Flex Financial

Independent mortgage adviser  33 Henry Crescent, Southend-On-Sea, Essex, SS4 1GU
First meeting at adviser's own cost
Our mission statement is simple - We find great solutions to help people achieve their financial aspirations whether that be in their personal or professional life through clear, concise and honest advice. We're based in Rochford, Essex.
We can advise you on
Bad credit
Buy my next home
Buying first home
Equity release
High loan to value
Mortgage protection
Next home / Remortgaging
Right to buy
Self-employed mortgages
Adviser unavailable
This adviser is currently out of office and not available for contact
FCA authorised
Last authorised 26th July 2021
Meet our advisers
Mr Stephen Martin
Director & Senior Adviser

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.

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.

What our clients say
Steve went above and beyond through every single step of the mortgage process. He was always very quick to respond and nothing was too much to ask. Being first time buyers it was a daunting process but we couldn't have asked for anything more than the service we received to ensure we understood the whole way through.
Ms K and Mr A, Hornchurch
We have used Flex Financial as our mortgage advisor for both getting our first mortgage and our remortgage and have been very happy with the service on both occasions. Steve always ensures that we are getting the best deal possible and gives lots of honest and helpful information during the process. Steve really goes out of his way to ensure it is an easy process and that we fully understand. We never feel silly for asking lots of questions! I would definitely recommend Flex Financial and wouldn’t go anywhere else for this service!
Alex, Southend
With my own business, I was concerned what options I’d have available for re-mortgaging. I’d heard horror stories about self-employed mortgages, but Steve was able to secure me 7 viable providers that would probably accept me. Then bingo, we were accepted with our 1st application and went through in about a month
Andrew M, Hockley
Following our mortgage, Steve at Flex Financial arranged our protection cover. He gave up his Friday night to arrange this as it was the only time I was available. He understood my priorities, fully explained all my options, costings (including working to my budget) in a friendly and professional manner. Would 100% recommend to all my family and friends.
Hannah Louise, Hockley
What can I say, Steve is very professional and went above and beyond what I thought a mortgage adviser would do, supporting me from start to finish with getting my mortgage. He Always explained everything simply for me to understand. He listened to my needs, and got the best mortgage that suited my situation perfectly, always ready to answered any queries I had, and ready to reassure when I was nervous. He made what would have been a daunting experience simple, giving me complete confidence with him. I’d definitely recommend this company highly!
Suzanne Kay, Rochford
Stephen was our first mortgage advisor when we bought the house. We were first buyers that time so everything was new for us and it was almost nerve recking to do everything by ourselves considering our hectic work schedule. From day one we met, Stephen was very professional, thorough with his advice and helped us to secure a nice deal which were merely possible doing it ourselves. Now, without any hesitation we contacted Stephen as our current deal were about to expire. Despite of the pandemic situation, Stephen helped us to secure a much better deal and extremely faster than we could imagine. There are no words to express gratitude to Stephen and anyone in the situation that we were two years ago should contact him for stress free life.
Jotsan, South Ockendon
We couldn’t recommend Flex Financial enough. Throughout our whole process beginning to end Steve gave us an amazing service. Steve gave us all the advise we needed to know from when we had just started saving right through to getting our mortgage accepted! Steve got our mortgage application submitted so quickly and was always there to answer any questions we had. We couldn’t thank Steve enough for how easy he made the process of buying our first home!
Jade F, Essex
About us

Whether you’re looking at mortgages, Equity Release, insurance, wills, trusts or estates, financial planning can be a complex and frightening place. The risks of making the wrong decision can be high, and (dare we say) even life-changing. They’re some of the biggest decisions we make in life.

That’s why you need a partner to trust – one who can guide you through the maze to the right solutions. Someone who’s neutral and aware of the subtleties and criteria of the various providers on the market. A trusted partner like Flex Financial.

With Flex Financial you’ll get clear, concise, honest advice – and essentially the best presentation of your case and situation to lenders to give you the best chance of acceptance. What’s more, we know your time is precious so we’re happy to meet at a time that’s right for you – by phone, Skype, Facetime, Whatsapp, or even good old face-to-face.

We’re also part of the PRIMIS Mortgage Network who gives us access to a comprehensive range of mortgage lenders to ensure you get the best deal that you can’t find elsewhere. We are also registered with The Financial Conduct Authority.

Our services

Equity Release
CIS Subcontractors - using gross CIS income to achieve a bigger mortgage
First Time Buyers
Trusts and Estate Planning
Power of Attorneys
Pre-Paid Funeral Plans
(Some of the products/services shown above are not or may not be regulated by the Financial Conduct Authority therefore wills, trusts, estate planning, power of attorney and pre-paid funeral plans are referred to our sister company, Flex Estate Planning Ltd).

Where to find us
Head office address: 33 Henry Crescent, Rochford, Southend-On-Sea, Essex, SS4 1GU
Service coverage
Preferred clients
Minimum mortgage value
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
  • mouse
    Online (Live chat, video, email)
  • icons
    Face to face

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

Flex Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of Personal Touch Financial Services which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. Flex Financial FCA Number: 915575.

As with all insurance policies, conditions and exclusions will apply.

A lifetime mortgage will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefits. THIS IS A LIFETIME MORTGAGE. To understand the features and risks, ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

There will be a fee for mortgage and lifetime mortgage advice. The precise amount will depend upon your circumstances and the amount of work that needs to be done. Fees will range from £295 to £995.

Adviser unavailable
This adviser is currently out of office and not available for contact
FCA authorised
Last authorised 26th July 2021

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