Godfreyfs

Godfreyfs

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

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

• 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.

    • ‘Your home may be repossessed if you do not keep up repayments on your mortgage.’
    • ‘Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.

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

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

ARRANGE A FREE APPOINTMENT

Authorised. Qualified. Trusted.

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Godfrey Financial Solutions Ltd is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd, authorised and regulated by the FCA (FRN 535515).

 

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Member of the Chartered Insurance Institute (CII)

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CeMAP & DipFA Qualified

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Member of the Wallbrook Institute London (previously the LIBF)

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Authorised and Regulated by the Financial Conduct Authority

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Chartered Insurance Institute Member

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CeMAP & DipFA Qualified
London Institute of Banking & Finance Accredited

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No negative equity guarentee

At Godfrey Financial Solutions, we are committed to professional standards and regulatory compliance. Our adviser is qualified and able to provide guidance tailored to your needs.

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.

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 found that some lenders were unable to support the application due to their visa status.
Solution: Our adviser supported the client by exploring mortgage options with lenders who consider applications from foreign nationals and helped present their financial circumstances.
Outcome: With guidance from our adviser, the client was able to proceed with purchasing a property in London using a mortgage product suitable for their circumstances.

Individual results will vary depending on personal circumstances.

Debt Consolidation for a Self-Employed Couple

Problem: A married couple, both self-employed, had accumulated credit card and loan balances which made their monthly financial commitments difficult to manage.
Solution: Our adviser supported them in reviewing their mortgage options, including the possibility of remortgaging their property to combine existing debts into one monthly payment.
Outcome: Following guidance from our adviser, they were able to restructure their borrowing into a single monthly payment aligned with their financial circumstances.

Individual results will vary depending on personal circumstances.

Later Life Mortgage for a Retired Teacher

Problem: A retired homeowner wanted to release equity from their home to help family members with university costs but was unsure which options were available.
Solution: Our adviser supported the client in exploring later-life lending options and explained how different mortgage products could work for their personal circumstances.
Outcome: With guidance from our adviser, the client was able to access funds from their property while continuing to live in their home.

Individual results will vary depending on personal circumstances.

Buying a London Flat on a Spouse Visa

Problem: A client on a spousal visa with a limited UK credit history found it difficult to obtain mortgage options despite having stable income.
Solution: Our adviser supported the client by identifying lenders who consider visa-based applications and helping present their income and financial profile.
Outcome: With guidance from our adviser, the client was able to proceed with purchasing a property in London.

Individual results will vary depending on personal circumstances.

Self-Build Completion Funding

Problem: A couple building their own home required additional funding to complete construction after their initial budget was exhausted.
Solution: Our adviser supported them in exploring self-build mortgage options that consider the value of the property during construction stages.
Outcome: With appropriate financing in place, the couple were able to complete their home and move into the property.

Individual results will vary depending on personal circumstances.

Freelance IT Consultant Securing a UK Mortgage

Problem: A freelance IT consultant earning income through overseas contracts wanted to purchase a property in the UK but found that some lenders did not recognise their income structure.
Solution: Our adviser helped the client present their income documentation and explored lenders who consider freelance and international income sources.
Outcome: With support from our adviser, the client was able to secure mortgage finance and proceed with purchasing a property in the UK.

Individual results will vary depending on personal circumstances.

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

Problem: An overseas client wanted to invest in a UK rental property but did not have a UK credit history.
Solution: Our adviser supported the client in exploring lenders who consider international applicants and helped structure the application using available financial evidence.
Outcome: With guidance from our adviser, the client was able to proceed with purchasing a buy-to-let property in the UK.

Individual results will vary depending on personal circumstances.

First-Time Buyer with 10% Deposit

Problem: A young couple had saved £35,000 for a deposit but were unsure if they could afford a property in London.
Solution: Our adviser supported them in exploring mortgage options, helping them understand how different deposit levels and products could work for their circumstances.
Outcome: With guidance from our adviser, they were able to move from renting to home ownership.

Individual results will vary depending on personal circumstances.

Our Lenders

“We work with a panel of lenders including but not limited to the above. Logos are for illustrative purposes only.”

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