For your FREE mortgage consultation call 01788 812605 & 07568 091968 or email

Happy Clients


I was recommended by a friend and I was not disappointed. Lloyd has helped me get the property I wanted along with sound and honest advice. Lloyd has a knack for building and maintaining strong, enduring friendships. These relationship-building skills make him easy to talk too – to be honest and up front with as that is the level of service you receive from him. Always willing to go above and beyond and do his best for you. Lloyd is absolutely fantastic at his job and I wholeheartedly recommend him. Please do not hesitate to be in touch if you have any further questions.


Lloyd is the man!!!

Lloyd is the man! He sorted out our original mortgage and has now just revisited it and got us a better deal which is more suited to our current circumstances. Many thanks. His knowledge and experience of the market saved us so much time and made the whole process hassle free.



Many thanks to Lloyd and his excellent service. After 2 stressful months dealing with our bank, we decided to contact Lloyd for his Mortgage assistance. The process was very smooth and communication fantastic. Within a few weeks we have completion! We recommend LPR Mortageges to our friends and I am sure that we contact Lloyd again in the future.



Lloyd made it very easy and stress free for me and my husband buying our first house. It was nice to have someone to trust and do all the back ground work! Nothing was ever to much for Lloyd, he was always there to answer any questions. Brilliant service and very professional thank you so much for all your help.



Probably the only part of the house buying process that was stress free was dealing with Lloyd.

Fantastic service, issues that were dealt with very quickly, through a less than easy experience through no fault of LPR, friendly professional and knowledgable would not hesitate to recommend Lloyd to friends family. Thanks again



Probably the only part of the house buying process that was stress free was dealing with Lloyd.

We had a few bumps along the road but Lloyd was super quick and on the case in getting them sorted!

Thank you so much Lloyd



We used LPR Mortgages after having our previous mortgage application declined. We felt disheartened with the system after a previous long drawn out process, however from the moment we contacted Lloyd things couldn't have been more different! Lloyd made the whole process simple and extremely efficient, nothing was ever too much and communication was constant - mainly putting us at ease! We can happily say Lloyd got us our mortgage offer without any fuss and very quickly! We also used Lloyd to arrange our protection, again this was very quick and efficient. It left us thinking how easy this process was this time around. We would highly recommend LPR Mortgages!



SUPER FANTASTIC JOB! 5***** Lloyd P Richards gave everything from the start to the end. Without Lloyd P Richards input my house move wouldn't happen. I advise to everyone to at least have a look to what Lloyd P Richards can offer you. Moving house is a life changing decision. In my case, contacting Lloyd P Richards was a life changing decision. Regards, A. Matias



Lloyd has been fantastic and great support throughout the process of purchasing a house. With his help, it saved us time from having to search for different mortgages, which all we needed to do was pass on our details to Lloyd and he would do the rest. Since we have purchased out house, we have recommended his services to friends who are also in the process of purchasing a house.


Working with Lloyd has been a pleasure

My whole experiance working with Lloyd has been a pleasure he has made the purchase of my first home a breeze nothing has been to much trouble and I will be going back to Lloyd in the future thank you


Lloyd Fully Understood

We needed straight forward advice and that is exactly what we got. Sometimes you just want to understand your options and be completely informed to make the best decision. Lloyd fully understood our needs and found a solution that means we will be mortgage free when it is right for us. I would highly recommend LPR Mortgages to my friends and family.


Very easy

It has been great to have had Lloyd helps me and partner out. He made is very easy for us to go through the buying a house process. He was always very honest and always kept us in the loop as to what was happening. Also he was very easy to contact. Thank you very much.



I would like to thank LPR Mortgage Services for efficient and professional sevice. All communication has been excellent, and nothing has been too much trouble. Lloyd made a very anxious process a lot easier!

We were impressed by his patience, commitment and compassion! We feel LPR MortgageServices/Lloyd was a massive part in making our dreams come true! Highly recommended customer focused service!


The Extra Mile

Brilliant service with great advice on all aspects of my first purchase. Made it simple and stress free. Cannot speak highly enough of Lloyd will definitely be using again when when the times comes. Thank you Lloyd I always felt you'd gone the extra mile for me as standard.


Definitely use his services again

We would completely recommend the services offered by LPR mortgages. Lloyd was incredibly helpful and supportive throughout the whole process. He actively listened to what we wanted to achieve and updated us through the process. We would definitely use his services again in the future. Thanks Lloyd!


Fantastic service

Fantastic service, really helpful to have someone who takes care of the difficult bits! And who is a constant support through the whole process. Would definitely recommend!



I'm delighted that I chose Lloyd to organise my recent remortgage for me. It was quick and easy and painless. Thanks very much Lloyd.



Brilliant service - would highly recommend.



Lloyd helped us through buying our first house, and made everything a lot easier for us. It was amazing to be able to trust someone with everything as we had no idea what we were doing! Thank you Lloyd!


Trustworthy and Honest

We have used Lloyd for financial advise regarding our re-mortgage and our personal payment protection insurance. Lloyd has been very approachable from the start of this process and has been very patient with my questions regarding the process. I have no hesitation in recommending Lloyd as I have found him Trustworthy, honest, helpful and with a in-depth knowledge of mortgages and insurances. He has made the process easier for us and was always available to answer queries.


We Recommend LPR

Thanks to Lloyd for his help during our first buying. He was always present when we needed help, he answered quickly and precisely to our questions, and he gave us really good advices. We recommend his services.


I got the best deal available

Thank you Lloyd. You made the whole process simple and stress free. You answered all my questions and got the best deal available. I would recommend your services whole heartedly.


Refused a mortgage, so we turned to Lloyd

Having previously been refused a mortgage from a well-known high street bank and getting no feedback as to why, we turned to Lloyd for guidance and were not disappointed. Lloyd brought the process down to a detailed and understandable level for us and was always on hand to answer our questions. We will happily say without Lloyd's help we would not be home-owners right now! As a family we owe many thanks to Lloyd for his service.


100% Professional

Lloyd's service from start to finish was 100% professional, easy to understand and hassle free. He found us an amazing rate and managed to source all of the funds we required for our remortgage and renovation project. My experience of dealing with mortgage companies directly before has always been stressful and complicated however Lloyd handled everything and achieved everything we wanted. We would definitely recommend him to anyone sourcing mortgage advice in the future and look forward to using him again. Thanks so much Lloyd!



Great service! As first time buyers, we weren't sure where to start with our mortgage, but thanks to Lloyd we are now happy home-owners!



Me and my wife were very happy with the assistance we received from LPR Mortgage Services. We felt Lloyd was always friendly, able to answer any queries, and conducted himself in a very professional manner. We would rate LPR very highly and definitely seek Lloyds help again in the future.


Thank you Lloyd

A HUGE Thankyou to Lloyd who made it possible for me to buy my first home. He took away all the stress and put me at ease throughout the whole process. Thank you so much Lloyd


A lovely person

Lloyd has helped me and my husband buy our house in the past and has now helped us to re-mortgage. He advised us on how to save money by consolidating debts and so we are saving over £300 per month just by moving to a better mortgage deal. I would recommend anyone talk to Lloyd to see where they could save money. And he's a lovely person too which helps!


Efficient and Professional

I had the pleasure of meeting Lloyd several times whilst networking in Coventry. I loved his sense of humour and he came across as someone who really cared about his clients. I asked him to source a remortgage product for me in 2014 as I was concerned that, being self employed might make things difficult for me. However, he came up with several options, including a brilliant fixed rate mortgage with no up-front or solicitors' fees.

He was very efficient and professional every step of the way.

Thank you Lloyd !



Good professional service. Found us the perfect product with low costs incurred.


Highly recommended

Fantastic service. Lloyd was very helpful and arranged a remortgage deal which we could not of done on our own. Highly recommended.



Thanks to Lloyd for all his hard work and expertise in finding us the right mortgage, he turned over every stone to find the right solution for us. It is thanks to Lloyd that our home is now ours.



Lloyd helped us arrange a remortgage and I can genuinely say we wouldn't have got the offer we needed without him. He always sought and found options that worked to our best interest and his expertise has put us in a more secure place.



Very honest, open and helpful from the start to completion date and even though we have the keys to our house it is very nice to know that if we ever need any further help or advice all we have to do is ask. Thank you very much for helping us buy our 1st property.


Highly Recommend!

I would highly recommend LPR mortgages to anyone looking for a mortgage. Be it for your first home, or a re-mortgage to expand a buy to let portfolio. LLoyd guided us through the options & found us some great value products to suit our circumstances. Both having busy careers it was invaluable to be able to communicate outside "office hours" and be able to provide information by email. He dealt with everything promptly & professionally and was very understanding when the situation get complex & went right to the wire with tight time constraints. We finally complete tomorrow. Thank you LLoyd for your patience!



Fast, Friendly and efficient. What more could you want when applying for mortgage!



Fantastic service. Options discussed and services offered were relevant to our needs. Would definitely recommend.



Hi Lloyd, just wanted to reiterate how pleased myself and Lisa have been with your expertise and extremely quick and efficient service in relation to our recent re mortgage. From start to finish the whole process has been made so effortless and easy, and your attention to detail is 100%.


Brilliant Service

Brillant, amazingly helpful and would recommand to anyone that is looking for a mortgage. I was unsure if it would be possible for me to get a mortgage (and a little scared) but Lloyd was there to reassurance and got me what I thought was impossible. Thank you so much!



Lloyd came highly recommended after my sister and her soon to be husband bought a house in Coventry in June 2013. We arranged an appointment for an initial consultation, and came away knowing that the investment of having Lloyd on board to assist us would make the process of buying our first home as easy and quick as possible. My husband Mike and I had very little idea of what options we had when it came to home buying. Lloyd, professionally guided us through our options and helped us make the best decision on how we should invest our money and also our time. It is important to recognize that Lloyd was flexible to our needs and time constraints as both my husband and I are busy working professionals. He came and visited us on a Friday evening after work and was able to support us with the process of making our mortgage application when we provided information over the weekend. He took away the stress and worry of handling the paperwork and dealt with our developer and solicitor in a timely manner. Above and beyond all this, Lloyd has been friendly, approachable but professional. He has offered us a honest and reliable service. Mike and I have exchanged on our beautiful first home just over a week ago, it's still under construction as we speak! None of this would have been possible without the help and support we received from LPR Mortgage Services.



Used LPR for a remortgage and a separate purchase that included a mortgage. Great products, good service and excellent advice.
The second mortgage that needed arranging has had some tight time constraints. Lloyd has thus far managed to get this through on time and in budget.
Even responded to some out of hours contact via e mail which was above and beyond what was expected.


Me and my wife Penny, would like to take this opportunity, to thank Lloyd at LPR mortgage services, after an absolute nightmare trying to obtain a Mortgage with Lloyds Bank, and then the house we originally had an offer accepted, only for them to decide to pull the house off the market, we thought our options had ended. That was until we found our dream property, which we thought was out of our reach until Lloyd worked his magic.
He got us an absolutely great mortgage deal, not only did he do that but at our lowest point he helped us in our quest to find our dream home, which I have never known a mortgage advisor do before.
It really has been a pleasure, and when you get services of this calibre money seems irrelevant.
Nothing has been to much for Lloyd, he has also helped us find some Home & Life Insurance which again has been extremely competitive, it also takes the hassle out of trawling through endless policies.
I have to say the whole process has been stress free.
Once again thank you Lloyd.


Lloyd was superb, we had a difficult situation to overcome and atime table to achieve it in, he came to us, listened to our intentions and way forward, was polite and professional in the way he approached the task at hand. He provided the mortgage deals we could afford, came back to explain them and made sure we understood both the deals he had obtained and how we coud afford them, manitain them and ultimately take them on. We have just completed and thank Llloyd for a friendly and professional service, highly recommended. Thank you for all your help See you soon


After 10 years on an interest only mortgage, I was referred to LPR mortgage services and I am glad I did. Within 3 hours of first meeting Lloyd, he gave me a few options tailored towards our needs and he kept us updated throughout the whole process with a couple of sound options along the way without any pressure. We now have a great re-mortgage deal and will definitely be using Lloyds expertise & LPR services again.


This was our first time purchasing a property and Lloyd guided us step by step through the whole process. The service was highly professional and even when we had problems with our conveyancers/lenders, he not only suggested alternatives but also helped us arrange for their services. All round great experience and would recommend LPR mortgages to anyone I know who is buying a house. Thanks Lloyd.


We were all set for what people had told us would be an arduous journey: buying our first house. Now sitting in our new home and reflecting on the journey, I can honestly say that much of the pain was taken out of proceedings by Lloyd who nudged and chivvied all parties (including us) every step of the way. People had also told me that 'you don't need a mortgage advisor' and 'it's nothing you can't sort yourself'. That may be true, but for me it's the same as employing any professional service – If they save you money then the money's well spent. The time and effort it would have taken me to resolve some of the hurdles we encountered completely justified Lloyd's fee. Lloyd talks in plain English, his knowledge and experience is second to none and his customer service is brilliant – just don't tell his wife he answers his emails at the weekend.


As a full time mum with a very big family there is never any time to sort out boring things like mortgages and life insurance. So I rang Lloyd and asked for help! My husband and I have been meaning to sort things out for ages and I explained to Lloyd our scenario and the fact that i seriously needed help to get organised. Lloyd was very patient, it helps that he has a great sense of humour! He sorted everything out, understood my chaos when I struggled to find paperwork and dealt with all my queries. We are now fully sorted and it was all made easy! Lloyd provided a great service, was very reassuring and enabled us to achieve a great outcome, thank you!


Lloyd has guided me through the process of obtaining a Mortgage for a pending house move, he has kept me informed along every step of the way and through his guidance – even though I have only been trading under a new Business for 16 months he obtained the funds required for me to complete my move. He has done this in a time when Banks are scrutinising Mortgage applications for self – employed people like myself. Lloyd has also looked through my Life Insurance, Critical Illness and Income Protection and put new policies in place that provide me with great cover and save me a small sum each month on what I had in place previously. I would not hesitate to recommend Lloyd and i will refer him to my friends and colleagues. Keep up the good work.


Smooth and easy transactions to enable me to buy my first home. Doing most of the work online made it quicker which was great. Thanks Lloyd


I had been referred to many mortgage brokers and financial advisors, but with little success. With LPR mortgage services, I was totally satisfied with the level of efficiency and great service. Not only does he deliver but also give sound advice and full support with regards to getting legal cover. This is a 5 star eatablishment and comes fully reccomended by myself, and will certainly be used in the future.


What can we say, we approached Lloyd only 6 weeks ago having seen a house we liked and had intentions of purchasing, but being first time buyers we had absolutely no idea where to start. From the outset Lloyds professionalism, confidence and openness shone through, and thy visiting us out of hours to fit in with my partners work schedule through to taking our emails/phone calls when it was all to much at any time on any day of the week made the whole process so easy and seamless. And the end result is I am sitting here, cold drink in hand looking at my brand new back yard only 6 weeks after we first met and directly on the timeline that we had requested from the get go. We could not recommend LPR Mortgage Services any higher, that is the truth. As the title suggest if we are ever in the position to seek a new property/mortgage, it is without any doubt Lloyd will be the first person to know.


As first-time buyers in our mid-twenties, getting a mortgage and the various insurances which go with it was a daunting task. Between being pushed around by estate agents, solicitors and the vendor, the one pillar of stability was Lloyd. He came highly recommended and we can see why – his service was absolutely first-rate; he talked us through everything from start to finish and was always on the end of a phone or email if we needed him. He reacted swiftly and efficiently to everything which happened in the roller-coaster ride of our first purchase, and it is no exaggeration to say that without him we would probably not be home-owners now. Having someone who is unbiased and totally on your side with a deep knowledge of the market was the best decision we made in the course of our first purchase. We cannot recommend him highly enough; anyone who even hints at getting a mortgage has one of us shoving his 'phone number into their hand! If you're wavering, don't. Give Lloyd a call and let him help you on your way.

For your FREE mortgage consultation call 01788 812605 & 07568 091968 or email