Cobalt Financial

Cobalt Financial: mortgage and insurance advice in Radlett since 2001

Cobalt Financial is a British financial advice firm that has been operating since 2001 and presents itself as a specialist in mortgages and insurance with an independent and impartial approach. Its head office is in Radlett, in the county of Hertfordshire, and its activity is aimed at both individuals and businesses.

The company describes itself as a partner that supports the client from calculating how much they can borrow through to completing the purchase and beyond, with the stated aim of offering a personalised service rather than standardised products.

Mortgage services for every profile

Cobalt Financial's range covers different property financing needs:

• First-time buyers: advice on taking the first step onto the property ladder.
• Moving home: finding the right mortgage for those who are moving.
• Remortgage: reviewing current terms to lower rates or release capital.
• Buy to let: finance for first-time investors and for landlords with established portfolios.
• Commercial mortgages: solutions for businesses, developments and investments. In this area, the firm acts as introducer only.

Protection and insurance

In addition to financing, the company offers protection products:

• Life insurance.
• Critical illness insurance.
• Income protection insurance.
• Mortgage protection insurance.
• Buildings and contents insurance.
• Business protection.

Client tools

Cobalt Financial's website provides users with various calculators and resources to plan the transaction:

• Monthly mortgage repayment calculator.
• Stamp Duty calculator for residential property.
• Stamp Duty calculator for buy-to-let investment properties.
• Glossary of mortgage terms (jargon buster).

Track record and advice approach

The firm was founded by Nigel Hakkak, who developed his career in the financial sector before creating a business focused on putting the client at the centre. The company states that it maintains a flexible and up-to-date approach to the market, relying on its network of contacts and its experience to adapt to unexpected life changes. According to its presentation, the aim is to build tailored solutions for each client, whether an individual, a family or a business, and to maintain a long-term advice relationship.

Structure and regulation

Cobalt Financial Ltd is registered in England with number 8465429. The company operates as an appointed representative of Sesame Ltd, an entity authorised and regulated by the UK Financial Conduct Authority (FCA). For commercial mortgages, the firm acts as introducer only. Its registered office is at RA Accountants LLP, 2nd Floor, Grove House, 55 Lowlands Road, Harrow HA1 3AW.

As for mortgage remuneration, the company indicates that it may be paid by commission, by a fee of usually £395, or a combination of both.

Customer service and complaints

For confidential enquiries or advice, the firm can be contacted by phone and email. Complaints or feedback can be directed to its Sesame network, which has a customer relations department available by phone Monday to Friday from 9:00 to 17:00.

Offices and locations

Main office: 39 The Ridgeway, Radlett WD7 8PT

Registered Office: RA Accountants LLP, 2nd Floor, Grove House, 55 Lowlands Road, Harrow HA1 3AW