About Us | Links Financial Services London — Independent Mortgage & Protection Advisers

Independent Mortgage & Protection Advisers

Advice you can trust, from people who care

Links Financial Services London is an independently run, FCA regulated mortgage and protection practice built on one principle: your best interests come first, always.

Founded by Jagpal Singh — a DipFA and CeMAP qualified adviser with years of hands-on experience across the London and Essex mortgage market — Links FS exists to give clients access to the kind of personalised, whole-of-market advice that the high street simply cannot offer.

FCA Regulated

DipFA Qualified

CeMAP Qualified

Whole-of-Market

📞 01708 202 175 Email Jagpal

Our Story

Built on integrity, driven by results

Links Financial Services London was founded with a clear purpose: to provide genuinely independent mortgage and protection advice that puts people first. In a market crowded with lenders pushing their own products and brokers tied to panels of a handful of lenders, Jagpal Singh saw an opportunity — and a responsibility — to do things differently.

Having worked across financial services and witnessed how often clients were steered towards deals that served the adviser more than the client, the decision was made to build a practice anchored in transparency, whole-of-market access, and the kind of long-term relationships that only come from truly looking after someone's financial wellbeing.

"We measure our success not in the number of cases completed, but in the number of clients who come back — and the people they refer to us."

Today, Links FS serves first-time buyers, home movers, landlords, and families across London, Hornchurch, Romford, and the wider Essex area. Our approach is straightforward: understand your situation fully, search the whole market, and recommend only what is right for you.

Our Mission

To make expert financial advice accessible, honest, and genuinely client-centred

We believe every homeowner, first-time buyer, and family deserves access to the full mortgage market — and an adviser who will fight for the best possible outcome on their behalf.

🔍

Whole-of-Market Search

🤝

Independent Advice

🛡️

FCA Regulated

⭐

Five-Star Service

Est.

Links FS London

Meet Your Adviser

The person behind your advice

At Links FS, you don't speak to a call centre. You work directly with Jagpal Singh — a qualified, FCA regulated mortgage and protection adviser who knows your case from the first call to the day you get your keys.

✓DipFA Qualified

✓CeMAP Qualified

✓FCA Regulated

FCA

Authorised Regulated firm

Jagpal Singh

Mortgage & Protection Adviser · London, UK

★

100+ Reviews Five-star rated

Founder & Principal Adviser

Jagpal Singh

Mortgage & Protection Adviser — London, UK

Jagpal Singh is the founder and principal adviser at Links Financial Services London — a DipFA and CeMAP qualified mortgage and protection specialist with extensive hands-on experience navigating the complexities of the London and Essex property market.

Having guided hundreds of clients through some of the most significant financial decisions of their lives, Jagpal brings a depth of knowledge that goes well beyond the qualification framework. Whether it is a straightforward first-time buyer mortgage, a complex self-employed application, a buy-to-let portfolio restructure, or a specialist protection plan — Jagpal has the expertise and lender relationships to find the right solution.

"I believe every client deserves clear guidance, honest advice, and mortgage solutions tailored to their goals — not just the path of least resistance."

— Jagpal Singh, Founder, Links Financial Services London

What defines Jagpal's practice is a genuine commitment to long-term client relationships. Many clients return when their fixed rate ends, when they are ready to move or expand a portfolio, and to refer family and friends — a testament to the quality of advice and care they received. At every stage, the approach is the same: listen carefully, search the whole market, and only ever recommend what is truly right for each individual.

Mortgage Adviser London First-Time Buyers Remortgage Specialist Buy-to-Let Mortgages Self-Employed Mortgages Protection Adviser Life Insurance Adviser Income Protection Mortgage Broker UK

📞

Office: 01708 202 175

📱

Mobile: 07530 237 815

✉️

Email: j.singh@linksfs.com

📞 Call Jagpal directly ✉ Send an email

Why Choose Us

Why clients choose Links FS

We're not a call centre. We're not tied to a panel. We're an independently run practice where your adviser knows your name, your situation, and your goals — from first call to completion.

🔓

Truly Independent

No quotas, no lender incentives, no panel restrictions. We search the whole market to find the mortgage or protection policy that genuinely suits your needs — not what's easiest or most profitable for us to arrange.

👤

One Dedicated Adviser

You deal directly with Jagpal Singh throughout the entire process. No call centres. No passing from one adviser to another. One expert who understands your case from start to finish.

📋

Qualified to the Highest Standard

Holding the Diploma in Financial Advice (DipFA) and CeMAP qualifications, Jagpal operates to the highest professional standards required of mortgage and protection advisers in the UK.

⚡

Swift, Proactive Communication

We know that waiting for updates is one of the most frustrating parts of any mortgage application. We keep you informed at every stage so you always know exactly where things stand.

🏠

Complex Cases Welcome

Self-employed, adverse credit, complex income structures, portfolio landlords — we have the knowledge and lender relationships to navigate cases that high-street lenders frequently decline.

♾️

A Long-Term Relationship

We're here for the long run. When your fixed rate ends, when your circumstances change, when you're ready to remortgage or expand a portfolio — we'll already know your financial history and be ready to act.

Qualifications & Credentials

Regulated, qualified, and accountable

Working with a qualified, FCA regulated adviser is not just reassuring — it is a legal requirement for mortgage and protection advice in the United Kingdom. At Links FS, we go beyond the minimum, holding qualifications that reflect a genuine commitment to professional excellence.

DipFA

Diploma in Financial Advice

A level 4 qualification and one of the most respected credentials in UK financial services. The DipFA demonstrates comprehensive knowledge of financial planning, regulation, and client advice standards.

CeMAP

Certificate in Mortgage Advice & Practice

The industry-standard qualification for UK mortgage advisers, covering mortgage law, regulation, products, and the full advice process from initial consultation to completion.

FCA

FCA Authorised & Regulated

Links Financial Services London Ltd is authorised and regulated by the Financial Conduct Authority. This means you have the full protection of the UK regulatory framework, including access to the Financial Ombudsman Service and FSCS where applicable.

By the numbers

90+

Lenders on our panel

★★★★★

Average client rating

100+

Five-star reviews

£0

Initial consultation fee

🛡️

FCA Regulated Firm

Your advice is protected by the UK's financial regulatory framework. We are required to act in your best interest at all times — and are held accountable if we don't.

Your home may be repossessed if you do not keep up repayments on your mortgage. Links Financial Services London Ltd is authorised and regulated by the Financial Conduct Authority.

90+

Mortgage lenders searched across the whole market

100+

Five-star reviews from clients across London & Essex

£0

Initial consultation fee — advice starts with no obligation

1st

Your interests always come first — that's the Links FS promise

Our Philosophy

Client-first, always

At Links FS, client-first is not a marketing slogan. It is the standard against which every recommendation, every conversation, and every decision is measured. As an FCA regulated adviser, Jagpal is required by law to act in your best interest — but our commitment goes beyond regulatory compliance.

We take time to understand your full financial picture before we make any recommendation. Your income, outgoings, future plans, risk appetite, and protection needs all inform the advice you receive. We won't rush you towards a quick decision, and we won't recommend something that doesn't fit.

"The best mortgage is not always the one with the lowest headline rate. The best mortgage is the one that fits your life, your plans, and your financial future — and getting that right takes genuine expertise and genuine care."

Jagpal Singh — Founder, Links Financial Services London

Listen First

We begin every client relationship by listening. No assumptions, no templates — just an honest conversation about your goals and your situation.

Search the Market

We search across 90+ lenders to find the most suitable product. Suitable — not just the cheapest, but the right fit for your needs.

Explain Clearly

We explain every recommendation in plain English. You'll understand exactly what we're recommending and why, before you commit to anything.

Support You Through

From application to completion — and beyond — we're here. We chase lenders, liaise with solicitors, and keep you informed every step of the way.

Protect Your Future

A mortgage without proper protection is a risk. We always review your protection needs to ensure your home and family are covered if the unexpected happens.

Stay in Touch

We proactively review your mortgage as your fixed term approaches. You'll never be left on a lender's standard variable rate when a better deal is available.

Where We Work

Serving London, Essex, and beyond

Based in Hornchurch, RM12, Links FS provides mortgage and protection advice to clients across East London, Romford, Havering, and the wider Essex area — as well as clients throughout the rest of the UK who prefer to work with us remotely.

All meetings can be conducted face-to-face at our Roneo Corner office, by telephone, or via video call — whichever suits you best.

📍

Hornchurch

RM11 & RM12 — Our home base

🏙️

Romford

RM1–RM7 area

🌆

East London

E1–E20 postcodes

🏡

Upminster

RM14 area

🌳

Brentwood

CM13–CM15 area

🚉

Ilford & Barking

IG1–IG6, IG11

🏘️

Chelmsford

CM1–CM3 area

🇬🇧

UK Wide

Remote advice available

📍

Our Office: 18 Roneo Corner, Hornchurch, RM12 4TN

01708 202 175 07530 237 815

Get in Touch

Ready to get proper mortgage advice?

Your initial consultation is completely free and carries no obligation. Whether you're buying your first home, remortgaging, building a buy-to-let portfolio, or simply want to understand your options — call or email us today.

01708 202 175 Office — Monday to Friday

07530 237 815 Mobile — flexible hours available

✉️

j.singh@linksfs.com We respond within one working day

18 Roneo Corner, Hornchurch, RM12 4TN Face-to-face, telephone, or video appointments

Free initial consultation — no obligation

Independent whole-of-market mortgage advice

FCA regulated — your interests are protected

DipFA and CeMAP qualified adviser

Ready to get started?

Book a free consultation with Jagpal — no obligation, no jargon. Just honest advice tailored to your situation.

📅 Book a Free Consultation 📞 Call 01708 202 175 ✉️ j.singh@linksfs.com

✓ Free initial advice ✓ No obligation ✓ FCA regulated ✓ Whole of market