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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.

About Andy Wilson Financial Services

Founded in 2011 by lifelong Lincoln resident Andy Wilson, 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 independent advisory firm, Andy wanted to create something more personal. His focus on later life lending and equity release has earned us a reputation for trusted, straightforward guidance.

We’ve grown carefully, bringing in advisers who share our values. Today, we’re a small, friendly team of professionally qualified experts who genuinely enjoy helping people make confident financial decisions - and we genuinely enjoy what we do.

The Team

Andy Wilson leads on all Equity Release and Later Life Lending advice, meeting clients across the UK in their own homes. His calm, friendly approach and knack for explaining complex topics in plain English have helped hundreds of clients make well-informed decisions.

Robert Drury joined in 2019, bringing years of mortgage experience from major banks and building societies. He looks after most of our new mortgage clients and takes pride in making the process as smooth and stress-free as possible.

Steve Taylor became part of the team in 2021 after a long career with the Halifax and an independent mortgage adviser firm. Based in Lincoln, he helps clients find practical, affordable mortgage solutions to suit their goals.

Tina Wilson, our co-Director, keeps the wheels turning. She manages the administration, finances, and day-to-day liaison with lenders, solicitors, and insurers - all the while keeping Andy, Robert, and Steve in line - and occasionally rescuing the company credit card!

Meet The Team
Please choose Testimonials from the Flexi Block Options at the bottom of this page.
We considered Equity Release but needed a guiding hand.

We considered Equity Release but just needed a guiding hand, Looked for Financial Services near us & Andy Wilson Financial Services popped up, We checked the reviews & thought we would get in touch, best thing we did, Andy came to our home for an initial consultation & explained our options, He was so down to earth & we felt so at ease with him. He & his team guided us through the whole process, he kept us informed & any queries he answered pretty much straightaway (even answered emails while on holiday). The process was done & dusted within 6 to 8 weeks. If you are worried or unsure if Equity Release is for you don't hesitate to get in touch with Andy, he most certainly is THE man to help you out.

Ms J Turner
Billinghay - Nov 2025
From start to finish Robert was amazing in helping us find the right mortgage for us.

As first time buyers, we thought it would be quite an overwhelming and complicated process, however Robert explained everything and answered all of our questions thoroughly. When reviewing potential deals, he allowed us to make our decisions, but advised of which ones would be most suited to us. He produced documents and gave us updates quickly and was always on hand to answer any questions we had. We have been passing his contact details onto family and friends, and will definitely visit him again when we need to renew our mortgage. We cannot recommend or thank Robert enough.

Georgia & Haydn
Bardney - Oct 2025
He has been especially helpful in navigating mortgages when I am self employed

We have had the benefit of Steve's help when switching deals and also finding a new mortgage when moving house. He has been especially helpful in navigating mortgages when I am self employed, given the complexities this brings. He's always happy to explain things at a level to match your understanding and we have confidence in the knowledge that we have all the facts to make an informed decision for our future.

Adam Sandy
Newark - Apr 2024
I have no qualms in recommending them most highly.

Andy sorted my first mortgage for me over 40 years ago and when cicumstances required a re-mortgage, he was the first person I thought of. By then he had set up on his own and his affable, professional but warmly personal approach means I've stuck with him throughout. More recently, I've needed him again and he came to my house to explain the Equity Release options and brought Robert with him to explain a more traditional mortgage. They were both great - explaining all the pro's and con's of each approach for me in my individual circumstances. I took a few days to consider and do my own research and decided the mortgage route was best for me. Since then I've largely been dealing with Robert who I have to say is 'Andy, mark 2' - the same relaxed but professional style.

GS
Lincoln - Jul 2025
A friendly and knowledgable team who provided a personal and professional experience and made the whole process worry free.

It was our first selling & buying experience and nothing was too much trouble, even having to explain how equity works multiple times so we understood! They were very informative at every step of our journey and made everything clear. They kept us up to date with the progress of our mortgage offer and ensured we signed documents at the right time. They also helped us to sort our life insurance (another first) which was made super easy. A friendly and knowledgeable team who provided a personal and professional experience and made the whole process worry free.

Nat
North Hykeham - Feb 2024
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Recognition

We’ve been proud to receive national recognition over the years in several industry awards for the quality of our advice and our focus on clients’ needs - quite an achievement for a small, independent firm competing with national brands.

Where We Work

Andy and Tina are based in Lincoln, Robert works from his office in Skellingthorpe (with free parking, of course), and Steve operates from his base on the High Street in Lincoln. We’re happy to meet face-to-face, or via a video call – whatever suits you best. However, Andy personally visits all Equity Release clients in their homes wherever they are in the UK.

Our Ethos

At the heart of our business is a simple philosophy: be professional, ethical, and honest.

We work hard to deliver the right outcomes for our clients - and we believe a good sense of humour is an important team member quality and just as important as good financial advice!

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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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