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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 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


01646 650 004

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


Willcox Financial Ltd

The Pinnacle, 25 Sageston Fields

Sageston, Tenby SA70 8TQ


Tel: 01646 650 004





Registered in England and Wales: 4170932


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.


Financial Conduct AuthorityClick here to see our FCA register

Copyright 2019. Willcox Financial Ltd