Finance Nexus

Finance Nexus, independent mortgage brokerage in Hoddesdon

Finance Nexus Limited is a mortgage and protection brokerage with its registered office in Hoddesdon, Hertfordshire (United Kingdom). It operates as a whole-of-market independent intermediary, which allows it to access mortgage products from a wide range of lenders, including high street, non-high street and specialist lenders. The firm presents itself as an appointed representative of The On-Line Partnership Limited, an entity authorised and regulated by the Financial Conduct Authority (FCA) of the United Kingdom.

Financial and protection services

The firm's service catalogue covers both mortgage financing and personal and protection insurance. Among the solutions it offers are:

• Residential mortgages and remortgaging.
• Commercial loans and secured loans.
• Equity release.
• Life insurance.
• Critical illness cover.
• Income protection.
• Private medical insurance.

The company states that its team has decades of experience and that it tailors each service to the client's individual circumstances, with the stated aim of finding the best mortgage terms according to their needs.

Clients and advice approach

Finance Nexus serves first-time buyers, home movers and buy-to-let investors. The firm also mentions portfolio landlords and self-employed applicants among its clientele. Its proposition is based on unbiased advice and access to a wide variety of lenders, which, according to its presentation, allows it to offer more options in terms of interest rates, repayment terms and other conditions.

Lifetime membership and digital tools

A distinctive feature of its model is lifetime membership, which includes ongoing access to expert advice and personalised support for mortgage and insurance needs. The firm recommends purchasing this lifetime membership. In addition, it provides clients with an app and web portal to manage the mortgage process: document upload, exploration of personalised options, virtual communication and real-time updates. As part of this service, the company mentions the delivery of quarterly property valuation reports.

Management team

The founder and principal is Costas (Dino) Charalambous, a mortgage and protection adviser with more than two decades of experience. He began his career as an adviser at an estate agency and later led the mortgage and protection division of a dental clinic sales agent, before establishing his own brokerage. He holds CeMAP, DipFA and a certificate in regulated Equity Release. His experience covers serving first-time buyers, home movers, portfolio landlords and self-employed applicants, as well as managing equity release mortgages for older clients.

Chun Ng is a senior insurance consultant with more than 30 years in the financial sector. He initially worked at Lloyds Bank in retail, commercial and private banking, and over the last decade he has specialised in the insurance market, offering independent advice to healthcare professionals. He holds a diploma in Financial Planning and has worked with DC Financial since 2017.

Tony Crassas is a financial consultant specialising in mortgages and protection. Throughout his career he has worked at various companies in the sector, which has given him detailed knowledge of the mortgage and protection market.

Efficiency guarantee and scope

The firm advertises a 24-hour turnaround guarantee or your money back, aimed at speeding up processing. The website also specifies that it is aimed at UK residents. Finance Nexus Limited is registered in England and Wales with number 14749204, and its registered address is Building 1, St. Cross Chambers, Upper Marsh Lane, Hoddesdon, Hertfordshire EN11 8LQ.

Location and contact

Building 1, St. Cross Chambers, Upper Marsh Lane, Hoddesdon, Hertfordshire EN11 8LQ