Mayfair Financial

Business Details

16 Years

experience

Your Trusted Mortgage & Protection Partner in Epsom

Mayfair Financial has been dedicated to providing tailored mortgage and protection solutions since its establishment. With over 25 years of combined experience in the financial services industry, our team specialises in navigating the complexities of mortgage markets and insurance products to meet individual client needs. We pride ourselves on offering a personal service that prioritises client understanding and confidence throughout the entire process. Our commitment to transparency ensures clients receive clear explanations of all financial commitments and protection options.

By maintaining strong relationships with a comprehensive panel of lenders and insurance providers, we deliver competitive solutions that adapt to evolving market conditions. Our reputation, built through word-of-mouth referrals and client satisfaction, reflects our dedication to exceeding expectations in financial advisory services. We operate from our Epsom office while serving clients across London and the South East region.

Services

Mortgage Advice Buy-to-Let Mortgages First Time Buyer Mortgages Self-Employed Mortgages Contractor Mortgages Remortgaging Protection Planning Income Protection Critical Illness Cover Life Insurance

Details

Year established: 2010

Highlights and features

Award-winning brokers with 25+ years industry experience
Access to exclusive mortgage deals from 1000+ lenders
Specialist advice for contractors and self-employed clients
Transparent fee structure with no upfront costs
Comprehensive protection planning alongside mortgage solutions

Associations and certifications

Financial Conduct Authority
First Complete Network

What people say

Pro-active and prompt service Flexible and rapid responses Highly responsive and patient Instrumental in complex purchases Transparent and reliable support

Website

Update Listing

Services

Mortgage Advice

Our mortgage advisory service provides comprehensive guidance for residential and buy-to-let properties. We specialise in helping first-time buyers, contractors, and self-employed individuals navigate the mortgage process. With access to a wide panel of lenders, we secure competitive rates tailored to individual circumstances while maintaining full transparency about fees and requirements throughout the transaction.

Buy-to-Let Mortgages

Specialist buy-to-let mortgage solutions for property investors. We offer expert guidance on portfolio management, tax-efficient structures, and landlord responsibilities. Our service includes rental income assessment, stress testing, and access to exclusive landlord insurance products. We maintain relationships with specialist buy-to-let lenders to secure optimal financing solutions for both novice and experienced property investors.

Protection Planning

Comprehensive protection planning covering life insurance, critical illness cover, and income protection. We assess individual needs to create tailored protection strategies that safeguard against financial hardship. Our service includes policy comparison, benefit analysis, and ongoing review to ensure coverage evolves with changing life circumstances, providing peace of mind for clients and their families.

Self-Employed Mortgages

Tailored mortgage solutions for self-employed individuals and company directors. We specialise in navigating complex income structures, including dividend payments and retained business profits. Our expertise covers multiple-year trading histories, limited company accounts, and contractor mortgages, ensuring access to competitive lending options that traditional banks often overlook.

Remortgaging

Expert remortgaging service to help clients secure better rates or release equity. We conduct detailed market analysis to identify optimal timing for remortgaging, considering early repayment charges and potential savings. Our process includes valuation coordination, legal transfers, and negotiation with lenders to ensure seamless transitions to more favourable mortgage terms.

People

Barry Francis

Director and Financial Adviser

With 19 years at HSBC followed by mortgage advisory experience since 1995, Barry holds Chartered Institute of Bankers qualifications and Mortgage Advice Certifications. He specialises in tailored mortgage planning for complex cases and leads the company's strategic direction while maintaining hands-on client advisory responsibilities.

Jamie Beer

Mortgage Adviser

Qualified since 2005 with expertise in sports professionals and contractor mortgages. Jamie combines detailed market knowledge with personalised service, managing complex cases involving multiple lenders and special circumstances while maintaining exceptional client satisfaction ratings across his career.

Darren Dawe

Completions Manager

Former retail business owner with specialist knowledge in complex mortgages and portfolio management. Darren focuses on resolving challenging cases, leveraging his dual expertise in mortgage processes and life protection coverage to deliver comprehensive solutions for clients with intricate requirements.

Sarah Dawe

Administration Manager

Responsible for post-completion client liaison and operational efficiency since joining in 2012. Sarah ensures smooth communication between clients and service providers, managing administrative processes with attention to detail while maintaining the company's high service standards throughout the customer journey.

Questions

What mortgage options exist for self-employed individuals?

We specialise in self-employed mortgages requiring one or two years' accounts, accepting salary/dividend combinations and retained business profits. Our lender panel accommodates sole traders, partnerships, and limited company directors with tailored affordability assessments.

How do buy-to-let mortgages differ from residential loans?

Buy-to-let mortgages assess affordability based on projected rental income (typically 125-145% of mortgage payments). We access specialist lenders offering competitive rates while advising on tax implications, landlord insurance, and portfolio management strategies.

What protection products should homeowners consider?

Essential protection includes life insurance matching mortgage terms, critical illness cover for major health events, and income protection against long-term unemployment. We tailor packages considering family circumstances and existing coverage to prevent financial hardship.

Can first-time buyers access 95% loan-to-value mortgages?

Yes, we arrange 95% LTV mortgages for first-time buyers through government-backed schemes and specialist lenders. Our advice covers eligibility criteria, deposit requirements, and long-term affordability considerations to ensure sustainable homeownership.

How does the mortgage application process work?

We begin with a comprehensive fact-find to understand your circumstances, followed by market analysis to identify suitable products. We coordinate valuations, instruct legal transfers, and manage lender communications throughout the process while maintaining regular client updates.

Reviews (4)

Write a Review

Becky Adkins

Feb 13, 2022 Report

My boyfriend and I have just purchased our first home and we used Mayfair Financial as our mortgage brokers. They made the complex house buying process so much easier and smoother than we were expecting it to be! As first time buyers, we naturally had a lot of questions and both Jamie and Barry were always willing to help. I cannot thank them enough for their advice and guidance throughout. I would highly recommend Mayfair Financial to anyone purchasing a home!

Kathryn Forde

Jun 22, 2021 Report

I will be completing on my first home in a few days and Barry and Darren have given the best service I could ask for! Darren has been there to answer any questions, always responds very fast, and has been extremely informative and helpful. Will definitely be recommending to any friends or family looking to buy a house.

G. L.

Jan 15, 2021 Report

We cannot praise enough Mayfair for their profesionalism in helping us get our first home. Darren has been absolutely sensational and helpful thorough what should have been a stressful process. He made everything easy and worry free for us.

Laura Chalke

Dec 08, 2019 Report

I would highly recommend the Mayfair Financial service, Barry and his team give invaluable advice in a comfortable and friendly environment 5 stars!