Expertise
- Mortgage & Protection Advice
- Income Protection
- Residential Mortgages
- Remortgages
- Life Insurance
- Critical Illness Insurance
- Self Employed Mortgages
- First Time Buyers
- Buy to Let mortgages
- Family Income Benefit
- General Insurance
- Adverse Credit Mortgages
Summary
I’m Gary, a mortgage adviser based in Essex, specialising in self‑employed, complex income, and adverse‑credit cases.
Most of my work comes from introducers who want a specialist they can trust with the cases that need more care, creativity, and communication than mainstream lenders can offer.
If your client has been declined, delayed, or told they “don’t fit the criteria”, that’s exactly where I step in.
Who I Help
I work closely with:
- Estate agents who want to reduce fall‑throughs and keep chains alive
- Accountants with sole‑trader and SME clients
- IFAs who don’t handle mortgages in‑house
- Solicitors who want clients to progress smoothly
- Business consultants supporting growing companies
- If your clients rely on you, you can rely on me.
What I Specialise In
Self‑employed mortgages (1–2 years’ accounts, complex income, multiple income streams)
Adverse credit (late payments, defaults, CCJs, historic issues)
Declines turned into approvals
Fast, human communication
Protecting introducer relationships
Clear, honest guidance for clients who aren’t mortgage‑ready
Why Introducers Work With Me
Professionals choose me because I make their life easier:
I save deals that would otherwise fall through
I protect your client relationship — I never cross‑sell or step outside the brief
I communicate clearly and quickly so you’re never left chasing updates
I give clients a roadmap if they’re not ready, so they come back to you
I handle the tricky cases that slow pipelines down
My role is simple: Keep your clients moving and keep your reputation strong.
Let’s Connect
If you’d like a specialist in your corner for tricky or time‑sensitive cases, I’m always happy to help.
Send me a message here on ProfessionalsUK — even if it’s just for a second opinion.
Experience
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Gary Poyntz Mortgage and Protection Limited
Owner
- Current
Qualifications
CeMAP
