Cogent Financial Planning.

Independent mortgage adviser  31 Old Road, Barton-Le-Clay, MK45 4LB
First meeting at adviser's own cost
My name is Wendy Malczyk and i am a specialist in equity release, all types of mortgage and more
We can advise you on
Bad credit
Building your home
Buy my next home
Buy to let
Buying first home
Equity release
Flexible mortgages
High loan to value
Mortgage protection
Next home / Remortgaging
Right to buy
Self-employed mortgages
Response rating
FCA authorised
Last authorised 15th August 2022
Meet our advisers
MRS Wendy Malczyk
Mortgage Consultant

This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

What our clients say
Wendy has been absolutely outstanding from start to finish in what many consider to be one of the most stressful processes they can go through in their life, purchasing their new home. With ours being a particularly specialised case we initially had a mortgage advisor who was unable to help us and we felt we didn’t have anywhere to turn. Wendy made the mortgage process smooth and stress free, her advice and knowledge was second to none. We would definitely not be moving in to our first home without Wendy!! To anyone moving home or purchasing their first house we would recommend Wendy extremely highly and will always be grateful for the help and advice she gave us throughout.
Jack Leech and Sophie Jarvis, Barton-le-Clay
Wendy, just a few lines to express my gratitude for the manner in which you carried out my equity release scheme and arranged the mortgage for my daughter and son-in-law. I am well aware of the intricacies of the financial services industry as you know having been involved in it myself some years ago. I was very impressed with your totally professional approach from day one which continued for the entire process. You were at great pains to ensure that I was fully aware of all the pitfalls along the way and that things went as smoothly as possible. Not only did you act professionally, you were also very friendly and at no time condescending. You rapidly realised the reason for my wishing to go down this route and then took over the arranging of my family's mortgage to great effect. I am pleased to say that my funds arrived well within the timescale that you had indicated and my daughter and son-in-law last Saturday took possession of the keys to their new home. Everything has gone relatively smoothly for them and they are now in the happy position of arguing about colour schemes and what comes first, the new windows or the new kitchen! My two grandsons are running round the large garden and exploring their home. I could not be happier. Thank you so much for all your help. As you know I have passed on my recommendation to two other people who are looking to do the same thing.
Mr B, Bedfordshire
Wendy has been a great help with getting our finances sorted out. She is friendly and easy to work with which makes the whole process more pleasant and less scary. She always manages to come up with a deal to suit our circumstances and has given us lots of good advice - she's also saved us quite a bit of money. I'm very happy to recommend her to anyone needing financial advice.
Jess, Lidlington
About us

Cogent Financial Planning works within Herts, Beds and Bucks offering fully independent advice on mortgages and associated protection, such as life and critical illness insurance. Equity Release is an area in which we are specialists. We offer a professional and friendly service, either in the comfort of your own home or at our local office (currently we are operating by phone and other solutions such as Zoom / Skype) . Solutions are tailored according to specific need and great value is placed on long-term client relationships with professionalism, trust and service underpinning the success of our organisation.

Our services

What I love about my job is helping people understand their finances. Buying a mortgage or an equity release plan can be a confusing business, so I like to make things easily understood.

If you need advice on mortgages in retirement or equity release, then I am your girl. I've specialised in this area since 2009 and have a huge range of experience to draw on to help you.

I also have a wealth of experience in all types of first-time buyer mortgages, re-mortgages, and loans for specialist, difficult circumstances too.

The team here at Cogent are here to help.

Where to find us
Head office address: 31 Old Road, Barton-Le-Clay, MK45 4LB
Preferred clients
Minimum mortgage value
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
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    Online (Live chat, video, email)
  • icons
    Face to face

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
FCA authorised
Last authorised 15th August 2022

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