Mortgage & Equity Release Adviser Based in South Warwickshire & Costwolds

Proud to be helping people with their Specialist Mortgage needs whether they are working or retired

John Boyles

Mortgage & Equity Release Adviser

A little bit about John

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.

Hobbies & Interests

"Patience and understanding is so important when dealing with clientsa the later stage of their life, thats what I offer"

"Nothing is more important that friends and family"

My Services

Proud to help clients with the following services

Mortgage Advice

John regularly supports clients with the following mortgage needs, providing clear, practical advice at every stage.

First Time Buyers

Helping first-time buyers understand the process, secure an Agreement in Principle, and buy with confidence — with clear guidance from start to finish.

Home Movers & Upsizing

Supporting clients who are moving home, coordinating mortgage timing with property sales, deposits, and onward purchases.

Remortgaging & Rate Reviews

Helping homeowners review their existing mortgage, secure better rates, or raise funds where appropriate — whether your deal is ending or your circumstances have changed.

Buy to Let Mortgages

Advising landlords and property investors on Buy to Let mortgages, including standard Buy to Let, remortgages, and portfolio landlords.

Self-Employed & Complex Income Mortgages

Specialist support for self-employed clients, company directors, contractors, and those with variable or non-standard income.

Equity Release Advice

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.

Lifetime Mortgages

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.

Retirement Interest-Only Mortgages (RIO)

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.

Later-Life Interest-Only Mortgages

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.

Home Reversion Schemes

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.

What Our Clients Say...

Some kind words from John’s clients!

John Boyles

John went above and beyond to secure the mortgage we needed. It’s fair to say our situation wasn’t the easiest — a failed chain meant he had to reapply for our mortgage under serious time pressure so that our onward purchase didn’t fall through.

Despite the tight deadlines and multiple changes along the way, John still managed to secure us the same mortgage again very quickly. He always made himself available to help, no matter the time or day of the week.

We are incredibly grateful to John for all his hard work in helping us buy our dream home, and we wouldn’t hesitate to recommend him.

Kristy Plumb – Feb 2026

John Boyles

John is a fantastic adviser ! He is very professional , helpful and take time to explain everything. Nothing is a problem for him. We are very grateful for his advise and help.

Monika Kowalik – Feb 2026

John Boyles

John supported us through the purchase of our first home and was incredibly patient and reassuring throughout the entire process. As first-time buyers, we had plenty of questions, and he always took the time to explain everything clearly and thoroughly. What really sets John apart is that his support didn’t stop once the purchase was completed — he continued to check in with us afterwards, which shows how genuinely he cares about his clients. We’re very grateful for his guidance and would highly recommend him to anyone looking for a reliable and thoughtful mortgage broker.

Elton Nastasi – Feb 2026

John Boyles

Communication was excellent from start to finish. You were always quick to respond, explained everything in plain English, and made sure I fully understood my options before moving forward. I felt well-supported throughout the whole mortgage application process.

Emma-Jane Cooke – Feb 2026

John Boyles

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

Get in Touch to Talk About your FINANCES

Looking to secure the right mortgage, family protection or insurance for your home? We’re here to help! Our simple and straightforward process makes it easy to get a personalized quote tailored to your needs. Let us guide you every step of the way toward financial security.