Who are we?
At Gary Poyntz Mortgages and Protection Limited, we understand that finding the right mortgage or protection plan is one of the most important financial decisions you’ll ever make. Based in the UK, we provide expert, whole-of-market advice tailored to your individual circumstances whether you’re a first-time buyer, looking to remortgage, expanding your buy-to-let portfolio, or protecting your family’s future.
As independent mortgage and protection advisers, we have access to a wide panel of lenders and insurance providers, including exclusive deals not available directly to the public. This allows us to find competitive rates and flexible solutions that best suit your goals.
Our advice is completely unbiased and transparent. We are not tied to any specific lender or provider, meaning our sole focus is on helping you secure the right mortgage and protection products for your needs. From the initial consultation to completion, we guide you through every stage of the process, ensuring clarity, confidence, and a smooth experience.
We take pride in our strong work ethic, personal service, and commitment to treating customers fairly. Every client is given the time, attention, and expert support they deserve. Whether you’re buying your first home, investing in property, or reviewing your financial protection, we’re here to make sure you have the right advice and the best options available.
You can find us on: Morgage Broker Directory
We arrange mortgages with honesty, clarity, and practical expertise. Here’s what sets us apart:
1. Independent and Whole-of-Market Mortgage Advice
We offer impartial advice with full access to the whole market. This allows us to search across high street banks, specialist lenders, and exclusive products to find a mortgage that fits your individual needs.
2. Tailored and Impartial Recommendations
We take the time to understand your situation, goals, and budget before giving advice. Since we are not tied to any bank or building society, you receive unbiased guidance that reflects your circumstances, not a lender’s preferences.
3. Clear, Practical Expertise from Start to Finish
Our experience in both mortgage and protection planning means you receive practical, informed advice throughout your entire application from enquiry to completion. We break down each stage in clear terms so you always know what to expect.
4. Protection Advice to Suit Your Life
We can help you put the right financial safeguards in place. Whether it’s life cover, critical illness protection, or income protection, we offer tailored solutions to support you and your family if circumstances change.
5. Commitment to Transparency and Fair Treatment
We are committed to fair treatment, straightforward communication, and transparent advice. You will always understand your options, the next steps, and any associated costs before making a decision.
Residential Mortgages with Gary Poyntz Mortgages and Protection Limited | Burnham-On-Crouch
A residential mortgage is a loan used to buy or remortgage a home you intend to live in. Lenders assess your income, credit history, deposit, and outgoings to determine affordability. Repayment mortgages are the most common, where you pay both interest and part of the loan each month. Fixed, variable, and tracker rates are available, with terms typically ranging from 5 to 35 years. First-time buyers, home movers, and remortgagers can all apply. Most lenders require at least a 5% deposit, though a larger one often secures better rates. A mortgage broker can help compare products across the market, ensuring you find a suitable deal based on your circumstances. Early advice is key to avoiding delays or declined applications.
Gary Poyntz Mortgages and Protection Limited | Expert Commercial Mortgage Brokers in Burnham-On-Crouch
Whether you’re buying or refinancing a commercial property, we offers expert support every step of the way. Our experienced brokers in Essex can help secure competitive finance for offices, warehouses, shops, or trading premises.
Owning your business premises can cut long-term costs and provide a valuable asset. For investors, commercial properties often deliver stronger rental yields than standard buy-to-lets.
Every commercial mortgage is tailored to the applicant’s needs, but the process can be more complex than residential lending. That’s why clear advice is vital.
Whether you’re growing your business or expanding a portfolio, we’ll assess your goals, income, and future plans to recommend the most suitable mortgage for your situation.
Protect Your Future with Gary Poyntz Mortgages and Protection Limited – Burnham-On-Crouch
Protection Matters | Life can change in an instant. Illness, job loss, or death can leave your finances exposed without warning. That’s why putting the right protection in place is crucial. We help you plan ahead with tailored solutions—whether it’s life insurance, critical illness cover, or income protection.
Many delay taking action, only realising the value of cover when it’s too late. While people insure their phones or gadgets, they often overlook what truly matters: their income, health, and family’s future. A well-advised policy brings stability when it’s needed most. Poor advice, on the other hand, could leave serious gaps.
Don’t leave it to chance. Take action today and protect what’s most important—your financial wellbeing and peace of mind.
What Makes Us Unique?
Built on Trust. Driven by Results. Focused on Your Future.
Gary Poyntz Mortgages and Protection Limited was founded on the values that reflect both our name and our purpose, honesty, professionalism, and customer care. We’re proud of the progress we’ve made, not just in numbers, but in the lasting relationships we’ve built with our clients and lenders.
Every milestone we’ve reached is the direct result of our advisers’ commitment, integrity, and attention to detail. Our success is measured by the trust our customers place in us, and the consistent results we deliver, whether it’s securing a mortgage or arranging essential protection.
We continue to grow with one goal in mind: to give every client the confidence and clarity they deserve when making key financial decisions. The future matters and we’re here to help you plan it with certainty.