There’s more to
mortgage advice
than calculus.
Equation Financial pairs qualified advisers with whole-of-market lender access — so the numbers actually add up to your life, not a single bank’s shelf.
- FCA Reg.
- 785015
- Established
- 2008
Authorised & regulated
Whole-of-market, Liverpool-based
* For most residential cases, advice is paid by the lender procuration fee. Where a client fee applies, the maximum is £300, payable on legal completion and applies only to complex advice (adverse credit, unsecured debt consolidation, interest-only residential, lending into retirement or power of attorney) where the mortgage is less than £200,000. We do not offer complex mortgage advice where the borrowing is less than £75,000. This will be confirmed in writing before any chargeable work begins. See our Fair Value
Four terms in the equation of a happy home.
Whether you’re buying your first flat, moving up the ladder, reviewing a fixed rate or building a portfolio — we’ll find the arithmetic that works.
First-Time Buyers
From deposit to keys. Deposit schemes, affordability and lender selection explained plainly.
Home Mover Mortgages
Chain-aware advice, porting existing deals, and bridging where it saves you money.
Remortgage
Beat the rollover rate. We start reviewing six months before your fixed period ends.
Buy-to-Let
Personal or limited-company lending, stress-tested against real rental yields.
Three steps. One elegant proof.
Advice you can follow line by line — no hidden variables, no fine print sprung on completion day.
- 01
Fact-finding
A 45–60 minute conversation to understand your goals, timeline and finances in depth.
- 02
Whole-market search
We compare 90+ lenders and present a fully costed recommendation tailored to you.
- 03
Application & completion
We handle the paperwork with lender, solicitor and agent from offer to keys.
“Everything should be made as simple as possible — but no simpler.”
What if your mortgage was solved, not sold?
Book a no-obligation fact-finding call with a qualified adviser. We’ll search the whole market and come back with a fully costed recommendation.