We will find the right mortgage for you
Here at Discovery Financial we aim to take the stress away from financing and protecting you and your home. We believe in putting our customers at the front of what we do, ensuring every customer experiences only the best service and the right service for them.
Support throughout the entire mortgage process
We are there to ensure any questions you have are answered and your fully informed all the way through the process.
Life Insurance
Life Insurance You may need life insurance for many reasons. Life insurance pays out a lump sum to a chosen person upon the individual passing away.
Things to do before you apply
Work out your budget You don't need to have found a property at this stage. You'll need a deposit of at least 5% of the property's value to get a mortgage. To work out whether you'd be able to borrow enough to cover the rest of the purchase price, use our mortgage borrowing calculator below.
Siobhan Foulkes
Siobhan Foulkes
28. June, 2023
Myself and my husband have used Ben for a number of years now. His expert advice is second to none, so much so we fixed our rate 6 months prior to the product ending and avoided the interest rate rise, saving us a lot of money! We cannot thank you enough, and have already recommended you to all our family and friends who now also use you. Thanks again Ben & Jen.
Nicola Williams
Nicola Williams
14. May, 2023
Discovery Financial have recently helped us with a mortgage, insurance and finally getting our wills in order. They were very knowledgeable and helpful, and made sure that we got the products that were right for us. They were very diligent in chasing up the financial firms and kept us up to date throughout. I would definitely recommend them and they are thoroughly nice people too!
Sir Deco
Sir Deco
9. January, 2023
I sought after Ben because of previous financial advice and Discovery Financial Ltd didn't disappoint. Thorough, patient and reassuring which is exactly what we need in the current financial climate. Ben and team are excellent at sourcing the best deal for their clients, very happy. Highly recommended
Bob Rock
Bob Rock
14. November, 2022
It has come to that time of year again where our house Insurance is due. The team at Discovery Financial contacted us to let us know and with a new annual quote. The current provider had increased quite a bit, the team found a new provider and saved us £200 a year, in these current times we are very grateful to Ben and his team. A very simple process from Discovery Financial and two years of great cover so far, speak to you next year on our next renewal. Thanks Bob & Joanne
Evelyn Ryan
Evelyn Ryan
29. September, 2022
As a first time buyer I would have been totally lost without Discovery Financial Ltd. Extremely helpful and knowledgeable and I couldn't recommend them enough. Thanks so much for all your support and I'll definitely be coming back in future.
Daniel Clarke
Daniel Clarke
13. September, 2022
Ben and Jen were absolutely amazing from the start of the mortgage process to the end: they found me an amazing product for my house purchase and kept me well informed throughout the entire process. Sadly, the house move fell through but the service was transferable to another mortgage product and Ben found me the best deal possible for fixing back in on my current house. Personally I don’t think 5 stars is enough to justify the amazing service and expertise provided here.
Leah Wood
Leah Wood
25. July, 2022
Ben and Jen were absolutely amazing from start to finish. After thinking I could never get a mortgage and also anxious about everything as I’d never bought a property before, Ben was full of knowledge and answered any questions I had and was always contactable. Jen was always chasing things for me if I didn’t get anywhere with solicitors. Both lovely and helpful people. Will definitely be using Discovery Financial again in future!
O.D Carroll
O.D Carroll
11. October, 2021
As a first time buyer you naturally have a lot of questions. Ben and his team made the purchase of my first home seamless from start to finish. Knowledge at Discovery is top class, I concluded my purchase feeling well educated in the business of property acquisition. I could not be more thankful for the service we received. Thank you to Ben and the team at Discovery Financial Ltd.
Sam Watson
Sam Watson
8. January, 2021
I cannot recommend Discovery Financial enough! I went through Ben and the team to remortage my house a little over a year ago and after looking at the market Discovery Financial found me a fantastic deal with a leading bank which was not on offer on the High Street. I have since found my dream home and again called on Ben for his help with a great mortgage deal, however this time he also guided me through the full buying process helping with every and any hurdle along the way! He recommend a fantastic solicitors and also advised on the process of renting out my old property. The service you will receive from Discovery Financial is second to non and completely tailored around your own personal situation, providing honest and professional advice. I have also since had buildings and contents quotations and after comparing with the market have secured a better deal through Discovery who explained the cover in detail. Thankyou for everything!

Expert Guidance

We are a mortgage broker in Bingley, offering Mortgage and Protection Advice. Here at Discovery Financial, we offer a tailored approach to the advice we give, understanding that everyone’s situation and requirements may be different.

When should I start applying for a mortgage?

The best advice is to start the process before you even start seriously looking for somewhere to buy. If you’re looking at properties before starting to arrange your mortgage, you’ve left it too late.

Home Buyers Guide

Buying a property, particularly for the first time can be daunting. The decisions you make when buying a property could save you – or cost you – many thousands of pounds.


Tell us what you need

If you are curious about your next steps, you can complete our short form and one of our experts will be in touch to help you better understand your next steps. 

Find the right mortgage for you

Discovery Financial have been working closely over many years with Landlords buying and re-financing single properties and portfolios. Helping first-time buyers to get on the property ladder, assisting home movers with their dream move and helping people pull money out of their existing home for those home improvements, dream holidays or to pay for those special occasions such as weddings. We have also helped a large number of people over the years simply save money on their current mortgage by reducing their interest rates.

Key Mortgage Services
That We Provide Advice For

Being a first time buyer can be a daunting time. We pride ourselves in offering more than just a mortgage and are known for the personal touch we add to helping our clients through the entire process. Being on hand to help from start to finish. Just look at some of our reviews to see for yourself.

Helping people remortgage is a large part of what we do. Many of our clients start as a first time buyer, then become a client for life. Allowing us to help them choose new rates when their deal ends, consolidate debts into their mortgage, or help raise funds to buy another property to rent out. Or simply raise funds for home improvements, for those big occasions such as weddings, holidays and giving the children a helping hand setting up their lives.

Moving to a new house is a big deal and that’s why we offer customers a cost of moving appointment, to discuss the cost of the entire move. Our job is to not leave any stone un-turned and help you plan out the whole move and ensure you have accounted for every penny in the most cost-effective way.

Working closely over the years with many landlords of all size portfolios, helping the landlord with 1 pension pot property or professional landlords with 10+ properties. We have a vast panel of products to assist with re-financing, renegotiating rates, borrowing more to fund further property purchases or simply helping buy a property to rent out.

Key Financial Services That We Provide Advice For

Like with mortgages we also work with a large panel of protection providers, everything from home insurance, life insurance, critical illness cover and income protection insurance. We have a tailored approach to help you get the right policies and more importantly for the right price

Protecting you and your family if you were no longer here is very important and that’s why we have different options to help plan for the worst. Life insurance like most other insurances is something that should be reviewed on a regular basis to ensure it still fits what you may need, providing cover for debts or leaving behind a regular income to loved ones is something we can help you arrange

Protecting against death is one thing but with a critical illness more likely during most mortgage terms. We offer some great products that will not just cover the big 5 claims: Cancer, Heart attack, Stroke, MS and Brain tumours. But also proving cover towards caring for a loved one, covering you if you require major surgery or even providing financial support should your children fall ill.

Income protection-  With most families only being able to support themselves for a couple of months with a reduced wage, income protection has become more and more important over the years due to many employers not offering much in the way of sick pay and the government Statutory Sick Pay barely covering most peoples mortgage payments. Protecting your income is just as important as protecting other things, as with out your income you would not have many of the nice things you do in life.

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