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Andy wilson financial services

is a specialist financial adviser company based in Lincoln

Welcome to the home page of Andy Wilson Financial Services Ltd, a specialist financial adviser company based in  Lincoln, Lincolnshire. The company specialises in providing Equity Release advice and plans for the retired, and arranging Mortgages of all kinds. We also advise on and arrange Life Insurance & Income Protection for individuals, and families.

The company is owned and managed by Andy Wilson, a well-respected and experienced financial adviser. Andy is building on 39 years’ experience of providing clients in Lincolnshire and much further afield with sound financial planning. He is a regular contributor to financial articles in the national press including The Telegraph, Mail Online and Mortgage Solutions.

Andy was joined in 2019 by mortgage adviser Robert Drury who has enjoyed a lengthy financial services career. He worked for two main banks and a building society, advising on mortgages and was part of the branch management. Robert will be handling most of our mortgage enquiries going forward, allowing Andy to focus on the equity release side of the business.

The team is completed with Tina Wilson, Andy’s wife and co-director, who handles much of the day to day administration of the business, including financial accounting. Tina also liaises with clients, lenders and solicitors.

You will find help and guidance with many aspects of Equity Release, Mortgages and Protection within this website.

Please take time to look around the site and if your questions are not answered then use the contact form to ask – every contact will receive a response.

Would you like to meet?

Meetings for mortgage advice are held at our offices in North Hykeham, just south of Lincoln, where on-site parking is provided. However, for equity release advice Andy will always visit potential clients in their own home.

All initial meetings are at our expense, not yours, and you are not obliged to proceed any further. However, we cannot make any financial arrangements for you ‘at a distance’. For our mutual benefit and protection, face to face meetings will always be required.

To arrange a meeting to discuss your requirements, please use the ‘Contact Us’ button below.

 

EQUITY RELEASE MAY REQUIRE A LIFETIME MORTGAGE OR HOME REVERSION PLAN. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION.

MOST FORMS OF BUY TO LET MORTGAGE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Andy Wilson Financial Services are proud members of the Equity Release Council
We are Preferred Traders for Equity Release by Age UK (Lincoln)
Mortgage Adviser at VouchedFor Top Rated Award
FREE: Read our latest newsletter
Reviews and Ratings for Financial adviser Andy Wilson, Lincoln

Contact Us

Contact Andy Wilson Financial Services directly or fill out your details and we will contact you as soon as we're available.

I provide my consent for Andy Wilson Financial Services to contact me regarding my enquiry. 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 supervisors. 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.

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

Read our Privacy Policy ›

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage . For Home Reversion plans and Lifetime Mortgages: to understand the features and risks, ask for a personalised illustration.

Not all forms of Buy to Let mortgages are regulated by the Financial Conduct Authority.

Andy Wilson Financial Services Ltd is an appointed representative of TenetLime limited, which is authorised and regulated by the Financial Conduct Authority. TenetLime limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266.

Andy Wilson Financial Services Ltd is Registered in England and Wales under reference no: 07547809. Registered Office: Landmark House, 1 Riseholme Road, Lincoln, LN1 3SN.

The information contained in this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.

You can adjust all of your cookie settings by navigating the tabs on the right hand side.

Functional Cookies

Several cookies are required for the site to function (such as this acceptance form). These enhance the experience of using the site by remembering certain actions and allowing core functionality.

Marketing Cookies

This website uses third party marketing cookies to collect anonymous information about your browsing habits.

Analytical Cookies

This website uses third party tracking cookies such as Google Analytics to collect anonymous information such as the number of visitors to the site, and the most popular pages.

Keeping this cookie enabled helps us to improve our website.

Privacy Policy

1 – General

(1.1)

Andy Wilson Financial Services Ltd (“we” “us” “our”) is committed to protecting and respecting your privacy. We are the data controller and will process your personal data in accordance with the Data Protection Act 1998 as amended or replaced by the General Data Protection Regulation 2016 and any national laws which relate to the processing of personal data (“data protection legislation”).

(1.2)

Please read the following carefully to understand our views and practices regarding Your Data and how we will treat it.

This policy applies to information we collect about:

  • Visitors to our website
  • Customers
  • Introducers
  • Suppliers

2 – Visitors to our Websites

(2.1)

We may collect and process personal data about you in the following circumstances:

  • (2.1.1) – When you complete the online contact forms on our website (“Site”) providing us with your name, address, email address and contact number;
  • (2.1.2) – whenever you provide information to us when reporting a problem with our Site, making a complaint, making an enquiry or contacting us for any other reason. If you contact us, we may keep a record of that correspondence;
  • (2.1.3) – when you visit our Site we will retain details such as traffic data, location data, weblogs and other communication data, and the resources that you access (see section 2.2.2 on Cookies below); and
  • (2.1.4) – whenever you disclose your information to us, or we collect information from you in any other way, through our Site.

(2.2)

We may also collect data in the following ways:

  • (2.2.1) – IP ADRESSES: We may collect information about your device, including where available your Internet Protocol address, for reasons of fraud protection. We may also collect information about your device’s operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.
  • (2.2.2) – COOKIES: Our Sites uses cookies to distinguish you from other users of our Sites. This helps us to provide you with a good experience when you browse our Sites and also allows us to improve our Sites. A “cookie” is a small text file that’s stored on your computer, tablet or phone when you visit a website. Some cookies are deleted when you close down your browser. These are known as session cookies. Others remain on your device until they expire or you delete them from your cache. These are known as persistent cookies and enable us to remember things about you as a returning visitor.We use cookies (and sometimes other similar technologies) to:
    • Monitor your use on our website and gather analytics to help us improve your browsing experience
    • Remember your preferences to personalise your visit
    • Identify whether you are signed in to our website
    • Personalise our website and display information relevant to you
    • Help us improve the usability of our website

Cookies do not provide us with access to your computer or any information about you, other than that which you choose to share with us.

  • COOKIES ON THIS WEBSITE:
    Cookie Provider Description Expiration
    First-party cookies
    cookiesAcknowledged Andy Wilson Financial Services Remembers choice to hide cookie policy notification, only set when notification has been acknowledged. 6 months.
    Third-party cookies
    __utma Google Used to determine unique visitors of this website, the cookie is updated with each page view. 2 years from set/update.
    __utmb Google Used to establish and continue a session with the website. 30 minutes from set/update.
    __utmz Google Stores how you reached the website such as a website search engine, email link etc. 6 months from set/update.
    __utmx Google This cookie is used to help us test and experiment with different looks/styles of our website. This is only set when required. 2 years from set/update.

(2.3)

We may use your personal data for our legitimate interests in order to:

  1. provide you with information or services that you requested from us;
  2. respond to an enquiry submitted via  our online contact forms; 
  3. allow you to participate in interactive features of our Site, when you choose to do so;
  4. ensure that content from our Site are presented in the most effective manner for you and for your device;
  5. improve our Site and services;
  6. process and deal with any complaints or enquiries made by you; and
  7. contact you for marketing purposes where you have signed up for these (see section 5 for further details).

Website Links:

Our Site may, from time to time, contain links to and from the websites of third parties. Please note that if you follow a link to any of these websites, such websites will apply different terms to the collection and privacy of your personal data and we do not accept any responsibility or liability for these policies. Please check before you submit your information to these websites.

3 – Customers

(3.1)

We will collect details such as name, address, email address, contact number, date of birth, national insurance number and financial information in order to provide services to customers. We may also receive details of credit checks undertaken where you have supplied these to us.

(3.2)

We will share customer personal information with our employees to manage our relationship with you and we will retain customer personal data for 80 years.

(3.3)

We will use your personal data provided to comply with our contractual obligations arising from the agreements we enter into with our Customers and share the data with financial institutions who can assist in the provision of financial services to customers including product providers, lenders, banks, insurers and third party para-planners (including Tenet* paraplanners).

(3.4)

We will use customer personal data for our legitimate interests including:

  • (3.4.1) – sharing personal data with Tenet* as they are responsible for the services we provide to our clients and have a legal obligation to monitor our compliance with the FSMA and Financial Conduct Authority rules. Further details regarding how Tenet will use customer personal data can be found on it’s website at www.tenetgroup.co.uk or by contacting Tenet on 01132-390011;
  • (3.4.2) – with your consent, marketing our other products and services by mail and email; and
  • (3.4.3) – with your consent, obtaining your sensitive personal data from third parties including your health, ethnic origin, or criminal prosecutions from third parties such as employers and credit reference agencies, fraud prevention agencies and other similar organisations.

(3.5)

We will not transfer any customer personal data outside the European Economic Area (“EEA”).

*Tenet  means Tenet Group Limited, Tenet Limited, TenetConnect Limited, TenetConnect Services Limited, TenetLime Limited, its associated companies.

4 – Customers

We will collect details such as contact names, address, email address and telephone number in order to contact you about goods and/or services we have ordered from you, to comply with our contractual obligations and to place further orders. We may share your personal data with our employees to manage our relationship with you and we will keep your personal data for as long as we require your goods and/or services subject to a maximum of six years from the date of our last contact with you. We will not transfer your personal data outside the EEA.

5 – Marketing

(5.1)

We may use customer personal data to provide you with details about our services, products,  business updates and events which we think may be of interest.

(5.2)

You have the right to opt-out of receiving the information detailed in section 5.1 at any time. To opt-out of receiving such information you can:

  • (5.2.1) – tick the relevant box situated in the form on which we collect your information;
  • (5.2.2) – clicking the unsubscribe button contained in any such communication received; or
  • (5.2.3) – email us at office@andywilsonfs.co.uk or call 01522-590015 providing us with your name and contact details.

(5.3)

Where you have subscribed to receive marketing correspondence from us we will keep your personal data for six years from when you subscribed to receiving marketing information from us or until you unsubscribe from receiving such correspondence from us (whichever is earlier).

6 – Legal Basis for Processing your Personal Data

(6.1)

In accordance with data protection legislation we are required to notify you of the legal basis upon which we process your personal data. We process your personal data for the following reasons:

  • (6.1.1) – for performance of a contract we enter into with you;
  • (6.1.2) – where necessary for compliance with a legal obligation we are subject to; and
  • (6.1.3) – for our legitimate interests (as described within this policy).

(6.2)

We will also process your personal data including personal sensitive data  where we have obtained your explicit consent.

7 – Disclosure of your Data to Third Parties

(7.1)

In addition to the third parties mentioned previously in this policy, we may disclose your personal data to third parties for the following legitimate business purposes:

  • (7.1.1) – staff members in order to facilitate the provision of services to you;
  • (7.1.2) – IT software providers that host our website and store data on our behalf; and
  • (7.1.3) – to a prospective buyer of some or all of our business or assets, in which case personal data including Your Data will also be one of the transferred assets.

(7.2)

We may disclose your personal data to the police, regulatory bodies, legal advisors or similar third parties where we are under a legal duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our agreements; or to protect our rights, property, or safety of our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

(7.3)

We will not sell or distribute your personal data to other organisations without your approval.

8 – Cross-Border Data Transfers

We do not transfer personal data outside the EEA.  Where this is required in the future, we will ensure that safeguards are in place so that such transfers comply with data protection legislation.

9 – Data Security

(9.1)

Information you provide to us is shared on our secure servers. We have implemented appropriate physical, technical and organisational measures designed to secure your information against accidental loss and unauthorised access, use, alteration or disclosure. In addition, we limit access to personal data to those employees, agents, contractors and other third parties that have a legitimate business need for such access.

(9.2)

Where we have given you (or where you have chosen) a password which enables you to access certain parts of our Site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

(9.3)

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your information transmitted to our Site; any transmission is at your own risk.

10 – Access to, updating, deleting and restricting of your data

(10.1)

It is important that the personal data we hold about you is accurate and current.  Please keep us informed if the personal data we hold about you changes. 

(10.2)

Data protection legislation gives you certain rights in relation to your personal data. You have the right to object to the processing of your personal data in certain circumstances and to withdraw your consent to the processing of your personal data where this has been provided.

(10.3)

You can also ask us to undertake the following:

  • (10.3.1) – update or amend your personal data if you feel this is inaccurate;
  • (10.3.2) – remove your personal data from our database entirely;
  • (10.3.3) – send you copies of your personal data in a commonly used format and transfer your information to another entity where you have supplied this to us, and we process this electronically with your consent or where necessary for the performance of a contract;
  • (10.3.4) – restrict the use of your personal data; and
  • (10.3.5) – provide you with access to information held about you and for this to be provided in an intelligible form.

(10.4)

We may request specific information from you to help us confirm your identity. Data protection legislation may allow or require us to refuse to provide you with access to some or all the personal data that we hold about you or to comply with any requests made in accordance with your rights referred to above. If we cannot provide you with access to your personal data, or process any other request we receive, we will inform you of the reasons why, subject to any legal or regulatory restrictions.

(10.5)

Please send any requests relating to the above to our Privacy Officer, Andy Wilson, at 2 Claudius Road, North Hykeham, Lincoln, LN6 9PH or andy@andywilsonfs.co.uk specifying your name and the action you would like us to undertake. Note that in relation to requests to access personal data, we reserve the right to charge a reasonable fee to comply with your request.

11 – Right to Withdraw Consent

Where you have provided your consent to the collection, processing and transfer of your personal data, you may withdraw that consent at any time. This will not affect the lawfulness of data processing based on consent before it is withdrawn. To withdraw your consent please contact us at andy@andywilsonfs.co.uk or by writing to Andy Wilson, 2 Claudius Road, North Hykeham, Lincoln, LN6 9PH

12 – Changes to our Privacy Policy

We reserve the right to update this privacy policy at any time, and any changes we make to our privacy policy will be posted on this page. We will notify you if there are any changes to this policy that materially affect how we collect, store or process your personal data. If we would like to use your previously collected personal data for different purposes than those we notified you about at the time of collection, we will provide you with notice and, where required by law, seek your consent, before using your personal data for a new or unrelated purpose. We may process your personal data without your knowledge or consent where required by applicable law or regulation.

13 – Contact Us

We have appointed a Privacy Officer to oversee compliance with this privacy policy. If you have any questions, comments or requests regarding this policy or how we use your personal data please contact our Privacy Officer at andy@andywilsonfs.co.uk or tel: 01522-590015. This is in addition to your right to contact the Information Commissioners Office if you are unsatisfied with our response to any issues you raise at https://ico.org.uk/global/contact-us/

 

Last updated: 1 April 2018.

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I provide my consent for Andy Wilson Financial Services to contact me regarding my enquiry. 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 supervisors. 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.

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