Business Details
15 Years
experience
Specialist Financial Advisers for Independent Professionals
Founded in 2011, Broadbench has established itself as a trusted partner for independent professionals seeking tailored financial solutions. Our expertise lies in bridging the gap between traditional financial systems and the unique needs of contractors, freelancers, and business owners. With a team of seasoned advisers, we specialise in navigating complex income structures to deliver mortgage and insurance products that align with our clients' lifestyles. Our commitment to innovation is reflected in our tax-efficient strategies, including Relevant Life Insurance and contractor mortgage solutions designed to maximise financial security.Recognised by the Financial Conduct Authority (FCA), we maintain rigorous compliance standards while prioritising client-centric service. Our 5-star Trustpilot reputation and long-standing industry relationships underscore our position as market leaders in specialist financial advice. Through continuous client engagement and proactive policy reviews, we ensure our solutions evolve alongside our clients' changing needs, reinforcing our reputation as a reliable and authoritative voice in financial services for non-traditional earners.
Services
Business Protection
Relevant Life Insurance
Contractor Mortgages
Income Protection
Inheritance Tax Planning
Details
- Year established: 2011
Highlights and features
- Specialists in contractor mortgages with access to niche lenders
- Tax-efficient protection solutions for non-traditional income structures
- Personalised service with ongoing policy reviews
- 5-star Trustpilot rated financial advisers
- Expertise in bridging IR35 compliance and financial planning
Associations and certifications
- Financial Conduct Authority
What people say
5-star Trustpilot reputation
Personalised service
Expert mortgage advice
Tax-efficient solutions
Proactive support
Services
Business Protection
Our business protection solutions safeguard companies against financial disruption from key personnel loss or critical illness. We specialise in tax-efficient Relevant Life Insurance and Key Person Cover tailored for limited companies and contractors. Policies protect business continuity while optimising corporate financial strategies.
Contractor Mortgages
We secure mortgages for non-traditional earners by translating day rates and dividends into lender-acceptable income proofs. Our FCA-regulated advisers access niche lenders offering competitive rates for first-time buyers and portfolio landlords alike.
Income Protection
Our income protection policies ensure financial stability during work incapacity. Tailored for contractors and directors, these plans replace lost income from illness or injury while maintaining tax efficiency through corporate structures.
Inheritance Tax Planning
We implement strategic solutions to mitigate inheritance tax liabilities. Through trust-placed whole-of-life policies and structured asset planning, we help business owners protect family wealth and business continuity.
Private Healthcare
Our business healthcare solutions provide rapid private medical treatment access. Designed for directors and contractors, these plans maintain productivity by minimising work absence through comprehensive diagnostic and rehabilitation coverage.
People
Tom Hitchcock
Director
Founded Broadbench in 2011 after careers as mortgage advisor and small business mentor. Specialises in contractor financial solutions with focus on tax-efficient protection strategies. Holds FCA-authorised status.
Michael Cooke
Business Development Adviser
Joined in 2013, specialising in tax mitigation and asset protection for entrepreneurs. Former chef with unique understanding of self-employed financial challenges. Develops market-leading service frameworks.
Jordan Tomlinson
Mortgage Adviser
Qualified CeMap adviser with expertise in contractor lending solutions. Focuses on translating complex income structures into mortgage approvals while maintaining compliance with FCA regulations.
Joanne Mitchell
Marketing Manager
Over 20 years' marketing experience specialising in financial services. Develops strategic partnerships and digital campaigns that enhance Broadbench's market visibility among independent professionals.
Emily Moors
Client Manager
Manages client administration and appointment scheduling. Focuses on maintaining Broadbench's high customer satisfaction ratings through proactive communication and streamlined policy management processes.
Questions
Why do independent professionals need specialist financial advice?
Non-traditional income structures require tailored solutions that mainstream providers often cannot accommodate.
How do contractor mortgages differ from standard mortgages?
We assess annualised contract rates instead of PAYE income, working with lenders that understand variable earnings.
What tax-efficient protection options exist for business owners?
Relevant Life Insurance allows tax-deductible premiums while providing tax-free death benefits for beneficiaries.
Can new contractors access mortgage products?
Yes, with demonstrable industry experience and contract continuity, even first-contract professionals qualify.
How does Broadbench maintain its 5-star service standard?
Through dedicated client managers, regular policy reviews, and specialist underwriter relationships ensuring optimal outcomes.
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