Start Financial Services

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For over 20 years we have been innovating in the financial services market, providing bespoke mortgage and insurance solutions for a variety of individuals and businesses.


With dedicated offices in both Bromley and London Bridge, alongside the 40-branch estate agency network of Acorn, Langford Russell and John Payne, our brokers are able to service the needs of clients working and living throughout London, Kent and Medway. We can also work remotely with clients that we are not able to meet face-to-face because they are based elsewhere in the UK.


Our priority is customer service and we win a large percentage of our business via personal referrals. We assign our clients a specific broker and administrator so they always get through to a real person who is familiar with their application.


We provide clear, concise mortgage and insurance advice, and work closely with lenders, insurers, solicitors and estate agents, to ensure that transactions run as smoothly as possible. 


Please don’t hesitate to pick up the phone or e-mail us to ask any mortgage or protection questions you have, no matter how insignificant they may seem. Our experts are on hand to help.


Why choose us?


There’s more to Start Financial Services than meets the eye. Find out why we’re the homebuyer’s best-kept secret.


20 years experience

Since we first opened our doors, we’ve helped over 35,000 satisfied clients find mortgage and insurance products.

Over 200 lenders

We have access to over 200 lenders, taking the leg-work out of finding the best deals. We work with high street lenders and also a wide range of private banks.

Exclusive deals

Many of our deals are not available elsewhere on the high street or internet, and we can often help where other brokers cannot.


We liaise with lenders, providers, agents and solicitors, on your behalf, and keep you up to date at all times.

A personal service

We provide a personal and tailored service that allows you to speak to a real person at all times — someone who fully understands your circumstances.

No robots

No complicated phone menus, just straight through to a human being who will be familiar with your application.

Free advice

The initial consultation is free and we only charge a reasonable broker fee when we submit your application.

Specialist service

We can arrange mortgages for the self-employed, first-time-buyers, buy-to-let investors, contractors, overseas clients, and those with adverse credit. We can also arrange insurance for clients with pre-existing medical conditions.



“Amazing service and support. Highly recommended. Definitely 5 stars.” Ms G S

“Expert friendly advice. I am a repeat customer and would recommend strongly.” Mr G T

“Helped us so much in finding a mortgage. I cannot fault their service.” Ms E B

“Amazing service and support. Highly recommended. Definitely 5 stars.” Ms G S

“Absolutely fantastic. Left no stone unturned. Very proactive.” Mr D C

“Excellent service. Worked very efficiently with no fuss. Highly recommended.” Mr K Z


Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount will depend on your circumstances, but a typical fee is £650.

Jargon Buster

Provided to you by a lender, confirming ‘in principle’ what they will allow you to borrow. This can be provided to agents and sellers to show that you can afford their property.

APR means the Annual Percentage Rate and APRC is the Annual Percentage Rate of Charge. These are both used to compare the overall cost of a mortgage. APR compares the cost of the mortgage for the initial fixed period (for example, the first two or five years) whereas the APRC is the overall cost of the mortgage should you pay it for the full term of the mortgage period (for example, 25 year term). A broker would use these to recommend the most appropriate mortgage, based on the initial term and the overall term and make their recommendation based on this information.  

Automated Valuation Model, also known as a desktop valuation. The lender instructs their preferred surveyors to confirm the value of the property without the need to physically go to the property. Surveyors will base their valuation on recent sales and other recent valuations. You will not receive a copy of the valuation if an AVM is carried out. 

Lenders will often charge an arrangement fee to set up your mortgage. You can choose to pay this up front or add the arrangement fee to the mortgage. If you choose to add the fee you will pay interest on the fee over the term of the mortgage. Your broker will compare products with and without fees and recommend a deal for you. 

If you do not pay your mortgage on the date that has been agreed each month, you will fall into mortgage arrears. Should you not be able to pay your mortgage for any reason, contact the lender immediately to discuss your circumstances. 

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