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Independent and Innovative solutions to all of your mortgage requirements  
*Not all mortgage contracts are regulated by the Financial Services Authority. Think carefully before securing other debts against your home. Your home may be repossessed, if you do not keep up repayments on your mortgage. **Lifetime Mortgages - This is a lifetime mortgage. To understand the features and risks, ask for personalised illustration.

Mortgage Concepts Associates Ltd. Registered office, 66 Spring Cross, New Ash Green, Longfield, Kent DA3 8QQ. Registered in England & Wales no 05694058. Mortgage Concepts Associates Limited is an appointed representative of Valid Path Limited which is authorised and regulated by the Financial Services Authority.
Mike Richards CeMAP CeRER
 Director and Mortgage Adviser
Tel   0845 838 1581
Mike has over 30 years of experience arranging and advising on all types of mortgages, specialising in Commercial, Buy to Let and is qualified in Lifetime Mortgages
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Newlands House

40 Berners Street

London

W1T 3NA



Member of the Forum of Private Business, business support and lobby group
As part of our service we actively manage all your residential and commercial mortgages so you should never have to revert to a lender’s standard variable rate.
We normally begin to review your mortgage arrangements at least three months before the end of your scheme to see if any savings can be made. Mortgages that are on a tracker or flexible rate are reviewed annually.

We aim to ensure that you always have the most suitable mortgage for your circumstances at that time.
MORTGAGE  MANAGEMENT