Cyan Financial Services

UK Mortgage and Protection Advice

Cyan Financial Services Ltd is an advisory firm based in Kenilworth (Warwickshire) that works with UK clients on arranging mortgages and personal and family protection cover. Its work is aimed at first-time buyers, homeowners moving home or reviewing their current mortgage, landlords, contractors and British nationals living abroad.

The firm presents itself as an adviser that supports the client from the initial enquiry through to completion, explaining the available options and lenders' criteria.

Mortgage solutions tailored to the client's profile

The mortgage services cover a range of situations:

• Residential mortgages: for buying a home, moving to another property or reviewing an existing mortgage.
• First-time buyers: guidance on financing options, affordability and deposit requirements.
• Buy-to-Let: for experienced landlords or those starting out in property investment, taking into account rental income, deposit and lenders' criteria.
• Interest-only mortgages: a type where only the interest is paid and the capital remains outstanding, with advice on eligibility and repayment strategies.
• Contractors: support for professionals with more complex income structures than a traditional employee, considering how lenders assess their income and contracts.
• Expats: solutions for British nationals living and working abroad who need financing for a UK property.
• Holiday lets: the firm includes this type among its mortgage services.

Personal, family and estate protection

In addition to mortgages, Cyan Financial Services advises on protection products:

• Life insurance.
• Critical illness insurance.
• Income protection insurance.
• Private medical insurance.
• Family income benefit.
• Buildings and contents insurance.

Professional profile of the principal adviser

Christina Mathew, BSc and CeMAP qualified, founded Cyan Financial Services after more than a decade of experience in property development and wealth management. Her approach focuses on understanding each client's circumstances, needs and objectives to provide clear guidance and practical solutions, maintaining personalised support from the first consultation through to completion.

Client calculation tools

The website offers users several indicative calculators:

• Property transaction tax calculator, based on location, value and intended use of the property.
• Overpayment calculator, to estimate the effect of extra repayments on the balance, interest and term.
• Repayment calculator, to estimate the monthly payment based on amount, interest rate and term.
• Maximum borrowing calculator, for illustrative purposes and subject to each lender's criteria.
• Buy-to-Let maximum borrowing calculator, based on rental income and other factors.
• Buy-to-Let rental calculator, to estimate the rent needed to support this type of mortgage.

Regulatory framework and company details

Cyan Financial Services Ltd operates as an appointed representative of Cornerstone Finance Group Ltd, an entity authorised and regulated by the Financial Conduct Authority (FCA). The firm is listed under FCA reference number 1040266, while Cornerstone Finance Group Ltd has number 767202. The company is registered in England and Wales under company number 16517534.

Location and contact

33 Park Hill, Kenilworth, Warwickshire