Mortgage and Protection Broker in Spalding, Lincolnshire – Richard Kwakye

Spalding is one of the areas where expert mortgage advice is readily available through Richard Kwakye. Based in Spalding, Lincolnshire, Richard offers tailored solutions across residential, commercial, and semi-commercial mortgages.

His services also cover buy-to-let, HMOs, bridging finance, limited company mortgages, second charge mortgages, protection, and general insurance.

With local insight and FCA-authorised guidance, he ensures each client receives financial advice that meets UK standards.

Residential, Commercial, and Semi-Commercial Mortgages

Whether you’re buying your first home in Spalding or expanding your commercial footprint, Richard supports a wide range of mortgage needs.

He works with mainstream banks and specialist lenders to find products that match your income, credit profile, and property goals.

Applicants seeking mortgages on mixed-use buildings can also benefit from solutions based on UK commercial lending rules.

Buy-to-Let and HMOs

Spalding has growing interest from landlords and investors. If you’re buying a rental property or planning an HMO, Richard offers advice tailored to these sectors.

He ensures your mortgage application meets rental stress tests, LTV limits, and local licensing rules. He also helps first-time landlords understand deposit requirements and achievable yields.

Bridging Finance for Time-Sensitive Needs

Bridging finance is ideal if you need short-term funding for property purchases, renovations, or chain breaks.

Richard supports clients across Spalding and Lincolnshire who need quick completion times. Loans can be arranged for auction purchases, refurbishment projects, or capital releases.

Each case is reviewed for exit strategy, interest structure, and legal readiness—ensuring it complies with UK short-term lending rules.

Limited Company and Second Charge Mortgages

If you’re investing through a company, Richard finds lenders who assess business income, director loans, and SPV structures correctly.

For homeowners seeking to raise capital, second-charge mortgages offer flexibility. Whether for home improvements or business cash flow, they sit behind your first mortgage and require clear repayment plans.

Mortgage Protection and General Insurance

Mortgages are long-term commitments, and protection is key. Richard explains suitable policies for life cover, critical illness, and income protection.

He also arranges buildings, contents, and landlord insurance to safeguard your investment. All insurance advice complies with UK Financial Conduct Authority regulations.

Spalding and Nearby Areas Served

Richard Kwakye is based in Spalding but also covers nearby towns across Lincolnshire. These include:

• Boston

• Stamford

• Holbeach

• Bourne

• Sleaford

• Grantham

Each town has different lending conditions and property values, and Richard adjusts his recommendations to suit your chosen location.

FCA-Regulated Advice Tailored to You

The Financial Conduct Authority regulates all advice from Richard. Whether you’re employed, self-employed, or have complex income, he ensures every application is accurate and realistic.

You’ll receive clear advice with no jargon. He handles lender communication, paperwork, and updates throughout the process.

Why Choose Richard Kwakye in Spalding?

• Located in Spalding, with local insight and access to regional lenders

• Advice covering residential, commercial, and landlord finance

• Specialist in bridging, second charge, and limited company lending

• Transparent, FCA-regulated service with end-to-end support

If you’re in or near Spalding, Lincolnshire, and need mortgage or insurance advice that meets UK lending rules, contact Richard Kwakye today.