Gary Poyntz Mortgage and Protection Limited

Gary Poyntz is a boutique, client‑focused mortgage adviser based in Burnham‑on‑Crouch, Essex, specialising in self‑employed and adverse‑credit mortgages. As the founder Gary provides clear, personal, and highly tailored advice to individuals, families, and business owners who want a calm, structured, and supportive mortgage experience. He is CeMAP‑qualified and works with a wide panel of lenders, giving clients access to options that suit real‑life circumstances rather than rigid, one‑size‑fits‑all criteria. Gary is known for his ability to simplify complex cases, especially for clients with credit blips, irregular income, or non‑standard financial backgrounds. He regularly supports self‑employed borrowers, sole traders, limited company directors, and clients with past credit issues such as defaults, CCJs, missed payments, or debt management plans. His approach is transparent, friendly, and designed to help clients understand their choices with confidence. Alongside residential mortgages, Gary advises on buy‑to‑let, limited company BTL, HMO lending, remortgages, product transfers, and specialist finance including bridging and development loans. He also provides protection advice to ensure clients are fully supported throughout their home‑buying journey. Based in Essex and serving clients locally and across the UK, Gary blends boutique service with professional expertise, offering a modern, accessible, and reassuring mortgage experience from first conversation to completion.