First Thought Financial

Mortgage and financial advice in Rickmansworth

First Thought Financial is a financial advice firm based in Rickmansworth, in the English county of Hertfordshire. Its activity is structured around three areas: mortgages, insurance and accountancy. The company presents itself as a guide for the client throughout the entire process, whether arranging or renewing a mortgage or updating personal or business protection.

The mortgage team works with the client so that they can make informed decisions about the most suitable option for their situation, including issues such as borrowing capacity and the alternatives available. The firm states that its method involves getting to know the client in order to understand their individual situation and find the most appropriate solution.

Mortgages for complex employment profiles

The range of mortgage services is extensive and pays special attention to applicants whose employment situation does not fit the standard profile. Among the cases the firm indicates it can assist with are:

• Self-employed mortgages, including those arranged with just one year of accounts, those for sole traders and those for sole partners.
• Contractor mortgages, with variations for fixed-term contracts, zero-hours contracts, day rates, IT contractors, subcontractors and contractors operating through an umbrella company.
• Limited company director mortgages, including LLP cases and directors on PAYE.
• Mortgages for first-time buyers, home movers, buy to let and remortgage.
• Self-build mortgages, for both self-employed and employed individuals.
• Adverse credit mortgages, including those granted after defaults or county court judgments (CCJs).
• Mortgages for older borrowers, high net worth individuals, NHS staff, doctors and teachers.
• Mortgages for complex income, Tier 2 visa holders and shared ownership.

Bridging finance and specialist lending

Within the specialist lending section, the firm offers bridging loans, second charge bridging loans, property development finance and auction finance. It also considers commercial finance solutions.

Protection, insurance and wealth planning

The protection area covers life insurance, critical illness cover, income protection, health insurance, business insurance and key person insurance. The company notes that there are various ways for a family to protect its standard of living and that the variety of products available makes it possible to find a suitable policy for most circumstances and budgets. It also offers wealth planning services aimed at planning and investing for the future.

Accountancy for businesses and individuals

Through First Thought Accountancy, the firm provides accountancy services for both businesses and individuals.

Regulation and activity

First Thought Financial Ltd is registered in England and Wales with number 13836649 and authorised and regulated by the Financial Conduct Authority (FCA), with financial services register number 971548. The firm states that its activity is subject to the UK regulatory regime and directed at consumers resident in that country.

Location and contact

First Floor, 112–114 High Street, Rickmansworth, Hertfordshire WD3 1AQ · Phone: 01923 606808 · Email: info@firstthoughtfinancial.com