Business Details
Expert Mortgage Advisers in Worthing
At Nepcote Financial, we are a small family-run business dedicated to providing the highest quality mortgage advice. Our experienced, fully qualified advisers combine local expertise with access to a comprehensive range of mortgage products through the latest online sourcing facilities. We prioritise a friendly and efficient service, ensuring clients receive tailored solutions that align with their personal circumstances. Our administration team provides ongoing support, keeping clients informed throughout the application process.With a strong reputation built on returning clients and referrals, we focus on making the home-buying or remortgaging journey smooth and stress-free. Our team works with lenders both large and small to secure exclusive deals, while maintaining a client-centric approach that values transparency and long-term relationships. We are committed to upholding the high standards set by our regulators and strive to exceed expectations through personalised service and industry knowledge.
Services
Mortgages
Protection
General Insurance
Equity Release
Mortgage Advice
Highlights and features
- We offer over 20 years of combined experience in mortgage advisory services
- Our team includes fully qualified mortgage and protection advisers
- We provide access to exclusive mortgage deals through diverse lenders
- Our client-centric approach prioritises transparent communication
- We maintain a 98% client retention rate through consistent service quality
What people say
Excellent service
Professional and friendly
Stress-free process
Prompt communication
Highly recommended
Services
Mortgages
We provide comprehensive mortgage advice covering residential and buy-to-let properties. Our qualified advisers help clients navigate various mortgage types including repayment, interest-only, fixed-rate, and tracker mortgages. With access to exclusive deals through major lenders, we ensure tailored solutions that match individual financial circumstances while maintaining transparent fee structures.
Protection
Our protection services include life assurance, income protection, and critical illness cover. Advisers help clients understand different policy options and create customised protection plans. We focus on balancing comprehensive coverage with affordability, ensuring clients have appropriate safeguards for their families and financial commitments while maintaining flexibility for future adjustments.
Equity Release
We offer lifetime mortgage solutions for clients aged 55+ seeking to unlock tax-free cash from their property. Our advisers explain associated risks and benefits, including inheritance implications. The service includes detailed assessments of eligibility criteria, interest rate structures, and repayment terms to ensure clients make informed decisions about their financial future.
General Insurance
We provide referral-based buildings and contents insurance with options for home emergency and legal protection. Our advisers help clients select appropriate coverage levels through multiple insurers, focusing on comprehensive protection against common perils while maintaining competitive premiums and ensuring clear understanding of policy terms and exclusions.
Mortgage Advice
Our mortgage advisory service combines market expertise with personalised financial analysis. Advisers evaluate clients' specific circumstances to recommend suitable products across repayment structures, interest rate types, and loan-to-value ratios. We maintain transparent fee structures while providing ongoing support throughout the application process and beyond to ensure long-term client satisfaction.
People
Mark Baker
Director
Fully qualified mortgage and protection adviser with extensive experience in residential and buy-to-let transactions. Specialises in finding tailored solutions for complex cases while maintaining exceptional client communication.
Mandy Baker
Director
Office manager and mortgage adviser ensuring regulatory compliance and procedural excellence. Provides strategic oversight while maintaining hands-on client support for protection and mortgage products.
Paul Green
Mortgage Adviser
Qualified adviser specialising in buy-to-let mortgages and associated protection products. Combines technical expertise with clear communication to help clients navigate complex financial decisions.
Georgina Daltrey
Mortgage Adviser
Experienced adviser known for exceptional client support in mortgage applications and protection planning. Recognised for prompt communication and ability to simplify complex financial concepts for clients.
Jo
Administration Team
Key member of the support team providing ongoing assistance throughout mortgage processes. Ensures timely updates and maintains organisational excellence in client documentation and communication.
Questions
What types of mortgages do you offer?
We provide residential, buy-to-let, repayment, interest-only, fixed-rate, tracker, and equity release mortgages through a comprehensive range of lenders.
How are your fees structured?
Standard mortgages over £100,000 have no fee. Mortgages under £100,000 cost £495, equity release £695, with all fees split between application and completion stages.
Can you help with complex mortgage cases?
Yes, our advisers specialise in handling adverse credit, debt consolidation, and complex income structures with tailored solutions through specialist lenders.
Do you offer protection insurance?
We provide life assurance, income protection, and critical illness cover with customised combinations to suit individual circumstances and financial commitments.
How does equity release work?
Equity release allows homeowners aged 55+ to access tax-free cash from their property through lifetime mortgages, with repayment deferred until death or long-term care.
What areas do you serve?
While based in Worthing, we provide mortgage advice to clients across the UK with both in-person and remote consultation options available.
