Always first class advice and service with prompt attention at a cost effective level. No hesitation in using Johns services in the future. Mr and Mrs Stroyd.
Proud to be helping people with their Specialist Mortgage needs whether they are working or retired
John is an experienced mortgage and insurance adviser with a strong background in retail banking and financial services. After many years working within the banking and insurance sector, he now focuses on what he enjoys most — helping people find the right home and the right mortgage solution for their stage of life.
John is fully qualified in equity release and is a member of the Equity Release Council, specialising in later-life and retirement mortgage solutions. He provides clear, thoughtful advice to clients exploring options such as equity release, retirement interest-only mortgages, and remortgaging in later life.
Taking a patient and educational approach, John ensures clients fully understand their choices before making any decisions. He supports clients across the UK, offering tailored mortgage, protection, and insurance advice that reflects both their current needs and long-term plans.
Proud to help clients with the following services
John regularly supports clients with the following mortgage needs, providing clear, practical advice at every stage.
Helping first-time buyers understand the process, secure an Agreement in Principle, and buy with confidence — with clear guidance from start to finish.
Supporting clients who are moving home, coordinating mortgage timing with property sales, deposits, and onward purchases.
Helping homeowners review their existing mortgage, secure better rates, or raise funds where appropriate — whether your deal is ending or your circumstances have changed.
Advising landlords and property investors on Buy to Let mortgages, including standard Buy to Let, remortgages, and portfolio landlords.
Specialist support for self-employed clients, company directors, contractors, and those with variable or non-standard income.
John is qualified to give Equity Release Mortgage Advice and is a member of the Equity Release Council
Later-life and equity release solutions are complex and highly personal. Advice will always be based on your individual circumstances to ensure you fully understand the long-term implications before making any decisions.
A type of Equity Release mortgage secured on your home where you retain full ownership, with no requirement to make monthly capital repayments. Interest is usually added to the loan and repaid when you pass away or move into long-term care, although some lenders allow voluntary or monthly interest payments to help manage the balance. The most suitable option will depend on your personal circumstances, needs, and long-term plans.
Similar to a lifetime mortgage, but assessed on income and affordability as interest payments are required. This option can sometimes allow higher borrowing where income supports it, making it suitable for those with reliable retirement income who want to manage interest costs while retaining ownership of their home.
A mortgage where only the interest is paid during the term, with the full loan repaid at the end of the mortgage. Lenders will typically require sufficient equity and a clear repayment strategy, such as savings or investments, and affordability is assessed based on income. Maximum age limits vary by lender.
A scheme where all or part of your property is sold for less than market value in exchange for the right to remain living in the home, usually rent-free, for life. ME Financial Services does not advise on Home Reversion schemes, but John can refer you to an approved specialist adviser if required.
Some kind words from John’s clients!
Always first class advice and service with prompt attention at a cost effective level. No hesitation in using Johns services in the future. Mr and Mrs Stroyd.
Mr & Mrs S – Feb 2026
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