Numen Financial Ltd

Mortgage advice for buyers and investors in the UK

Numen Financial Ltd is a mortgage advice firm based in London that serves clients across the UK. The company presents itself as a professional mortgage adviser and works with profiles ranging from first-time buyers to landlords expanding their buy-to-let property portfolio.

It operates as an appointed representative of HL Partnership Limited, an entity authorised and regulated by the UK Financial Conduct Authority. The company is registered in England and Wales under number 09396839.

Client profiles and mortgage types

The site details several client segments for which it arranges financing:

• First-time buyers: those purchasing their first property and who receive that consideration.
• Buy to Let: loans intended for landlords who buy property to rent it out.
• Contractors: access to mortgages on the same terms as other applicants.
• Portfolio Buy to Let: a type where the lender originates the loan and holds it in its investment portfolio instead of selling it on the secondary market.

The firm states that it specialises in difficult or unusual situations that require in-depth knowledge of the market, and that it also serves clients with adverse credit history.

Complementary services and support

In addition to mortgage brokerage, Numen Financial offers life insurance, critical illness cover and income protection, aimed at protecting family and home against unforeseen events. The company notes that it handles coordination between the lender, solicitor, surveyor and estate agent to speed up the processing of the application.

Among its selling points, it claims to have access to exclusive rates directly from the lender that are not available to the general public, and that it only charges fees in very complex cases. The site provides users with calculators to estimate how much they could borrow.

Two offices: London and Manchester

The company operates from two locations. The London office is in Eastcote, and the Manchester office is in Timperley. Although its base is in London, the firm emphasises that it serves clients throughout the UK. The company's registered address matches the London office.

Reviews and regulatory framework

The site shows a rating of 5.0 based on 65 reviews from Google. The business is subject to the UK regulatory regime, so the information on the website is primarily aimed at consumers resident in that country. The firm warns that your home may be repossessed if you do not keep up repayments on your mortgage, and that most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Offices and locations

Office 1: 203 Field End Road, Eastcote, London, HA5 1QZ · Telephone: 020 37191058 · Email: info@numenfinancial.co.uk

Manchester Office: Caidan House, Canal Road, Timperley, WA14 1TD · Telephone: 07901 699551