About Us

About Smiths Financial Solutions Ltd


Buying a property, especially a new home, is an exciting time. But it can also be stressful. And while mortgage comparison websites are now ten a penny, having someone to guide you through the process of finding the right mortgage is invaluable.

Why us? We are experts in our field and will navigate what is a vast and often complex mortgage marketplace for you, looking at everything from the deposit you have to put down to how long you want the mortgage for and how much you can realistically afford to repay, matching this with the right solution, whether this is a capital repayment, interest only or adverse credit mortgage. It could mean a huge difference to what you end up paying back.

We don’t stop there. From the start of the process until completion, we will work on your behalf alongside conveyancers – or we can do this for you too - estate agents and any others involved in the sale to ensure everything goes as smooth as possible.

With a tailored, personal approach, we want to ensure your specific needs are met. We’ll listen carefully to what you are looking for and give you bespoke, transparent advice in a way that’s simple and clear, and can also ensure you are protected with products such as critical illness cover and any other insurance.

Experience across the board

Our advisers are CeMAP qualified and can advise you on literally any type of mortgage, whether you are a first-time buyer or home-mover, want to re-mortgage, are looking for a further advance or want to become a landlord by investing in a buy-to-let.

We also cover shared ownership, holiday lets, right-to-buy, self-build and buying property at auction. And you can have peace of mind that we are fully regulated by the Financial Conduct Authority.

Finding you the right mortgage, wherever you are

We are based in the Tendring area of Essex and Sale, Manchester, and primarily cover London and Essex, including:

  • Arlesford
  • Brightlingsea
  • Clacton on Sea
  • Colchester
  • Frinton on Sea
  • Holland on Sea
  • Kirby Cross
  • Kirby Le Soken
  • St Osyth
  • Thorpe Le Soken
  • Thorrington
  • Walton on the Naze
  • Weeley and Weeley Heath

We also cover clients right across the UK.

Ready to get your home move moving? We would welcome the opportunity to help and make the process hassle-free.

Reviews and Ratings for Financial adviser Richard Neilson, Colchester

What our past clients have said

Very helpful offering much advice and many options. Very friendly and great communication.
Richard was very knowledgeable and very helpful throughout the time for which we were in contact. He was incredibly enthusiastic and responsive when it comes to queries. He let me know exactly how much I could afford, and as a first time buyer he guided me through the process of purchasing a property, explaining to me fully everything that I was unsure of. Although it didn't result in a purchase due to personal circumstances, I will definitely be contacting Richard when the time comes to go through with a purchase again.
Professional advice, assisted with our complicated enquiry and would recommend to others.
Richard was very knowledgeable and understanding of my somewhat complicated situation with regards to getting a mortgage.
Richard, thanks very much for all your help with this process - I could not recommend you highly enough. Put me at ease straight from the start and great clear communication also. Once again, I really do appreciate all your help with my mortgage application process and for sure, will always be first to recommend you.
I would like to say thank you for helping us sort out our remortgage. I really appreciate all the help.
Excellent help and advice from Richard, would recommend to anyone.
Thank you for your advice regarding my mortgage. I would recommend you to others, as I have found your service very professional.
Steve K
Richard worked extremely hard on our case and was always contactable for updates, even early evenings and weekends which is amazing. In less than 2 weeks, my application was approved and moved to full offer with a high street lender. Amazing service, extremely responsive & fantastic financial advice come as standard!
Scott M
A huge thank you for sorting my mortgage, found the service professional throughout and Richard was very patient with my queries/questions. I always got speedy answers and replies - would highly recommend!!
Scott G
Richard has been very efficient and thorough throughout the process of obtaining a mortgage offer. He explained what it would entail and the expected time frame. Richard took into account a budget I had in mind and successfully found a product to suit my needs. I was provided regular updates which I found very reassuring. The service provided is of a high standard, excellent communication and very friendly.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Smiths Financial Solutions Ltd is a trading style of Dragon Brokers Limited t/as The Dragon Network which is authorised and regulated by the Financial Conduct Authority under registration number 599430. Registered office: Stafford Court, 145 Washway Road, Sale, Greater Manchester, M33 7PE. Registered in England.

Smiths Financial Solutions Ltd is a credit broker and you can confirm our registration on the FCA’s website


The actual APRC you are eligible for depends on individual circumstances.

If you are thinking about consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.



Call us free on
0800 001 6515
Smiths Financial Solutions Ltd
The Creek
Walton on the Naze
CO14 8FF

First Time Buyer Mortgage Advice in Essex | Buy to Let Mortgage Advice in Essex | Moving Home Mortgage Advice in Essex | Remortgage Advice in Essex | Right to Buy Mortgage Advice in Essex | Help to Buy Mortgage Advice in Essex | Let to Buy Mortgage Advice in Essex | Bridging Loans in Essex | Shared Ownership Mortgages in Essex | HMO Mortgage Advice in Essex | Self-Employed Mortgage Advice in Essex | Adverse Credit Mortgage Advice in Essex