Mortgage Advice Ian and Farley

Mortgage Advice

Do you want help to get a mortgage or a remortgage?

Looking for a buy to let mortgage?

Interested in second charge loans?

Looking to save money?

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How Do We Find the Best Mortgage Deals?

What we aim to do is to give you advice on the market-leading mortgage for your circumstances.

To understand them we need to learn about your income, expenditure, savings, financial commitments, credit profile, preferences for mortgages, and other aspects of your lifestyle.

It’s really important to do this work well because, of more than 100 lenders in the UK, they each have their own criteria for who they are prepared to lend to, how much, and in what cases – which is our job to understand. Our role is to understand what suits you from 12,000 deals and lenders made over 52,000 changes to their deals last year!

The benefit of working with us is that we search across all the lenders to find out what is the cheapest rate available based on everything set out above. That gives you the confidence to know you have the best deal available and saves you time & trouble searching.

You can click here to see that Ian Francis is an approved person by the Financial Conduct Authority.

Click for the FCA register.

You can click here to see that Chestnut Financial Services is authorised and regulated by the Financial Conduct Authority.

Click for the FCA register.

Mortgage Advice Chestnut Leaf

Mortgage Services

It is often said that purchasing a home is one of life’s most stressful experiences, and potentially the biggest financial commitment you are likely to make. Our mortgage services are tailored to support you throughout the process to take away as much stress and worry as possible. We will spend time getting to know you, to understand what you really want and need from your mortgage. Our in-depth knowledge and access to the whole mortgage market supports you in achieving your goals. Being fully independent, we are able to offer impartial advice to find the best mortgage to suit your individual needs.

What Does A Good Financial Adviser Do?

We know how it feels to have found your next home, and what it takes to turn your dream into a solid, secure and lasting reality.

Banks and building societies can only offer a limited range of mortgages, and some mortgage advisers are tied to preferred partners. We’re fully independent. We can search the whole market for the mortgage that’s most suitable for you, at the best possible interest rate.

We provide a written recommendation, help you with getting all the paperwork needed to be pulled together, help apply for a decision in principle and help apply with a full mortgage application. We don’t stop there, if there’s an issue then we continue to search and help wherever we can.

We’ll reduce stress by liaising with lenders, estate agents and solicitors on your behalf, keeping you up to date with progress and helping to reduce delays.

First Time Buyers

Taking your first step onto the property ladder is an exciting time, but there’s a lot to consider. It is important that your mortgage suits you. We aim to give answers to your questions, which typically cover:

  • How much deposit do I need?
  • What type of property can I afford?
  • How do I save for my deposit?
  • What are Shared Ownership schemes?
  • How can Government schemes help?

We will talk you through the entire process and search the whole of market to source the most suitable mortgage options for you.

Moving Home

Relocating, upsizing or downsizing, whatever your needs, it is important to get the ideal mortgage.


There are many reasons why you may wish to consider remortgaging your home, whether to reduce the overall monthly mortgage payment amounts, to pay off a mortgage earlier, to raise capital, to consolidate other more expensive short term debts or as part of a relationship breakdown.


A Buy-to-Let mortgage differs greatly from a standard residential mortgage that you would have for your own home. Whether you are purchasing your first Buy-to-Let mortgage or adding to an existing portfolio, the right mortgage is essential to maximise your profit. Buy-to-Let criteria and regulations are complex, but our experience and expertise lets us talk you through the process in detail to ensure that you are fully briefed on your property investment.

We will search Buy-to-Let mortgage providers from the whole of market to ensure that you select the best available Buy-to-Let mortgage to help you achieve your property ambitions.

Ian Francis is a fully qualified member of the Society of Mortgage Professionals, having built his expertise as an independent mortgage broker.

Click here to see his SMP directory listing.

Ian is also a fully qualified member of the Personal Finance Society, since 1994. He has built his expertise with numerous qualifications and professional development each year.

Click here to see his PFS directory listing.

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Important Information

Think carefully before securing debts against your home. You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage. *Some buy to let mortgages are not regulated by the Financial Conduct Authority.

We’re on Unbiased

Unbiased is a database of top-rated professional independent financial advisers, mortgage brokers and accountants. Many parts of the government, such as the Money Advice Service as well as various consumer bodies, such as Which?, and leading investment and insurance companies, refer clients and readers to the Unbiased website, for regulated advice.

We’re on VouchedFor

VouchedFor is the UK’s leading independent review site for financial advisers, mortgage advisers, solicitors and accountants. Clicking on the VouchedFor badge will take you to our VouchedFor page where you can see my rating and read reviews left by my clients.

The Times VouchedFor’s 2021 Top Rated Financial Adviser Guide

I am humbled and honoured to be recognised by our clients. I am so grateful for the work I do every day and thank you to all who have supported me throughout this incredible journey so far. Our 5-star rating is something we are committed to retaining through high-quality advice and service to all our clients.

Please Get In Touch

Call Us:

01522 788887

Email Us:

Main office address:

10 Newark Road,


Lincoln, LN5 9HA

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Chestnut Financial Services Limited. Registered in England no 9918363. Registered office: Commerce House, Carlton Boulevard, Lincoln, LN2 4WJ

Authorised and regulated by the Financial Conduct Authority No. 840940