Gateway Financial Advisors

Mortgage and insurance advice from Southend-on-Sea

Gateway Financial Advisors Limited operates as a mortgage and insurance advisory business from its registered office at Gateway House, 10 Coopers Way, Southend-on-Sea, Essex. The firm presents itself as part of Gateway, a group that provides in-house property services including estate agency and conveyancing, which allows clients selling a home to use a joined-up process across the group.

The company is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. Its website states that the firm does not charge a fee for mortgage advice and that its guidance is aimed at consumers based in the UK.

Mortgage advice across the major lenders

The core service is mortgage advice drawn from all the major lenders. The firm describes a process in which it takes time to understand the client's priorities and then tailors its recommendation around them, handling liaison with lenders on the client's behalf. Applications it says it can assist with include first-time buyer mortgages, re-mortgages, product transfers, right to buy, help to buy, buy to let and let to buy.

A dedicated mortgage broker is assigned to each client and guides them from initial contact through to completion and beyond. The firm also indicates that it stays in touch after completion to update clients ahead of product renewals.

Flexible appointments and secure document handling

Appointments can be arranged face to face, by telephone or via Zoom, according to the client's schedule. For document exchange, the firm says it uses encrypted technology that allows clients to upload documents securely rather than sending personal information by email or post.

Insurance and protection advice

Alongside mortgages, Gateway Financial Advisors provides bespoke insurance advice, comparing products from a range of leading providers. The firm states that it takes time to establish what matters to each client before making a recommendation.

Qualifications and regulatory status

The firm holds Certified Mortgage Advisor status, which it describes as recognition of holding the relevant qualifications to advise on mortgages and insurance. It operates under the UK regulatory regime as an appointed representative of HL Partnership Limited. Gateway Financial Advisors Limited is a limited company registered in England and Wales under registration number 11509668.

Online mortgage calculator

The website includes an illustrative mortgage payment calculator. Users enter the house price, deposit, mortgage balance before interest, interest rate and mortgage term; the tool then estimates a monthly mortgage cost. The site notes that most lenders require a minimum deposit of 5% and that the interest rate input is based on the Bank Rate set by the Bank of England. It also states that the figures are illustrative only, that all mortgages are subject to the applicant meeting the eligibility of the specific lender, and that an assessment of needs will be confirmed before any recommendation is made.