Kirstine Swanson
12 Feb 2026Lee & Vicki so helpful and great advice given and patience throughout the process. Will be recommending them to all my friends and anyone looking for mortgage advice Thanks again Kirstine Swanson
Gardner Financial Management is an FCA-regulated mortgage broker based in Solihull, CV7 7RP, specialising in Buy-to-Let, Remortgages, Residential. Rated 5/5 from 45 reviews.
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Meet our experienced team of mortgage professionals
Kirstine Swanson
12 Feb 2026Lee & Vicki so helpful and great advice given and patience throughout the process. Will be recommending them to all my friends and anyone looking for mortgage advice Thanks again Kirstine Swanson
Karim Helmy
3 Feb 2026We had a great experience with Lee Gardner as our mortgage advisor. He was friendly, professional, and really took the time to understand our (not straightforward) situation. He found us an excellent mortgage offer that we couldn’t access through traditional brokers, and guided us clearly throughout the process. Vicky was also fantastic - always clear and responsive, and she kept everything moving smoothly with the paperwork and requirements. A lovely touch was the house-warming gift Lee sent the day after we moved in. Highly recommend.
Katie Waring
12 Sept 2025Been a client for many years now, lee and the team have helped with everything from mortgages to pensions. Everything is explained thoroughly and I'm always happy with every service provided. Thanks all
Jane Rhodes
3 Sept 2025Vicki has been instrumental is securing a mortgage deal for me, she has kept me updated throughout the whole process and made it as stress free as possible. Highly recommend Gardner Financial Management Services, the whole team are awesome but a massive thank you goes to Vicki!
Piers Fuller
10 Dec 2024We are beyond impressed with the service provided by the team at Gardner Financial Management. From the moment we reached out, their team offered expert advice and tailored solutions to meet our mortgage needs when buying our new house. They took the time to explain everything clearly and worked closely with our mortgage company to ensure everything went smoothly. The level of professionalism and attention to detail was exceptional. Highly recommend for anyone seeking reliable financial support. We intend to use them for future financial advice.
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Regulatory Status
Direct Authorisation
FCA Number
732088Practical guides and explainers from our blog — relevant to this mortgage type.

The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.

UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.

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