Concept Mortgages Ltd are Wirral’s leading Independent Mortgage Advice firm, who operate from their offices on Telegraph Road, Heswall. Concept Mortgages was founded in 2006 by Christian Coventry, a qualified Financial Adviser, who has worked within the property and finance sector since 1995. Concept Mortgages have been awarded the Legal & General Mortgage Club Award 2020 for the Best Small Firm for overall quality (5 advisers and under).
Firstly, congratulations on your award. How did that come about?
Thanks very much Simon. Each year Legal & General hold a national awards ceremony which is usually at the Guild Hall in London, but this year was held virtually and hosted by Louis Theroux.
The award we won is open to all Independent Mortgage Advice firms with under 5 Advisers. A panel of judges made up from
major lenders and the senior management team at Legal & General Mortgage Club look at all aspects of the business including client outcomes, business quality, client feedback, systems and procedures.
Once the lenders have voted, a shortlist is created and the panel then decide on the winner which, I am delighted to say, this year was Concept Mortgages!
I guess you were a little disappointed not to receive the award in London.
Ha, yeah, I guess so. I am a bit of a Louis Theroux fan too but as I said to the team, it is better to win it sat in our office than lose it in London!
How has the recent pandemic impacted Concept Mortgages?
We have managed to trade throughout the pandemic thankfully. We had a disaster plan in place and this swung into action when the first lockdown hit. As a business, video calls and client portal technology have been a part of our life for the last decade and our cloud base telephony and back office system allows us to work from anywhere, so we were able to provide support to our clients throughout without a hitch.
It sounds like you were positioned well. So, tell me a little more about Concept Mortgages?
I launched the business in 2006 and within a few years had been joined by Mark Williamson and Michelle Hawthorne who have decades of experience between them. My wife Nicola helps me manage Concept and in recent years we have been joined by Nick Gatti who had spent 10 years working for Countrywide and Emma Shaw who had spent many years at Vitality Life.
We arrange and provide Independent Mortgage advice to clients throughout the UK – If you are buying a home or investing in property, then we can help. Also, anyone who needs help obtaining a more competitive mortgage product or looking to raise capital from their home to spend or invest elsewhere, then we can assist. First Time Buyers, Self-Employed, Adverse Credit, Later Life Lending, we can cater for all areas of the marketplace.
We also arrange and advise on Life, Critical and Serious Illness cover, Income Protection and Private Medical Insurance through our Concept Protect brand.
What do you think the future holds for the housing market?
Blimey, that is a big question! As it stands the well-publicised stamp duty holiday is due to expire at the end of March and there is a hope that this may be extended given we are back in lockdown. The start of this year has been our busiest ever, so we are just keeping focussed on the here and now and like everyone praying that the vaccines can gain traction so that we can all remember 2021 for the right reasons.
For more information contact Christian at Concept Mortgages on 0151 342 3084.