Tailored mortgage and insurance protection advice 

Independent mortgage and insurance protection advice 

When you want clear and transparent independent advice on your mortgage and insurance protection options the Lester & Co team will be happy to help. 
You’ll have continuous support from your advisor from start to finish, saving you time and helping you to find the best value mortgages or insurance packages for you. 

You talk, we hear 

We want to hear your whole story and look at your overall financial picture so we can give advice to suit you. 
We’ll be with you for the entire journey. From our initial recommendations through to completion of your purchase and beyond. We will act as your financial hub, liaising with banks, solicitors and estate agents to provide an efficient and seamless process that will save you time and add value. 

First Time Mortgages 

As one of the largest and most important financial commitments you will ever make it’s important to have a good start with your first mortgage*. As an independent whole of market mortgage broker, we can search for good value deals to suit you and your personal circumstances. We’ll guide you through the whole process, and clearly explain what’s happening every step of the way, including the details of the affordability check and the administration that’s needed. 

Commercial Mortgages 

We can recommend high quality commercial mortgage solutions offering competitive rates and attractive loan to value options. Whether you want to raise £20,000 or £20million we can recommend deals to meet your needs and offer you good value. As independent advisors we have strong relationships with private banks, commercial and specialist lenders across the country. 

Development Finance 

Development finance is typically a short-term loan for residential property developments. This might include land purchases, construction projects, and property conversions. The loan is usually made in stages to cover the development costs. Previous experience of development projects is desirable but isn’t always required if you are working with a professional team. 

Residential Re-mortgages 

Whether you are upsizing, downsizing or staying exactly where you are there are many re-mortgaging options* to consider. The first important step is to understand what you want to achieve so that we can make recommendations to help you achieve your goals. 

Buy To Let Mortgages and SPVs 

The buy to let market still offers opportunities for good financial returns but things have changed in recent years so you need to make well-informed financial choices. We can help you to compare the pros and cons of buy to let mortgages+ and special purpose vehicles (SPVs) to see which will best suit your needs and circumstances. 

Protection Plans 

When you take out a loan you make a financial commitment and insurance protection is a way to mitigate the risk of being unable to meet the repayments. Whether you’re employed or self-employed we can recommend options that will financially protect you and those who rely on you should your income be reduced. This might include life insurance, critical illness cover, income protection and family income benefit. 
*A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. 
+The Financial Conduct Authority does not regulate most forms of buy to let mortgage. 
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