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01646 650 004



Non Investment Services

For personal clients we offer mortgage & equity release services, we also offer commercial finance solutions to corporate clients




Many of our clients, have either their own home and or buy to let properties that of course all link into their finances as a whole. As we are also qualified in mortgages and equity release which means we can take a holistic view of our clients finances, without them needing to visit both a financial wealth manager and a mortgage adviser separately.


  • As we are independent we search thousands of mortgages not just from a ‘selection’ or ‘panel’ of lenders but from the majority of the lenders in the UK.


  • We co-ordinate dealing with the lenders, solicitors and surveyors on your behalf to help get your mortgage completed.


To find out more about our mortgage service, call without obligation on 0800 0199 747 or 01646 650 004


Your home maybe repossessed if you do not keep up repayments on your mortgage


Equity Release


This is a specialist area of advice - Freedom Equity Release is a trading style of Willcox Financial Ltd.


Equity Release may involve a lifetime mortgage or home reversion scheme. For the features and risks ask for a personalised illustration.


• Please click here to be forwarded to our equity release site


The Main Application Steps For Mortgages & Equity Release




We will provide you with independent advice following a fact-finding session. Once we are satisfied that we can provide a suitable product we will  research the market for you and provide you with our recommendations in writing. If you are then happy and wish to proceed we will assist in completing an application and provide you with a copy.




The lender will organise an independent valuer to assess your home and determine its market value. If you are buying a home, you should get a 'RICS' surveyor to ensure you are fully informed of the condition of the property you intend purchasing.


The Legal Process


You should appoint your own independent solicitor who will act on your behalf throughout and ensure that you understand the process at every step. Cheapest is rarely best in the world of conveyancing.


Mortgage & Equity Release Advice Fees


You can pay for our mortgage services by:


  1. A fee
  2. Lender fee (where this is available)
  3. A combination of fee and lender fee


We will provide you with a separate ’Key Facts about our services’ document detailing the mortgage services we offer and the costs of those services.


There may be a fee for mortgage advice. The precise will amount will depend on your circumstances but we estimate it will be £250.00 on a £100,000.00 mortgage


The FCA does not regulate some forms of Buy to Let mortgages


The value of investments can go down as well as up and you may receive back less than you originally invested.

Registered in England and Wales: 4170932


Registered Address:

The Pinnacle, 25 Sageston Fields, Sageston, Tenby, SA70 8TG


Tel: 01646 650 004     Email:

Financial Conduct Authority

Click here to see our FCA register.

Willcox Financial Limited is an appointed representative of Sense Network Ltd, which is authorised and regulated by the Financial Conduct Authority.

This site is intended for UK consumers only. The information contained in this website is for general information only and is not financial, investment or tax advice


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