Welcome to Andy Wilson Financial Services

Specialist Mortgage & Equity Release Advisers

Based in Lincoln, Lincolnshire the company specialises in providing Equity Release advice and plans for the retired, and arranging Mortgages of all kinds. 

Equity ReleaseMortgages

Equity Release
Equity Release includes Lifetime Mortgages and Home Reversion Schemes. We can only advise and arrange Lifetime Mortgages and will refer to an Approved Specialist for Home Reversion Schemes. These pages will focus on Lifetime Mortgages. These are only applicable to those over 55 and could affect eligibility to state means tested benefits and the inheritance you may leave.
Mortgages
Your home may be repossessed if you do not keep up repayments on your Mortgage.
Equity Release

Equity Release is a fast growing market which allows homeowners over the age of 55 to release some of the money tied up in their property.

There are pages to help you understand the different schemes and options, risks involved, plus safeguards and guarantees built in. You can also use our Lifetime Mortgage Calculator to see how much you might be able to release as a maximum. 

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Mortgages

Information and guidance is available for homebuyers, including first time buyers, those looking to remortgage, and landlords wanting a buy to let mortgage. We also explain the new ‘Retirement Interest Only’ (RIO) mortgages.

For those looking to purchase a home, you may research the initial set up costs of buying a house. Clear guidance on the processes involved is also given. 

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About Us

Founded in 2011, our firm was built on a simple idea: financial advice should be honest, empathetic, and easy to understand.

With decades of experience, including time at a major building society and an independent financial advisers firm, Andy wanted to create something offering a more personal service. His focus on later life lending and equity release has earned us a reputation for trusted guidance.

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Please choose Testimonials from the Flexi Block Options at the bottom of this page.
I had a 1st class experience with Andy, and will always be grateful for everything he did for us.

Andy Wilson is one of the nicest guys I've come across he's very friendly, very professional but most of all very understanding of our needs. He talked us through all paperwork made sure we understood everything, and any questions I had he was only a phone call away. I would recommend Andy to family and friends without hesitation....I had a 1st class experience with Andy, and will always be grateful for everything he did for us.

Paul Senior
Holmfirth - Feb 2026
Robert was polite and professional.

He gathered the information he needed for my buy to let mortgage before narrowing the options and discussing the merits of each. When there was an issue with the Land Registry he offered support and regular contact. Robert is a credit to his profession. We would definitely recommend him. Many thanks.

Mr & Mrs S Norton
Lincoln - Jan 2024
You went above and beyond

Thank you, Robert, for helping us secure the best possible mortgage deal. You went above and beyond, continually revisiting and revising the options to make sure we locked in the lowest rate available.

The whole process was smooth and straightforward, we were kept in the loop at every stage, and nothing was ever too much trouble when we had questions. We wouldn’t hesitate to recommend you and will definitely be back in touch when it’s time to remortgage.

Rachael Hunt
Lincoln - Jan 2026
Trustworthy, attentive and effective.

I appreciated the personal service, experience and expertise.

Miranda Seymour-Smith
Abergavenny - Feb 2024
Steve is an incredible financial advisor. An amazing service from start to finish.

Steve is an incredible financial advisor. He was supportive throughout, gave me all the information I needed and was patient and informative when I was not sure about certain things. He also worked tirelessly to get me the best deal and kept checking for even better deals when the market changed. An amazing service from start to finish. Would highly recommend.

Paul Logan
North Hykeham - Feb 2024
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A specialist financial adviser company based in Lincoln

Andy Wilson Financial Services Ltd is 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.

Owned and managed by Andy Wilson, a well-respected and experienced financial adviser, Andy is building on 45 years’ experience of providing clients in Lincolnshire and much further afield with sound financial planning. He has been a regular contributor to financial articles in the national press including The Telegraph, The Sunday Times, The Guardian and the Mail Online, plus specialist financial media publications.

Meet The Team

Why Think About Releasing Equity?

Many people reach retirement and realise their pension doesn’t quite stretch as far as they’d hoped. With the cost of living rising and state benefits under pressure, it’s not unusual to feel a little uncertain about the years ahead.

For others, it’s about maintaining the lifestyle they’ve worked hard for - the holidays, the hobbies, the simple freedom to say ‘yes’ more often. But even with careful planning, savings and pension pots can run down faster than expected.

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Contact Us

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

Call Us:
01522 590015
office@andywilsonfs.co.uk
11 Boscombe Close, Lincoln, LN6 3TG
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Equity Release Newsletter Download

You can access the latest Equity Release Newsletter download by filling out the form. We will publish the latest newsletter roughly twice-yearly.

Equity release includes lifetime mortgages and home reversion schemes. We can advise and arrange lifetime mortgages and will refer to an approved specialist for home reversion schemes.

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Get In Contact
Call Us:
01522 590015
office@andywilsonfs.co.uk
11 Boscombe Close, Lincoln, LN6 3TG
© 2026 Andy Wilson Financial Services Ltd. - Registered in England: 07547809