About Richards & Logic

Who We Are

Mortgage advice is provided by Hayden Richards, CeMAP-qualified, as an authorised adviser of Echo Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 570073). Richards & Logic is a trading style of MarketMedia Ltd.

We help customers understand when a case may need specialist mortgage advice, including retained profits, director dividends, day rates, and irregular income patterns.

What We Do

We help customers who have been declined by high-street banks or told they may not be able to borrow enough. Common enquiry types include:

• Self-employed mortgages — sole traders and partnerships with 1–2 years of accounts
• Director mortgages — using retained profits and dividends, not just salary
• Contractor mortgages — annualised day rate assessment
• Complex income cases — multiple income sources, foreign income, overseas nationals
• First-time buyers with non-standard employment history

Our Approach

Regulated mortgage advice is provided directly by Hayden Richards as an authorised adviser of Echo Finance Limited, helping identify suitable mortgage options from a broad panel of UK lenders.

Any mortgage advice, recommendation, fees and commission will be explained before you proceed.

Regulatory Information

Mortgage advice is provided by Hayden Richards, CeMAP-qualified, as an authorised adviser of Echo Finance Limited, which is authorised and regulated by the FCA (FRN 570073). This means:

• Regulated advice is provided by an FCA authorised firm
• Information should be clear, fair, and not misleading
• Eligible regulated activities may be covered by the Financial Services Compensation Scheme (FSCS)
• You may have access to the Financial Ombudsman Service for eligible complaints

Contact Us

• Phone: 07397 901560
• Email: help@complexincome.mortgage
• Address: 86-90 Paul Street, London, EC2V 4NE

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