Are you looking for independent financial advice to support your lifestyle need or financial goal?

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We can help you plan, secure and protect your finances through life's many events.

Here at Custodia Financial Services, we provide customers with financial advice and impartial information to help with life's all-important needs.

We honestly value our customers by serving information and advice with their best monetary and emotional interests at heart.

What financial solution are you looking for?

  • When should I start saving for retirement?

    See the difference it can make when you start saving and investing early - even if you put in the same amount in total as someone who starts much later.

    soon as it's conveniently possible...

  • How do I prepare to buy my first house?

    Getting ready to buy your first house can be daunting. Credit scores, deposit, and mortgages are all on your mind. 

    Here are the 3 steps...

  • Can I protect my income in the event of a accident or sickness

    If something happened to you would you be able to survive on savings, or on sick pay from work?

    If not, you'll need some other way...

  • How am I going to fund my kids schooling?

    For many, the thought of paying school fees for five, ten or even fifteen years looms on the horizon like an insurmountable mountain to climb.

    There are three main options...

  • I need to buy a bigger house? Should I sell my

    When you move home, you normally have to sell your current property, especially if you need the money to buy a new one.

    Can I keep my old home?...

  • I want to leave an inheritance

    Deciding whether to leave an inheritance for your children impacts the amount you save, the retirement plans you choose. However, beyond your desire to leave some wealth to your children (or not).

    Essential personal financial issues to consider...

  • I want to help my children buy their first house

    First-time buyers are finding it harder than ever to get the money together to finance their first home. As a result, many are turning to the 'Bank of Mum and Dad'.

    Here's what you need to know...

  • I want to plan my early retirement

    There is no longer a hard and fast age at which you have to retire. It's basically up to you and you can retire early if that's your chosen option.

    However, you'll need to be in a secure position...

Please speak with us well in advance to ensure you have time to understand and make an educated decision

Latest Blog/News

What you need to know about converting your property into an HMO

A house in multiple occupation (HMO) is a property rented out by at least 3 ...
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Information you need to provide to apply for a mortgage

When applying for a mortgage, lenders must be sure they know whom they are lending ...
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What is Joint Venture funding and how does it work?

Joint Venture Funding, often referred to as Equity Development Finance, is where two or more ...
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Can I use a lifetime mortgage to release equity from my buy to let property?

If you are thinking about purchasing or borrowing against, a Buy To Let property, it ...
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Can I get an investment mortgage as a Foreign national?

If you are a foreign national, a non-UK passport holder living and working outside the ...
Read More

Why is interest only better than a repayment mortgage for Buy To Let mortgages?

When you take out a mortgage there are two ways of repaying it. You can ...
Read More

Testimonials

I've been using custodia for my remortgages for the past 5 years, they have have been very professional and very quick to respond. I would highly recommend them to anyone who needs any financial services especially Viral who has been there from start to finish throughout the process.
Nitesh Varsani
Nitesh Varsani
16:50 17 Nov 21
Great service, professional and knowledgeable.
Ben Tippen
Ben Tippen
09:16 07 Oct 21
I would highly recommend the services of Viral and his team. Viral is extremely professional and knowledgeable. His support has been invaluable over the last few years from the beginning to the end of our re-mortgages. Despite all the questions we ask, Viral is always so friendly and patient. He is willing to go the extra mile to help us. Thank you so much for your patience and guidance, we couldn't have done our re-mortgages without you!
Usha P
Usha P
23:11 04 Oct 21
We have used Viral’s services for many years, the latest HMO, limited company, buy to let mortgage for our investment property purchase. Always provides a efficient and responsive service. Thank you so much.
29Bricks
29Bricks
20:42 04 Oct 21
Great service, they managed the whole process to completion.
Viz Patel
Viz Patel
15:42 04 Oct 21
Viral has been invaluable to us! He’s reliable, responsive and such a pleasure to work with. We trust him and the advice and service he provides is top notch. 100% recommend Custodia Estate Planning.
Diana Kim
Diana Kim
12:17 16 Sep 21
I have dealt with Viral re a remortgage, and he has been excellent providing a first class service. Advice, support and execution have all been exactly as required. I would highly recommend.
Deesch Achal
Deesch Achal
22:47 21 Jul 21
The team at Custodia are the best at what they do. They are professional, manage your expectations and brilliant at communicating regularly. They exceeded my expectations!
Shan Shanthakumar
Shan Shanthakumar
05:59 17 Jul 21
The company were diligent in the work they did and made the whole experience educational...
Norman Giscombe
Norman Giscombe
15:30 16 Jul 21
Efficient good quality services. Viral and his team made sure to keep me updated where necessary and also responded quickly to any queries I had. I highly recommend using their services.
Chandni Patel
Chandni Patel
15:57 14 Jul 21
Viral Patel was extremely helpful with a mortgage matter. He found a great deal and guided me through the whole process. I highly recommend him.
Usman Sheikh
Usman Sheikh
15:28 17 May 21
Excellent and professional service provided by Custodia Estate Planning and received amazing support from Viral Patel.
minaxi vishram
minaxi vishram
20:29 05 Apr 21
Custodia and Viral in particular are a great company to deal with. Extremely high level of technical knowledge across all of the financial advice spectrum. Highly recommended
Steve Mannakee
Steve Mannakee
15:12 30 Mar 21
I have instructing Custodian for close to tow years for all my work and there is one word that best describes their service: "Excellent!" I have been very impressed with Viral Patel. he is an absolute pleasure to deal with, he is very attentive and has a can-do attitude. He provides first class service and will always reply to your emails, return your calls etc but above all he give very professional and objective advice. He takes great care to ensure that you are provided with the products that meet your needs. Highly recommended.
Mayur Patel
Mayur Patel
11:46 21 Mar 21
bgpostman
bgpostman
20:33 19 Mar 21
Been using these guys for years. Best mortgage deals on the market and great personal service. No one does it better!
Duncan Richardson
Duncan Richardson
13:52 16 Dec 20
Looking for a bridging loan and I was put in contact with Viral and his team. They found a great deal which suited our requirements exactly.Very friendly, helpful, patient and most importantly knowledgable. Happy to recommend.
Simon Cooper
Simon Cooper
13:28 20 Nov 20
Nimit Patel
Nimit Patel
12:02 29 Oct 20
Custodia planning is an extremely professional and helpful company. Could not stress this anymore. I have used them for two properties and as stressful as it is they make your life a lot easier. Viral is extremely helpful and always willing to help anytime of day any question.
George Morton-Clark
George Morton-Clark
07:10 07 Oct 20
I had a great experience with Custodia planning. Viral handled the case extremely well and got us the best deal for our needs. There were some specific needs in our case, Viral took everything into consideration and helped us choose the bank that would be more acommodating and had the best rate. They have already handled 2 cases for us and will certainly reach out to them again if needed.
Saulo Consalter
Saulo Consalter
07:38 06 Oct 20
Excellent service by viral
rikesh patel (mncoachworks ltd)
rikesh patel (mncoachworks ltd)
14:32 26 Sep 20
Excellent service and very friendly responsive
Daxa Kalyan
Daxa Kalyan
20:57 22 Sep 20
Viral worked diligently to secure us a good mortgage during these trying times
Balbinder Jagpal
Balbinder Jagpal
13:19 22 Sep 20
I can highly recommend Viral and his team for mortgage and insurance advise based on the service I have received.
Kapilaben Patel
Kapilaben Patel
10:19 22 Sep 20
Viral provides a really high level of service and really takes the time to understand requirements before presenting a solution.It’s very reassuring to know that your needs are taken care off in the best way possible by someone that genuinely cares.Highly recommended!
Drijen Shah
Drijen Shah
13:22 18 Sep 20
Professional and responsive service and fantastic result! I couldn't recommend Custodia highly enough!
Jacob Figura
Jacob Figura
07:49 16 Sep 20
We have been working with Viral and Custodia for more than five years now. We have always received amazing support and service. They are our financial super heroes and always been there for us during the good times and the challenging ones and have never let us down. I highly recommend Custodia.
Davidene Harrington
Davidene Harrington
11:18 09 Sep 20
Excellent service! I have only use CEP services for all my financial needs.
Rashik Vishram
Rashik Vishram
06:24 12 Jan 20
Custodia planning are a God-send. They helped me tidy up my credit, secure an affordable mortgage, advised me on my will, life insurance. Recently they helped consolidate my debt (saving me 1000s!) Thank you Custodia!
Bonz H
Bonz H
20:07 16 Sep 19
Viral and the team at Custodia are excellent, I recommend them!
Richard Baggaley
Richard Baggaley
16:25 07 Dec 18
The best ever mortgage services .
Sina Motesharei
Sina Motesharei
14:09 14 Nov 18
I know Viral for 8 years in which he has advised me on financial transactions, insurance matters and made several mortgage applications all successful due to his experience and invaluable adviceViral and his team are professional, fantastic communicators and a pleasure to work withI would not contemplate making a financial decision without Viral’s adviceHighly recommendedAndiCovaci
MrAndicovaci
MrAndicovaci
16:14 03 Nov 18
Great Service, Thanks Viral
Dai Rose
Dai Rose
13:02 31 Aug 18
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