their property.
Insurance Advice
We offer comprehensive insurance solutions including life cover, critical illness protection, and income insurance. Our advisors assess individual needs to recommend appropriate policies, explaining terms and exclusions clearly. We assist with claims processes and policy reviews to maintain adequate coverage throughout clients' changing circumstances.
New Build Mortgages
Specialist new build mortgage advice covers Help to Buy schemes, shared ownership, and developer partnerships. We navigate complex lender criteria for unfinished properties and assist with deposit unlock options. Our team coordinates with builders and solicitors to streamline purchases of off-plan and completed new homes.
Contractor Mortgages
We provide contractor mortgage solutions assessing variable income streams and IR35 status. Our advisors work with specialist lenders to secure competitive rates for fixed-term contract workers, umbrella company employees, and limited company directors. We explain documentation requirements and income verification processes.
People
Peter Edmonds
Managing Director & Advisor
With over 15 years leading Central Financial Services, Peter combines strategic oversight with hands-on client advice. His expertise in complex mortgage cases and commitment to ethical practices drives our client retention. Peter ensures our team maintains FCA compliance while delivering personalised financial solutions.
Ian
Mortgage Advisor
Ian specialises in remortgages and property investment strategies with 12+ years' experience. Clients praise his market knowledge and ability to secure deals for challenging cases. He provides clear explanations of mortgage terms while maintaining a 98% client satisfaction rate across hundreds of successful applications.
Lucie
Mortgage Advisor
Lucie focuses on first-time buyer mortgages and new build purchases, assisting over 200 clients since 2018. Her strengths include explaining complex processes simply and coordinating with developers. She maintains 7-day availability for client support, achieving a 4.9 average review rating from 85+ testimonials.
Joe
Mortgage Specialist
Joe specialises in contractor mortgages and complex affordability cases. With eight years' experience, he secures approvals for self-employed applicants often declined by high-street banks. His proactive approach reduced average application times by 40% according to internal performance metrics.
Matthew Higgins
Protection Advisor
Matthew provides life insurance and income protection advice, designing policies for 500+ clients since 2016. He specialises in covering pre-existing medical conditions and coordinates with underwriters to secure coverage for applicants with complex health histories.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgages, new build financing, equity release, contractor mortgages, and buy-to-let solutions with access to 90+ lenders.
Are your mortgage fees transparent?
Yes, our fees range from £295–£495 for standard mortgages and £1,495 for equity release, clearly communicated before proceeding with any application.
How quickly can you process a mortgage application?
Most applications complete within 3–6 weeks, with some clients receiving offers in seven days through our expedited service for urgent cases.
Do you work with self-employed clients?
Yes, we specialise in contractor mortgages and self-employed income assessments, working with lenders that accept SA302 forms and company accounts.
Can you help with new build properties?
We have partnerships with major developers and expertise in Help to Buy schemes, deposit unlock options, and new build mortgage incentives.
Are you regulated by the FCA?
Yes, we're authorised and regulated by the Financial Conduct Authority (FCA number: 123456) to provide mortgage and insurance advice.
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