Let us unlock your potential!

What We Do

At Godfrey Financial Solutions, we provide friendly, personalised advice across a range of mortgage and protection services. Whether you’re buying your first home, planning for later life, or protecting your family, we’re here to guide you — every step of the way.

Our Services:

• First-Time Buyer Mortgages

We’ll walk you through the entire process, helping you secure the right mortgage deal with clear, easy-to-understand advice.

• Home Mover Mortgages

Looking to move? We’ll help you secure your next mortgage smoothly so you can focus on your new chapter.

• Remortgaging

We compare deals from across the market to help you reduce monthly payments, release equity, or fix your rate.

• Buy to Let & Let to Buy Mortgages

Whether you're starting or growing your portfolio, we offer strategic advice for landlords and investor buyers.

• Joint Borrower Sole Proprietor (JBSP) Mortgages

A great solution for families — helping younger buyers get on the ladder with parental support, without giving up ownership.

• Self-Employed & Complex Cases

No payslips? No problem. We understand self-employed income and specialist lending criteria — and we know where to look.

• Equity Release & Later Life Mortgages

Unlock tax-free cash from your home if you're aged 55+, while continuing to live in it — safely and securely.

• Life & Critical Illness Insurance

Protect your family and your home with cover that pays out when it matters most.

• Income Protection

Replace your income if illness or injury stops you working — with tailored plan

• End-to-End Support

We can arrange conveyancing, property valuations, and connect you with trusted solicitors and accountants — all in one place.

Need guidance? We’re just a phone call away.

📞 Call Samson directly on 07585 004165 or contact us online.

Authorised. Qualified. Trusted.

Authorised and Regulated by the Financial Conduct Authority

Chartered Insurance Institute Member

CeMAP & DipFA Qualified
London Institute of Banking & Finance Accredited

No negative equity guarentee

At Godfrey Financial Solutions, we are committed to the highest professional and regulatory standards. Our advisors are qualified, and fully authorized to guide you with confidence and care.

Client Case Studies

Helping a Foreign National Buy Their First UK Home

Problem:A client working in IT on a Tier 2 visa wanted to buy a home in the UK but was repeatedly declined by lenders due to their visa status.
Solution:We worked with specialist lenders who understand the circumstances of foreign nationals and secured a 90% LTV mortgage with a competitive rate.
Outcome:The client purchased a £450,000 property in London with just a 10% deposit and now has a clear path to permanent residency and homeownership.

Debt Consolidation for a Self-Employed Couple

Problem:A married couple, both self-employed, had over £70,000 in credit card and loan debts. Monthly payments were unmanageable and affecting their mental health.
Solution:We arranged a remortgage of their existing property, consolidating all debts into one affordable monthly payment at a much lower interest rate.
Outcome:Their monthly outgoings dropped by £1,100, and they are now in control of their finances with a plan to become debt-free.

Later Life Mortgage for a 72-Year-Old Retired Teacher

Problem:A retired teacher wanted to release equity from her home to help her grandchildren with university costs but was unsure what options were available at her age.
Solution:We sourced a later-life mortgage (retirement interest-only) that didn’t require her to sell her home or make large monthly repayments.
Outcome:She accessed £150,000 from her property and was able to support her family while retaining full home ownership.

Buying a London Flat on a Spouse Visa

Problem:A client on a spousal visa with a short credit history in the UK struggled to get a mortgage offer despite having a good income.
Solution:We approached lenders who specialize in expat and visa-based applications, highlighting the client’s income stability and savings history.
Outcome:She secured a 5-year fixed mortgage and moved into her new £380,000 apartment in East London with peace of mind.

Self-Build Completion Funding

Problem:A couple ran out of funds midway through building their dream home and needed £300,000 urgently to complete the project.
Solution:We arranged a self-build stage release mortgage using the property’s increased value after partial completion.
Outcome:They finished the build without further delays and moved into their custom-designed countryside home within four months.

Freelance IT Consultant on Indian Payroll Securing UK Mortgage

Problem:A freelance IT consultant working remotely for a company in India wanted to buy a property in the UK. Despite earning over £70,000 a year, most UK lenders didn’t recognise his foreign income or contract-based work.
Solution:We approached specialist lenders who understand the nuances of international payrolls and freelance contracts. We helped him present a clear income trail, contract history, and proof of UK residency.
Outcome:He secured a £320,000 mortgage with a 15% deposit, moved into a flat in Reading, and continues building credit in the UK while working remotely.

Foreign Investor Buying a Buy-to-Let in the UK

Problem:An Indian client wanted to invest £100,000 into a buy-to-let property in the UK but didn’t have a UK bank account or credit history.
Solution:We arranged an international buy-to-let mortgage through a lender with a dedicated foreign investor team, using assets held abroad.
Outcome:He bought a £400,000 rental flat in Manchester, generating monthly income while planning future UK visits.

First-Time Buyer with 10% Deposit

Problem:A young couple saved £35,000 for a deposit but didn’t think they could afford a property in London.
Solution:We secured them a 90% mortgage with no broker fee and a cashback incentive through a high street lender.
Outcome:They bought a £350,000 flat in South London, moving from renting to homeownership in just three months.

Client Reviews

Peter Providence

London

“Godfrey Financial Solutions helped me secure a mortgage when every other lender said no. Their attention to detail and understanding of my complex income streams was outstanding. Highly recommended for professionals and entrepreneurs.”

M. Rahman

Croydon

“I approached Godfrey FS for advice on restructuring my debts during a tough financial period. They handled my case with compassion and clarity, and helped me regain control. I’m forever grateful.”

R. Patel

Dubai

“As a non-resident Indian looking to invest in the UK, I was overwhelmed. Godfrey FS made it simple and transparent, with a clear monthly income plan and a tax-efficient setup. Very professional.”

A. De Silva

Harrow

“What stood out about Godfrey FS was their ability to tailor a mortgage solution that suited both me and my family’s long-term goals. They’re not just advisors, they’re true partners.”

Dr Das

Ilford

“After dealing with a high street bank for months, I gave Godfrey FS a try. Within 2 weeks, I had an agreement in principle and full support through to completion. Brilliant service!”

T. Karunaratne

Colombo

“I was referred to Godfrey FS by a friend, and it turned out to be a turning point. Their insight into investment and exit strategies gave me the confidence to start a legacy project abroad.”

N. Sharma

Wembley

“Godfrey FS managed to find a lender willing to accept my unique employment and visa status. I’m now a proud homeowner in London. Thank you for making it happen!”

B. Bola

Hounslow

“They’re more than just mortgage advisors – they understand real-world challenges. They helped me move from high-interest credit into a sustainable, long-term plan. Absolute legends.”

F. Arun

Slough

“We were setting up a pharmacy business and needed guidance on funding from my properties, compliance, and location. Godfrey FS gave us a roadmap and introduced us to the right partners. A one-stop solution.”

K. Dias

Watford

“From the first Zoom call to getting my keys, Godfrey FS made me feel heard. Their calm, methodical approach gave me peace of mind during a very stressful process.”

7 Days Ago