Ross Lacey - LB Financial Solutions

Independent financial adviser  LB Financial Solutions Ltd, Chelmsford, CM1 1GU
First meeting at adviser's own cost
A fully hands-on service from start to finish, expert knowledge and access to products and lenders from the whole mortgage market. We make finding and securing the best mortgage deal for you quick and efficient, with as minimal fuss as possible.
We can advise you on
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Bad credit
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
Response rating
9.1/10
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FCA authorised
Last authorised 20th June 2022
What our clients say
My wife and I were both self-employed and didn't know where to begin looking for a mortgage as we had been told the high street lenders wouldn't look at us favourably. Ross has been able to breakdown the nuances of mortgages and property purchase for us, we now feel confident about taking the next step in our lives.
Oliver W, London
We were late in life first time buyers with complicated finances who needed a great deal. Ross found an amazing product at a great price and gave us lots of extremely helpful tips and advice.
Annaliese Y, Rayleigh
I had various meetings and email discussions with Ross to discuss deposits, equity and affordability. Within no time I understood the entire process of buying a house and what options I was going to take. Ross also helped me set up life and critical illness insurance to cover everything that I wanted. Ross has been amazing throughout, his services has given me an even better outcome than I was expecting.
Gemma A, Thurrock
Our fixed term mortgage rate was ending so we wanted a better rate and to ideally pay less each month. Ross looked at the market, understood our circumstances and ultimately what we wanted to achieve. We stayed with the same provider, overpaid on the mortgage to bring us down into another LTV bracket and now pay less each month.
Rachel A, Kent
Me and my husband were looking for our first home and we needed a financial adviser to help us. He helped us from the first up to the last step of the process.
Rosalyn D, Southend
I was looking for help with a mortgage, Ross was highly recommended to me. Ross was extremely helpful. He found me the perfect mortgage and he was there every step of the way helping with forms etc. I have since recommended Ross to a friend and will continue to do so.
Anne L, Southend
Ross was extremely helpful and spent the time to understand our needs from the offset. He explained how the house buying process worked and was always on hand to answer any question we had. During the pandemic, it became evident that it would be harder to get a mortgage with banks removing products. However, Ross was still able to secure us a mortgage, and at competitive rate. He went above and beyond to get us this deal, often working outside normal working hours. This dedication to delivering a stellar service continued throughout the entire process, which also included providing support with our solicitors and any insurance and protection.
Anthony P, Upminster
Our existing fixed rate mortgage was coming to an end and wanted to explore the options open to use with the possibility of clearing the help to buy government loan portion or retaining if there were benefits in doing so. Ross was able to source a fixed rate product for the period we were looking for and at a lower rate than our existing product. This will now align our next renewal with the end of the no interest portion of our help to buy loan which is exactly what we were hoping to do.
Martin M, Basildon
Ross is very efficient and very knowledgeable. No question is a 'stupid' question. Really helped me with decisions and opportunities for the future. Ross was able to find me a great deal for not only a BTL mortgage but helped throughout the whole process including finding insurance. Totally stress free! The range of things that Ross can help with on a financial and business side of things is second to none, I would highly recommend anyone to get in contact with him.
Scott O, Basildon
Was looking for someone to take out the hassle of finding an appropriate mortage which suited for my needs. Ross was great at helping and flexible in working around my work commitments. Ross was able to find me the best mortgage product at a fantastic rate, which resulted in reduced monthly mortgage repayments.
Michael H, Langdon Hills
About us

Highly rated by our clients (please see our reviews!) we pride ourselves on a friendly, straight talking approach that delivers results.

With over 13 years' experience, we offer independent, whole of market mortgage, insurance and equity release advice.

Work with us face to face, over the phone, video call or a mix of all three - whatever you prefer.

Specialists in high value mortgages and first time buyers.

We are able to help clients who are self employed, have complex income or bad credit histories.

We have a network of solicitors, conveyancers, surveyors and other professionals who we can put you in touch with where needed.

Please visit the website (link at the bottom) to get in touch & arrange a free consultation.

Our services

New mortgages - securing the best mortgage deal from across the whole market for first time buyers & home movers.

Remortgages - making the process of securing your next mortgage deal as seamless as possible, including securing additional borrowing if needed.

Buy To Let - purchases and remortgages for both personally and company owned properties.

Equity Release - for clients over the age of 55 we can help you release tax free cash or pay off your existing mortgage with no further monthly payments needed, allowing you to remain in your home but enjoy a more comfortable lifestyle.

Insurance & Protection - we put together bespoke packages of insurance to fit any budget to ensure you and your loved ones are protected in the event of death, illness, injury or being unable to work.

Please visit the website (link at the bottom) to get in touch & arrange a free consultation.

Where to find us
Head office address: LB Financial Solutions Ltd, Swift House, 18 Hoffmanns Way, Chelmsford, CM1 1GU
Service coverage
Preferred clients
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

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

Registered in England and Wales under reference 0794 2025.

Registered office address: Swift House, Ground Floor, 18 Hoffmanns Way, Chelmsford, Essex, England, CM1 1GU.

Response rating
9.1/10
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FCA authorised
Last authorised 20th June 2022

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