CoG Financial

CoG Financial: mortgage and protection advice based in Southampton

CoG Financial is a financial advisory firm established in Southampton that serves clients throughout the UK. Its activity focuses on mortgage brokerage and arranging protection products, with a team that has over one hundred years of combined experience in the mortgage sector. The company presents itself as a broker that seeks the right mortgage according to each client's needs, circumstances and preferences, and states that its success lies in actively listening to those who come to it.

Mortgages for buyers, homeowners and investors

CoG Financial's range covers various types of mortgage financing:

• Home mover mortgages: for those moving house who need a mortgage suited to the new property.
• First time buyer mortgages: aimed at people buying a property for the first time.
• Remortgages: replacing an existing mortgage with a new one on the same property, paying off the previous one in the process.
• Buy to let: mortgages designed to purchase a property intended for renting out rather than for own use.
• Shared ownership mortgages: mentioned among the options the firm handles.

Secured loans and debt consolidation

In addition to mortgages, the company advises on secured loans, in which the money is secured against the applicant's home. It also offers guidance on debt consolidation: through a remortgage with a lender, equity is released from the property to pay off unsecured debts.

Protection products

CoG Financial complements its mortgage offering with insurance and protection cover:

• Life insurance: provides a lump sum or a series of monthly payments to the family in the event of death.
• Critical illness insurance: pays off the outstanding mortgage debt when a specified critical illness is diagnosed.
• Income protection insurance: covers a portion of salary if the insured is unable to work due to illness or injury.
• Buildings and contents insurance: protects the structure of the home (walls, roof, floors) and its contents.
• Family Income Benefit: included in the list of protection products.

Working method and client resources

The firm describes a personalised service aimed at finding the right deal. It notes that the mortgage and protection application process can be carried out electronically, including supporting documentation, which avoids travel and simplifies procedures. To help users plan, it offers free resources such as a monthly repayment calculator, a mortgage affordability calculator, an FAQ section and access to a free credit report.

Regulation and corporate details

CoG Financial is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 1029907. The company, CoG Financial Ltd, is registered in England and Wales with company number 14711447 and registered office at Sovereign House, 37 Middle Road, Southampton, SO31 7GH. It is also registered under the Data Protection Act 1998 with number ZB538567. The company notes that its activity is governed by the UK regulatory regime and is primarily targeted at customers in that country.

Location and contact

Sovereign House, 37 Middle Road, Southampton, SO31 7GH · Phone: 01489 357550