Andy Wilson Financial Services

Mortgage and equity release advice in Lincoln

Andy Wilson Financial Services Ltd is a financial advice firm based in Lincoln, Lincolnshire, specialising in arranging mortgages of all kinds and in equity release planning for retired people. The company also advises on and arranges life insurance and income protection for individuals and families.

Founded in 2011 by Andy Wilson, the firm presents itself as a project built on the idea that financial advice should be honest, empathetic and easy to understand. Andy Wilson has 45 years of experience in the sector, including time at a major building society and at an independent financial advisers firm. His specialisation in later life lending and equity release has earned him, according to the company itself, a reputation as a trusted guide. He has regularly contributed to financial articles in national media such as The Telegraph, The Sunday Times, The Guardian and Mail Online, as well as specialist financial publications.

Equity release: lifetime mortgages and home reversion schemes

The equity release offered by the firm covers two types: lifetime mortgages and home reversion schemes. The company can only advise on and arrange lifetime mortgages; for home reversion schemes it refers clients to an approved specialist. These products are available only to those over 55 and may affect eligibility for means-tested state benefits, as well as the inheritance you may leave.

The firm describes equity release as a fast-growing market that allows homeowners over 55 to access some of the money tied up in their property. Its website provides information to understand the different schemes and options, the risks involved and the safeguards and guarantees built in. It also offers users a lifetime mortgage calculator to estimate the maximum amount that could be released.

Mortgages for buyers, homeowners and investors

The firm's mortgage section covers information and guidance for homebuyers, including first-time buyers, those looking to move home, those wishing to transfer or renegotiate their mortgage, and landlords wanting a buy to let mortgage. The website also explains Retirement Interest Only (RIO) mortgages. For those planning to buy a home, the firm details the initial setup costs and the processes involved.

Client profile and approach to advice

The company focuses its activity on people approaching retirement who find their pension falls short of expectations, as well as those who wish to maintain the lifestyle they have built. The firm notes that, even with careful planning, savings and pension funds can run out sooner than expected. Its approach centres on a more personal service, with attention to detail and support throughout the process.

Structure and regulation

Andy Wilson Financial Services Ltd is registered in England with number 07547809 and its registered office is at Landmark House, 1 Riseholme Road, Lincoln, LN1 3SN. Andy Wilson Financial Services is a trading name of Andy Wilson Financial Services Ltd, an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. The information and guidance on its website is subject to the UK regulatory regime and is aimed at consumers resident in that country.

Regular publication on equity release

The firm publishes an equity release newsletter approximately twice a year, accessible via a download form on its website.

Location and contact

11 Boscombe Close, Lincoln, LN6 3TG · Phone: 01522 590015 · Email: office@andywilsonfs.co.uk