Business Details
28 Years
experience
Trusted Mortgage Brokers in Gillingham
Established in 1998, Graham Thomas Financial Management is a family-run business dedicated to providing expert mortgage, equity release, and protection advice. Our approach combines personalized service with professional market knowledge, offering home visits or virtual meetings to discuss individual needs. As an Appointed Representative of Stonebridge Mortgage Solutions Ltd, we operate under the Financial Conduct Authority's regulation, ensuring compliance with industry standards.We charge a transparent 275 fee for mortgage advice, payable only on completion. Our team prioritizes client trust, delivering tailored solutions while maintaining a commitment to clear communication and informed decision-making. With over two decades of experience, we support clients through every stage of their property journey, from first-time purchases to retirement planning.
Services
Mortgage Advice
Equity Release
Life Insurance
Critical Illness Cover
Income Protection
Buy-to-Let Mortgages
Remortgage Services
Family Income Benefit
Relevant Life Plan
Details
- Year established: 1998
Highlights and features
- We have over 25 years of experience in mortgage advisory services
- Our business operates under FCA regulation for client protection
- We offer personalized home visits and virtual consultations
- Transparent fee structure with a 275 mortgage advice charge
- We provide access to products from over 70 lenders
Associations and certifications
- Financial Conduct Authority
What people say
Excellent advice given
Highly recommend adviser
Outstanding expertise
Very knowledgeable
Prompt service
Services
Mortgage Advice
We provide comprehensive mortgage advisory services tailored to individual circumstances. Our FCA-regulated team helps clients access competitive deals from over 70 lenders. Whether you're a first-time buyer, home mover, or investor, we guide you through the application process while explaining all terms clearly.
Equity Release
Specialist equity release advice helps clients access property value for retirement needs. We explain lifetime mortgages and retirement interest only options, ensuring clients understand implications. Funds can be used for home improvements, debt repayment, or lifestyle enhancements while maintaining home ownership.
Life Insurance
Our life insurance policies provide financial protection for dependants through lump sum or regular income payments. We explain different policy types including critical illness cover and family income benefit, ensuring clients understand conditions and exclusions before making commitments.
Buy-to-Let Mortgages
We offer specialist advice for property investors seeking buy-to-let mortgages. Our services include portfolio reviews and access to competitive deals. We explain regulatory requirements and help investors understand potential returns while considering repossession risks from missed payments.
Income Protection
Our income protection policies safeguard against loss of earnings from illness or injury. We help clients select appropriate coverage levels and explain policy terms. This protection maintains lifestyle standards during periods of work incapacity through regular income payments.
People
Graham Thomas
Principal
With over 25 years in mortgage advisory services, Graham Thomas leads our team with expertise in residential and retirement finance. He specialises in complex mortgage solutions while maintaining a client-focused approach to financial planning.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let solutions, and retirement interest only mortgages. Our FCA-regulated advice covers over 70 lenders' products.
How much do your mortgage services cost?
Our mortgage advice fee is £275, payable only on completion of the transaction. This covers full advisory services and product comparison.
Do you offer home visits?
Yes, we provide home visits for mortgage and equity release consultations across Kent, ensuring convenient access to our financial advisory services.
Are you regulated by financial authorities?
We operate as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, authorised and regulated by the Financial Conduct Authority (reference 187954).
What protection services do you provide?
We offer life insurance, critical illness cover, income protection, family income benefit, and relevant life plans to safeguard financial security.
Can you help with equity release?
Yes, we provide specialist equity release advice including lifetime mortgages and retirement interest only options, explaining all implications clearly.
