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Concessionary mortgage specialists.

Concessionary mortgages are used to purchase property at below its market value and represent a great way to either get a foot on the property ladder or expand an existing portfolio. Referred to by some as Below Market Value or Gifted Equity, these types of mortgages are suitable for buying a property from family, landlords, developers, or other vendors perhaps looking to make a quick sale.

The mortgages work by using the discounted amount as all or part of the required deposit, lowering the mortgage amount and enabling buyers to purchase a property they may otherwise be unable to afford. Among the most common use of a concessionary mortgage is parents or grandparents helping younger generations buy their first home.

Local. Experienced. Trusted.

Specialising in helping clients with mortgages in Harpenden, Luton and across Herts, Beds, Bucks and Nationally across the whole UK, we have developed an enviable reputation for delivering outstanding outcomes for our customers.

Our commitment to unrivalled service and ability to build strong connections promotes a true collaborative approach which we bring to every interaction.

Taking the time to understand our clients and their needs enables us to tailor the advice we give and help select the perfect product. We have access to the most competitive rates on the market and the expertise to find the right solution for you.

Call us today on 01582 455592

Let us help you

Receiving the right advice is critical in ensuring you meet the required lending criteria and choose the concessionary mortgage that is right for you. Property sales between family members are often easier to arrange than transactions between investors and private vendors, but each lender requires certain conditions are met.

Certain complexities are attached to concessionary mortgages that cause some lenders to avoid offering products in this area but working with our experienced team of mortgage Advisers will provide access to active lenders in this sector with the best mortgages and rates.

Call us today on 01582 455592 or send an e-mail to gerry@sextonfinancialservices.co.uk to talk to one of our Advisers

Effective and Efficient

Gerry and the team at Sexton Financial Services have been absolutely fantastic! We have just remortgaged which can be very stressful as a self employed couple but everyone in Gerry’s team has been professional, friendly and very efficient. We were shocked how quickly the team work. Gerry is very knowledgeable and it’s obvious he really cares about his clients. He was always happy to personally take our calls and answer any questions we had.

My husband and I had a negative experience with a different company 5 years ago who took weeks to respond to emails and often just ignored our calls. They made the whole mortgage process even more stressful. We just felt like a number to them.

Gerry and his team were the complete opposite. They are so on the ball with everything, they were always happy to help. It was such a pleasant experience, we will certainly be coming back here for any other financial services going forward.

Thank you Gerry and team 😊

Chelsea and Brendan Fields

I can't recommend Gerry and the team highly enough! From the very first call, they took the time to truly understand our individual needs. The advice has been clear, and always tailored to our specific situation. The team have been super responsive to any of my queries along the way. If you're looking for someone knowledgeable, trustworthy, and genuinely committed to helping you, I highly recommend reaching out. It's one of the best decisions I've made.

Colum Boland, May 2025

Great fast service.

David Hawkins, May 2025

I'd leave 6* if I could! My second mortgage with Sexton and I can not explain how easy the process is, an amazing admin team around, communication is awesome and so delighted with the product we were able to fine! Will always recommend to friends and family.

Aaron, February 2025

Amazing company! Really took the stress out of buying our first home and were there every step of the way. They didn't mind answering any questions I had and did so with such kindness and patience, being a first time buyer, I was clueless! They found the best deal for us, and kept checking the market ensuring we got the best rate before completing. I honestly cannot recommend them enough. Friendly, knowledgeable, patient and had the perfect personal touch. Thank you, guys

Kirsty Smith, February 2025

I was recommended to use Sexton Financial Services as a mortgage broker through a friend. Throughout the entire process i found the team to be extremely attentive, proactive and responsive. This being my first time taking out a mortgage i had many questions that were all explained to me very clearly. I felt the team were driven to get me the best product possible and i am confident we managed to find the best deal available. I would like thank Gerry, Kirstie and Natasha for their help and I will be passing on the good word if anyone were to ask me for a recommendation.

Robert, February 2025

If you'd like to learn more about us and services we provide, please get in touch with our friendly team today on 01582 455592 or fill out the form below and we will get in touch:

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements'.

Unit 16, Thrales End, Harpenden, AL5 3NS Call: 01582 455592 Email: gerry@sextonfinancialservices.co.uk

Fees

Mortgages

For our mortgage advice services we will charge a fee of £399.
If you make any amendments once you have received your offer, we will charge an additional £25 to cover our administration costs.
For our buy- to- let mortgage advice services for an individual we will charge a fee of £399 & £450 for a Limited Company.

Mortgage Product Transfer

For our mortgage product transfer advice services we will charge a fee of £90.00

Mortgage advice – payment due at the time of the formal offer
Amendments – payment is due at the time the amendment is made
Buy to let mortgages – payment is due at the time of the formal offer
Product Transfers – payment is due at the time of formal offer

Complaints Procedure

Please click here to view out complaints procedure.

Regulatory Information

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Sexton Financial Services Ltd, registered in England and Wales at Unit 16, Thrales End, Harpenden, AL5 3NS (number 10519945). Sexton Financial Services Ltd. is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd. which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let. This website does not collate Cookie data.

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Call:01582 455592

Email: gerry@sextonfinancialservices.co.uk