Business Details
21 Years
experience
Your Trusted Mortgage Broker in Rugby
Established in 2005, LPR Mortgage Services has been providing impartial mortgage advice and protection services to residents of Rugby and surrounding areas. With over 35 years of combined industry experience since 1986, our team specialises in navigating the complex mortgage market to find tailored solutions for first-time buyers, home movers, and remortgaging clients. We leverage local market knowledge and access to exclusive mortgage rates while maintaining FCA regulation through our association with Stonebridge Mortgage Solutions Ltd. Our client-centric approach combines face-to-face consultations with modern technology to ensure transparent communication throughout the mortgage process. We offer comprehensive financial protection solutions including life assurance and critical illness cover, alongside expert guidance on home insurance requirements. Our fee structure is clearly disclosed at 498 per mortgage arrangement, with commissions received from lenders disclosed upfront. Having assisted numerous clients with Help to Buy schemes and complex mortgage scenarios, we maintain a strong reputation evidenced by numerous client testimonials praising our professionalism and expertise.
Services
Mortgage Advice
Protection Services
Remortgaging
First-Time Buyer Support
Insurance Solutions
Served areas
- United Kingdom
Details
- Year established: 2005
Highlights and features
- We have over 20 years of local mortgage advisory experience in Rugby
- Our FCA regulation ensures compliance with financial industry standards
- We offer transparent fee structures with clear disclosure of commissions
- We provide access to exclusive mortgage rates through whole-of-market access
- Our client testimonials demonstrate consistent delivery of professional service
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Fantastic service
Brilliant service
Quick and easy
Highly recommend
Trustworthy and honest
Services
Mortgage Advice
We provide impartial mortgage advice covering the entire market, helping clients find suitable mortgage products. Our services include affordability assessments, budget planning, and access to exclusive rates. With local expertise in Rugby's property market, we assist first-time buyers, home movers, and remortgaging clients through the complete mortgage process.
Protection Services
Our financial protection services include life assurance, critical illness cover, and income protection policies. We help clients create comprehensive financial solutions to safeguard their families against unforeseen circumstances. These products complement mortgage arrangements by providing security against risks like prolonged illness, disability, or death.
Remortgaging
We specialise in remortgaging solutions to help clients secure better mortgage terms. Our service includes assessing early repayment charges, identifying more suitable mortgage products, and facilitating the transition process. We help homeowners optimise their mortgage arrangements to match changing financial circumstances.
First-Time Buyer Support
We offer tailored support for first-time buyers navigating their initial property purchase. Our services include explaining Help to Buy schemes, mortgage eligibility criteria, and budget planning. We simplify the mortgage process for new buyers while maintaining transparency about associated costs and commitments.
Insurance Solutions
We provide guidance on home insurance requirements, including buildings and contents coverage. Our advice covers protection against risks like fire, flood, and subsidence, ensuring clients adequately protect their property investments. We explain policy terms and exclusions to help clients make informed insurance decisions.
People
Lloyd Richards
Mortgage Adviser
Lloyd Richards has been a mortgage adviser in Rugby since 1997, with financial industry experience since 1986. He specialises in whole-of-market mortgage advice and financial protection solutions. His local knowledge and client-focused approach have earned numerous positive testimonials from satisfied clients.
Questions
What mortgage services do you offer in Rugby?
We provide impartial mortgage advice covering first-time purchases, remortgaging, and home mover transactions. Our services include access to exclusive rates, affordability assessments, and Help to Buy scheme assistance.
Are your mortgage fees transparent?
Yes, our standard mortgage arrangement fee is £498, with £299 payable on application and £199 on completion. We disclose all fees upfront along with any commissions received from lenders.
How do you help first-time buyers?
We explain mortgage options, assess affordability, and guide first-time buyers through the Help to Buy scheme. Our local knowledge helps clients navigate Rugby's property market with confidence.
Do you offer financial protection services?
Yes, we provide life assurance, critical illness cover, and income protection policies to complement mortgage arrangements and protect clients' financial security.
Are you regulated by financial authorities?
We operate as an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA).
What areas do you serve?
We primarily serve Rugby and surrounding Warwickshire areas, providing mortgage advice and financial protection services to local residents.
Reviews (7)
Andrew Donovan
Oct 26, 2020
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I cannot recommend Lloyd highly enough. A fantastic service. A few other mortgage brokers had promised they could assist but failed to deliver. Lloyd's breadth of knowledge and willingness to get stuck in really separate his services from the rest. If we hadn't found Lloyd I don't think we could have purchased our family home. A real pleasure to work with also.
Andrew Donovan
Aug 02, 2020
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I cannot recommend Lloyd highly enough. A fantastic service. A few other mortgage brokers had promised they could assist but failed to deliver. Lloyds breadth of knowledge and willingness to get stuck in really separate his services from the rest. If we hadnt found Lloyd I dont think we could have purchased our family home. A real pleasure to work with also.
Mike Smith
Mar 17, 2015
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We are in our new home which we didn't think we would have for another few years and at a rate that is very affordable! We literally wouldn't be in this house without Lloyd. Can't fail to appreciate how he fits the service to your needs, giving realistic options!
Tom King
We linked up with LPR when we were looking to move in 2014. Unfortunately, the move didn't work out, but all the advice and guidance from Lloyd was superb. He talked us through the offerings in the marketplace, and gave good contextual advice (just try getting that sort of service online!). When we sort out what we are doing around houses, we will be back to Lloyd. Integrity and professionalism in spades. Highly recommended.
Suzanne Wurr
A genuinely nice guy with all the knowledge you would expect from a professional adviser! Managed to get us a mortgage with the bank that initially refused us when we went on our own, couldn't recommend him enough!
John Rose
Lloyd says on the video that he's a "champion for you in the home buying process" and I know from working with him on a number of video and audio projects that he really believes that. This is not someone glibly following mission statements or trotting out corporate values that are mimicked on every corner, Lloyd and LPR represent uniqueness and a professional loyalty that you won't find just anywhere.
Louisa Cooper
Lloyd has sorted out two mortgages for us (at the same time!) and also one for my son. He has also done work for a number of my friends and family. We all agree that he is very friendly, is a 'real' person not a salesman and is thoroughly professional. I would not use anyone else and would not hesitate to recommend him.