First-time buyer
Understand deposits, affordability and the buying process with guidance at every step.
Explore your options →
Mortgages, made clearer
Find the right mortgage.
Find the right mortgage.
Feel confident about what comes next.
Whether you’re buying, moving, remortgaging or investing, get tailored advice from an experienced adviser who stays by your side.
15+ yearsfinancial services experience
✓ Tailored mortgage advice✓ Personal, one-to-one service✓ Support from enquiry to completion✓ Regulated by the FCA
Your property journey
Mortgage advice built around you
A mortgage is a big commitment. The advice you receive should feel personal, clear and considered—not rushed or one-size-fits-all.
Riches Financial helps buyers, homeowners and landlords understand their choices and move forward with confidence. We’ll take time to understand your circumstances, explain the process in plain English and search for a suitable solution.
Start a conversation →How we can help
Where are you on your journey?
Choose the option that sounds most like you.
Moving home
Coordinate your next mortgage with your move and keep the process feeling manageable.
Plan your move →Remortgaging
Review your current deal, changing needs and available options before your rate ends.
Review your mortgage →Buy-to-let
Mortgage guidance for new and experienced landlords building or refinancing a portfolio.
Discuss buy-to-let →
A genuinely personal service
Advice from Adam, not a call centre
With more than 15 years in financial services, Adam Riches helps people make informed decisions about home financing.
You’ll have one experienced point of contact who listens first, explains clearly and keeps you updated. From the first conversation to the day your mortgage completes, you’ll know who to call.
Adam Riches Mortgage Adviser
Book a free conversationSimple from the start
Your next steps
1
Tell us about you
Complete the short form or call Adam directly.
2
Talk through your plans
We’ll understand your circumstances and priorities.
3
Explore your options
Receive clear, tailored recommendations and support.
Good to know
Mortgage questions, answered
How much could I borrow?+
This depends on your income, commitments, deposit, credit history and the lender’s criteria. A conversation lets us give you a more useful, personalised view.
When should I speak to a mortgage adviser?+
Ideally before viewing properties or several months before your existing mortgage deal ends. Early advice helps you understand your position and prepare.
Can you help if my circumstances aren’t straightforward?+
Yes. Self-employment, variable income or previous credit issues do not automatically prevent you getting a mortgage. We’ll discuss your circumstances openly and explain possible routes.
What happens after I enquire?+
Adam will contact you to arrange a no-pressure initial conversation, learn what you need and explain the next practical step.
Ready when you are
Let’s make your next move feel simpler.
Talk to Adam about your mortgage plans today.