Firmitas Financial Services Limited

Mortgage broker · Portsmouth · incorporated 2015

  • First-time buyers
  • Remortgage
  • Self-employed
  • Later life & equity release

Contact details published by the firm

Visit luma-financial.co.uk

Services mentioned on its website

When we checked luma-financial.co.uk on 2026-09-13, Firmitas Financial Services Limited mentioned first-time buyers, remortgage, self-employed, later life & equity release. This comes from the firm's own pages, not from an assessment by us — confirm directly that it handles your situation.

Checking Firmitas Financial Services Limited on the FCA Register

Its website says it is an appointed representative of St. James’s Place Wealth Management plc, which takes regulatory responsibility for its advice. We haven't verified this with the FCA. Search Firmitas Financial Services Limited on the FCA Register →

Questions to ask Firmitas Financial Services Limited

  1. Can you recommend mortgages from the whole market, from a panel of lenders, or from a single lender?
  2. Do you charge a fee? If so, how much is it and when is it payable?
  3. What deposit will lenders realistically want for the homes I'm looking at, and which first-time buyer schemes am I eligible for?
  4. How early should I start before my current deal ends, and could a product transfer with my existing lender be better value?
  5. How many years of accounts or tax calculations will lenders want to see for my income?
  6. Are you qualified to advise on equity release, and how would you involve my family in the decision?

Frequently asked questions

Is Firmitas Financial Services Limited authorised by the FCA?

Firmitas Financial Services Limited's website describes it as an appointed representative of St. James’s Place Wealth Management plc, which means that firm takes regulatory responsibility for its advice. Check both names on the Financial Services Register before taking advice.

What types of mortgage does Firmitas Financial Services Limited mention?

On its own website, Firmitas Financial Services Limited mentions: First-time buyers, Remortgage, Self-employed, Later life & equity release. Services change, so confirm directly that the firm handles your situation.

How do I contact Firmitas Financial Services Limited?

Firmitas Financial Services Limited's website is luma-financial.co.uk.

Does Firmitas Financial Services Limited only work with clients in Portsmouth?

Its registered office is in Portsmouth, but many brokers advise by phone or video and take clients from further afield. Ask the firm which areas it covers.

General information, not advice. Mortgage Brokers List is a directory, not a broker, and nothing here is a recommendation. Contact details and services come from the firm's own website; its identity was matched by the Companies House number shown there. Is this your firm? See how to request a correction or removal.