Trusted Expert Advice

from the Whole Market

The best mortgages guaranteed
We always put clients first
We offer an advice & not a sales based process
The highest levels of service guaranteed
We always under promise & over deliver

Mortgage Services

Purchase Mortgages

S.O.E. Financial offers whole of market independent mortgage advice & we have helped literally thousands of happy & satisfied clients over the years. We are dedicated to finding the right mortgage for your needs and will do all we can to help you get your next dream property.

We have access to thousands of mortgage products & can offer mortgages up to 95%, obtain an agreement in principle usually within 30 minutes, access exclusive mortgage deals for home movers not available on the high street & enjoy cashback & free valuations on some products.

Remortgages & Product Transfers

S.O.E Financial specialises in residential and BTL remortgages across the UK.
If you have a mortgage that is nearing the end of its fixed rate or is precariously linked to a tracker or variable rate, please contact us immediately.

We can advise on moving the mortgage to a new lender or getting a better deal with your current lender (called a Product Transfer) up to six months before the end date of your current product.

Loans are available up to 90% of your property value & you can release equity from your home or your buy to let property for any reason. We can shop around for you to get you the best deal and hopefully reduce your monthly payments, often with a free valuation & free solicitors too. We also have access to exclusive schemes which are not available on the high street.

First Time Buyers

S.O.E. Financial is experienced in helping buyers purchase their first home and we recognise this can be a daunting experience. We work solely for you & we will cut through the jargon & search the whole market and find the best product for your specific needs, requirements & budget.

We have access to mortgage lenders who will consider 95% loan-to-value (LTV) mortgages. We can look at specialist products that are also suitable for Shared Ownership & Help to Buy, so whether it’s a new build property, a house or a flat, we are here to help.

We can usually get your mortgage agreed in principle within 30 minutes and provide a mortgage certificate which can be used to help secure your first home. Contact us to get an agreement in principle.

Buy To Let Mortgages

S.O.E Financial has a strong client base of investors with portfolios of BTL property, first time buy to let investors & accidental landlords. We can advise on the purchase or remortgage of BTL properties, access all specialist and non-high street lenders & also arrange mortgages in the name of your Limited Company.

We can help with using your current buy to let properties to build your portfolio & maximise profitability We offer expert advice in all aspects of Buy to Let lending, with mortgages available for loans of up to 85% of the property value. We can also access specialist schemes for Homes of Multiple Occupancy.

Equity Release

Equity Release allows you to access some of the tax-free cash locked in the value of your home, whether it be your main residence or a buy to let property, & you can use the money for whatever reason you wish.

We will explain exactly how it works & we will even advise you as to whether equity release is appropriate for you.

We fully understand & appreciate that taking out any type of loan should be considered carefully; it should not be rushed into & certainly should not be considered until you are aware of all of the risks and responsibilities involved.

We are here to help you make the right decision. As an extra layer of protection for our clients we ordinarily only use those equity release mortgage lenders who are members of the Equity Release Council.

We are independent mortgage advice specialists.

Book your free consultation today!

Protection & Wealth Management

Life Assurance & Critical Illness

Protecting your home and the liability of mortgage debt is a hugely important fact to consider. There are many types of cover available on the market today including life assurance, critical illness & income protection.

Protecting the liability of your mortgage, & therefore the full value of your home, ensuring financial security & peace of mind for your loved ones should you die, be diagnosed with a serious illness or be unable to work.

There are many different ways to arrange protection & S.O.E. Financial can advise on the most appropriate plan available specific to your circumstances.

Specialist software allows us not only to access the best premiums but the best underlying cover too.

Investments & Pensions

Our Managing Director, Simon Garling, is an ex Independent Financial Advisor & in the past specialised in pensions & Investments.

When the company ceased advising on pensions & investments in order to concentrate on mortgages & protection, we engaged the Wealth Management Partnership LLP to service our existing client bank & look after our new clients too.

The Wealth Management Partnership LLP is the very best at what they do & we have had a very close relationship with them for over ten years now.

Should you require any advice on pensions or investments, please contact us for a formal introduction.

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Find Us At

Registered Office

Contact Us

Vikas Jain
Tel: 07944 477509
[email protected]

Simon Garling
Tel: 07771 802606
[email protected]

Akeel Hussain
Tel: 07908 717949
[email protected]

Nadine Gruber
Tel: 07719 762250
[email protected]

Joanne Hourigan
Tel: 07734 773242
[email protected]

Office Hours

Monday : 09.00 – 17.00

Tuesday : 09.00 – 17.00

Wednesday : 09.00 – 17.00

Thursday : 09.00 – 17.00

Friday : 09.00 – 17.00

Saturday : Closed

Sunday : Closed

Appointments outside of office hours by arrangement.

S.O.E. Financial Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA) under reference number 935448. The Companies House registered office is at Ladywood, Whips Lane, Watledge, Nailsworth, Gloucestershire, GL6 0BB & is registered in England under the company number 12848050