Save Money with Better Mortgage Deals

Whether you need a mortgage or homeowner loan, our team has over 100 years of combined experience helping people secure the right finance.

Offering a bespoke service with one goal in mind, ensuring you get the right deal.

We believe our success in helping people in the property market is from actually listening to our clients. We employ real people with years of experience working in the mortgage industry.

First time buyers, remortgage, buy to let, shared ownership mortgages; As a mortgage broker we will find you the right mortgage based on your needs, circumstances and preferences.

We aim to make the mortgage and protection application process as painless as possible so any supporting evidence needed can also be provided electronically, which makes the process of applying for a mortgage extremely straightforward without the need to leave the comfort of your home. Saving you time, money and hassle. 

Home mover mortgages

The process of getting a new mortgage when you move house so the mortgage is suitable for the house you’re moving into.

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First time buyer mortgages

A first-time buyer is a person buying a property who has never owned one before.

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Remortgages and remortgage advice

A remortgage is when you take out a new mortgage against your existing property repaying your current mortgage in the process.

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Buy to let mortgages

Buy-to-let mortgages are designed to help you buy a property that you intend to rent out to other people, rather than live in.

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Expert advice on secured loans

A secured loan is where you borrow money that is secured against your home.

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Debt consolidation advice

Remortgage your property with a lender to release equity and raise money. You then use this money to pay off unsecured debts.

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Life insurance policies

Life insurance policies provide you and your family with a lump sum payment or a series of monthly payments if you were to die.

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Critical illness policies

A Critical illness policy pays the outstanding mortgage debt on diagnosis of a specified critical illness.

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Income protection policies

An income protection policy pays a proportion of your salary if you’re unable to work because of sickness or injury.

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Buildings & contents policies

Buildings insurance is designed to provide financial protection if there’s damage to the structure of your home, such as the walls, roof and floors.

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Try some of our free resources.

We want to ensure that you have the best understanding and knowledge when it comes to planning your future.

We have a handful of free resources available for you to use, check them out here.

Here's how we have helped others.

We pride ourselves in knowing that every case we work on, we have achieved the best outcome we could’ve asked for.

View our reviews and make your own mind up.

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jake ruffley profile picture
jake ruffley
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The team is brillent very very helpful along the way i would use them again
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Imogen Day profile picture
Imogen Day
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Excellent service from these guys, super friendly and informative, they really know what they are doing! Thanks very much
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Claire Bower profile picture
Claire Bower
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Hannah has been brilliant from start to finish, I would highly recommend. Thankyou Hannah.🙂
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Hayley Rushe profile picture
Hayley Rushe
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We would like to express our sincere thanks to Ryan and Megan for all their help and support throughout the process of arranging our mortgage. They were both extremely professional, knowledgeable, and helpful from start to finish. They were incredibly accommodating and always went above and beyond to make the process as smooth and straightforward as possible for us. Nothing ever seemed like too much trouble, and we genuinely felt that they couldn’t have done any more to help us secure the right loan. We are extremely grateful for their time, patience, and dedication. Their professionalism and commitment made such a difference, and we would have no hesitation whatsoever in recommending Ryan and Megan to anyone looking for a mortgage advisor. Thank you both again for everything — your help was truly appreciated.
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Mark Jackson profile picture
Mark Jackson
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I have recently dealt with Chloe from COG. I found the experience very smooth with regular updates and professional service. Very happy to recommend COG and Chloe for anyone wishing to seek financial advice
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Alesha Dye profile picture
Alesha Dye
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Highly recommend Cog Financial Services. Thomas and Megan were fantastic and provided a bespoke and personal service. They kept me updated through the process and completed in a timely fashion.
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Scott Waddington profile picture
Scott Waddington
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I do not usually leave reviews. I can honestly say Thomas and Megan have been great from start to finish. Quick responses, always available over the phone when needed and finally putting my stress at ease. I will be recommending these in the future to anyone who will be looking at borrowing/mortgageing.
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Nimesh Shah profile picture
Nimesh Shah
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Chloe at COG Financial was brilliant throughout my remortgage. She made the whole process straightforward, kept me updated throughout and was always quick to respond whenever I had any questions. Everything was handled efficiently from start to finish. Would definitely recommend Chloe and COG Financial
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Adeil Qammar profile picture
Adeil Qammar
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Honestly this was such a simple process, the team were super efficient and extremely helpful. Process was completed within a few weeks, although I was quoted 6 weeks by others. Highly recommend these guys!!

Working with you, to secure the right product for your needs. Have a chat with us.

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