About Us

As Alternative Financial Planners, we want to tell you the TRUTH about your money and whether you will be able to live the life you live now in the future.

Whether you are buying your first flat, getting married, having children, investing in a holiday home or planning your retirement, Custodia Financial Services can make it happen. We help clients achieve their goals by providing the right advice and solutions.

Relations with our clients

Custodia Financial Services is dedicated to treating customers fairly. As part of this, we have established a client agreement for our clients. Custodia Financial Services aims to invest, mortgage, and insure any property, anywhere in the UK. We also arrange cover to protect you and your family against any unforeseen circumstances. While we strive to help all applicants, our advisers are not compelled to assist with every transaction.

How is our service delivered to you?

Stage 1

Identify:

We have an Initial call, online meeting or in my office where you tell me about you and your current situation and the things you want to do. There is no charge at this stage as this is at our cost, it is at our cost. This usually lasts around 45-60 mins.

Stage 2

Prepare

We will substantiate your position to be able to confirm if we can help you achieve your required goal

Stage 3

Implementation

This is where I put in place the financial products you need to achieve your financial goals.

What do we Charge?

Mortgages & Commercial Finance - On instruction to gain our recommendation - £595

Mortgages - On offer from the lender £400

Mortgages - On offer from the lender for credit-impaired or international - £900

Commercial Finance - On offer of a commercial finance loan up to 1.5% of the loan

Why Us?

We act openly and fairly
We exercise the utmost care and professionalism
We are transparent in everything we do
We look for longevity in all our professional relationships
We are registered with the Financial Services Authority
We are a member of London Insitute of Banking and Finance
We are registered with the Equity Release Council
We are register with the Information Commissioner's Office
We carry out regular training to ensure we are on top of our industry standards

Our Team

Craig Jardine

Independant Financial Adviser
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TBC

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Viral Patel

Financial Planner & Mortgage Broker

Kyrie Llewellyn

Mortgage Case Handler

Sourcing Experienced...

Protection Specialist

Laura Jones

Mortgage Case Handler

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 ...
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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 ...
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Testimonials

By far the best financial services provider I have dealt with. Viral Patel and Laura Jones have been absolutely fantastic with helping me with my mortgage. They were extremely helpful from start to finish and responded immediately to every query and question I had. Getting a mortgage can be a very stressful experience but I feel I was working with the best. Both have been so amazing I would highly recommend them to all my friends and family. Thank you both so much! Thaira
Thaira Sheikh
Thaira Sheikh
17:04 06 Dec 21
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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