Mortgage Advisers in Sutton, Surrey and Bromley, Kent

As one of the largest monthly expenses, having a mortgage with an expensive interest rate can cost you thousands of pounds.

Get the right mortgage for you.


When you are considering purchasing a new home, remortgaging or looking to let we would always suggest using a Lucra IFA to ensure you find the offer that is most suited to you and appropriate to your circumstances.

A Guide to Mortgages

Our personal service means we can come to your home or place of work, we can sit down and discuss what mortgages are available that suit you personally, we can also help you with your forms and applications. We tailor make an application on your behalf and then we can progress that application, communicating with solicitors, valuers, lenders and your estate agents.

With banks and building societies becoming ever more cautious and tightening their lending criteria across the board, using a financial adviser has never been more important. It is absolutely crucial you receive the very best advice when making such an important decision.

MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
For mortgages we can work on commission or fees. The precise amount will depend on your circumstances.

The Financial Conduct Authority (FCA) does not regulate commercial mortgages, most forms of buy to let mortgage and legal services. Please note Commercial mortgages and most forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.

We offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgages, but not deals that you can only obtain by going direct to a lender.

For those seeking to increase their existing borrowing, alternative finance options may be available and more appropriate for your needs. For example, a further advance from your existing lender or an unsecured loan (e.g. a personal loan). For those seeking a ‘Retirement Interest Only Mortgage’, a ‘Lifetime Mortgage’ may be available and more appropriate for your needs.

Specialist Mortgage Advice


We have specialists that can help with any type of mortgage or loan.
You may be:
A first time buyer
Moving home
Buying to let
Remortgaging
Looking for a commercial mortgage

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Risk Protection


We offer various insurance solutions that will protect you and your family against the financial risks associated with losing your job, your health or your life. We’re also able to help you arrange insurance cover for your home.
Life Assurance
Critical Illness
Income Protection

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Why Use an IFA?


Thank you for visiting the website of Lucra Ltd. Financial Advisers with offices in Sutton, Surrey. Many people think an IFA is only for the wealthy but this is not the case. The majority of our clients are everyday people from all walks to life. Our services are open to everyone. Getting the right advice means speaking to the right people. We are at your service and will happily visit you at home or work to discuss your requirements. Call us today for an appointment. Under our services tab above, you will find the services that we offer at Lucra Ltd from our offices in Sutton, Surrey. We offer a wide range of services such as mortgages, risk protection, life insurance, pensions, savings, investments, wealth management, equity release, long term care and investment planning. We can offer taxation advice such as inheritance tax planning. We also offer family financial assistance such as school fees planning, baby bonds, child savings plans as well as will writing and estate planning.

INHERITANCE TAX PLANNING, WILL WRITING AND ESTATE PLANNING ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Email communications are not secure and for this reason Lucra Limited cannot guarantee the security of the email, its contents or that it remains virus free once sent.

Get in Touch


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  • We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and our group of companies. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy at Privacy Policy.

Reading Material


Lucra Ltd provide our existing and potential clients with a range of written material to assist them in understanding the products we offer.

Written Resources


Find us.

Suite 6, Tudor Court, Brighton Road
Sutton, Surrey SM2 5AE


Call us.

0208 722 0734


Email us.

web@lucra.org

Email communications are not secure and for this reason Lucra Limited cannot guarantee the security of the email, its contents or that it remains virus free once sent.