Andy Brabham-Neil

Andy Brabham-Neil – Mortgage Adviser for Lawton Financial Services Ltd

Andy is a whole of market Mortgage Adviser with over 20 years experience…

Your home may be repossessed if you do not keep up repayments on your mortgage.

Andrew has over 20 years experience in the industry and works alongside HS Estate Agents to help clients find the most appropriate mortgage deal for their needs, whether a First time buyer, Home mover or an Investment buyer.

As a whole of market adviser for mortgages, Andy can source all of the marketplace for the most suitable mortgage, and is not tied to any one lender. In contrast a high street bank or building society can only sell and advise on their own products.

We develop long-term relationships with our clients, which see them moving to their dream home, then at a later date possibly remortgaging to find a better rate.

Andy was granted the Freedom of the City of London and he is a Liveryman in the Worshipful Company of Coopers. Andy is passionate about watching his sons play Rugby, Clay Pigeon shooting and his love of Classic Cars, which he enjoys working on as well as driving.


Just call or email me or my PA Kerry on 01277 548548 for an appointment.


What our client’s say…

Andy, Kerry and Fran are the best!!

Andy helped us with our first house purchase 10 years ago and he was the first person we have contacted when we decided to go with the second purchase . I would highly recommend Andy for all of the amazing work he has put in.

Kerry helped us with paperwork and got it all ready so everything went smoothly.

Fran helped us with renting out our property. We were able to get good tenants and on time. Highly recommended.

Really appreciate all your hard work!!!

Gintare Vaiciuliene + family


Hi Andy, Lee,

Been meaning to get this over to you for some time now.

Little feedback email. 🙂

I highly recommend HS Estate agents, and I will tell you why.


Along side the sale and purchase of properties, we had spoken with Andy about our mortgage. I have my own business and always felt it would be difficult to loan such amounts. Andy quickly put my mind at rest, he always discussed clearly and openly about what the next stages were, what we need to provide him and general knowledge. With Andy and his family owning the estate agents, the collaboration between them was of complete ease.

Andy, has great contacts within the business not only giving great advice and providing you with his knowledge and in addition to this getting a great deal for our mortgage.

Andy has also support my husband and I through months of heartache, losing several houses and a previous buyer. He has become our friend throughout this process and I will never hesitate to contact Andy and HS estate agents should we wish to move again.

If you are looking for an honest team of people who really do care about your sale or purchase, your feelings and actually do what is in your best interest then I would not look any further. I have previously dealt with other agents in Brentwood and Essex and there is no question who is the best.

Mrs Katie Charalambous



Thank you for all your support and advice on completing our new mortgage. Your help is always kindly appreciated

Love from

Mandy & Chad

I’d like to say a huge Thank you to Andy and Kerry. They offer a friendly, professional mortgage service. I have re-mortgaged with Andy for the last 12 years. He always offers great advice and takes the stress out of re-mortgaging. I couldn’t recommend them highly enough. Thank you again and see you next time.


Andy, just a little thank you for helping us to secure our mortgage, we are very grateful for your support and guidance through what can be a daunting process, Rest assured we will recommend you to anyone that is looking.

Natalie O’Shea & Neil Morris

Andy & Kerry made our re mortgage a quick easy simple process with the least amount of fuss from start to finish, We would highly recommend Them as a team, If one is out of the office then the other was always on hand to answer any questions.

Thank you once again to you both

Pauline & Colin (Pilgrims Hatch)

Andy and Kerry have now helped us obtain a mortgage on 2 occasions, once for a house move and then on a re-mortgage. At both times the process has been very smooth and easy, accompanied by Andy’s very sound advice. We would not hesitate to recommend them and the team to anyone.

Nick and Lorraine Woollard

Massive thanks to Andy and Kerry, who have helped me purchase two properties and a remortgage. Andy was able to get me a great deal on my remortgage and with his advice I have started to increase my portfolio. Excellent service and thanks again.


“A massive thank you to Andy and Kerry whose calm and efficient support helped me through a stressful re-mortgage. I will begin using ABN for all my future mortgage needs.”

All the best

Michael Winter

Andy has been our mortgage advisor for 15 years and has always found the best mortgage option to suit our needs.  He is honest and personable, providing a wealth of knowledge regarding mortgage companies and their offers. Andy and his team are efficient and always answer any queries within 24hrs.


A big thank you to Andy and Kerry for helping me with the mortgage on my first property, you made sure that the whole process went smoothly. I’m really happy in my new home and I’m thankful for all of your support along the way. I will be recommending you to my family and friends.


Dear Andy, The mortgage offer was received in the post on Saturday, and all looks good! We’re very happy – Thank you both for all your work in getting this over the line.  After my previous nightmare experience with another broker you have both been brilliant.  I will be singing your praises to my friends in the area, and will of course return to you for further mortgages down the line.


Andy found us the perfect solution and Kerry the fantastic support to make re-mortgaging our property, a breeze! They hand held us through the process, and were always on hand to ask questions and follow up things on our behalf. Ultimately they’ve helped us buy our dream house and realise our wider financial goals. Massive thanks to them both from the whole family!


I would like to say a massive Thank you to Andrew and Kerry for helping my partner and I purchase our first property, they made everything so simply to understand, and kept me in the loop with everything that was going on. I would highly recommend them both to anybody looking to purchase a property.

Tom Brabham



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