Bardwell Mortgage Solutions Ltd

Mortgage and protection advice from Lincolnshire

Bardwell Mortgage Solutions Ltd operates as a mortgage broker in Lincolnshire. The firm was founded in 2009 by Sally, who states that she has worked in the financial services industry for more than 25 years and has built her experience in the mortgage and protection sector. The company presents its approach as professional, personal and honest, with the stated aim of making the mortgage process less stressful for clients.

Bardwell Mortgage Solutions is a trading style of Bardwell Mortgage Solutions Ltd, an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. The firm is entered on the Financial Services Register under firm reference number 498533.

Mortgage scenarios handled

The service is organised around the main situations in which borrowers seek advice. According to the company, it assists first-time buyers, people moving home, buyers of investment property and clients looking to remortgage. In each case the stated objective is to identify a suitable mortgage and to support the client through the process.

• First-time buyer mortgages
• Mortgages for moving home
• Buy-to-let and investment property mortgages
• Remortgaging

Protection and insurance solutions

Alongside mortgages, the firm lists insurance solutions among its areas of work. Client feedback published on the site refers to protection arranged through Sally, including critical illness and life insurance. The company frames this protection work as part of the same advisory relationship rather than a separate product line.

Fees and initial consultation

The site states that the initial consultation is free, either by telephone or by a visit when the client is local. A fee of up to £299 is payable on submission of an application, and a further fee of up to £500 becomes payable once the mortgage offer has been received.

Regulatory information and risk warnings

The company publishes several regulatory notices alongside its services. It warns that a home may be repossessed if mortgage repayments are not maintained, and that remortgaging may trigger an early repayment charge from the existing lender. It also notes that insurance policies carry conditions and exclusions, and that not all buy-to-let mortgages are regulated by the Financial Conduct Authority.

Bardwell Mortgage Solutions Ltd is registered in England & Wales under company number 10152316, with its registered office at Deacon Hill House, Manthorpe, Bourne, Lincs, PE10 0JE.

Client feedback and guidance material

The website reproduces comments from clients describing their experience of working with Sally, with repeated mentions of responsiveness, explanations of the mortgage process and help with protection products. These are individual testimonials rather than an aggregate rating.

The firm also publishes practical guidance for clients, including a guide to buying a first home, a moving house checklist and a note on what it calls a risk reality check, which addresses the financial impact of illness or death on a household.