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David Rafferty

Senior Mortgage & Protection Adviser, Echo Finance

Having spent 35 years as a CeMAP qualified Senior Mortgage and Protection Adviser, I pride myself
on considering my clients individual needs, circumstances and preferences and treating them as I 
wish to be treated myself. One of my strengths is offering creative ways in which to beat the 
banks, save you money on your mortgage and reduce your mortgage term whilst ensuring that you, your home and your intended beneficiaries are fully protected.


Financing a home can be complicated and I excel and succeed in solving complex problems. I have 
helped thousands of clients navigate the complexities of mortgages, protection and estate planning.
I pride myself on having always been in the top 5 of Mortgage Brokers within the companies I have 
worked for and have won awards for the work I have done. I feel it is important to keep abreast of 
the mortgage world and as a result I regularly participate in continuing my professional 
development to ensure that the advice I give you is accurate and up to date. I believe your home is 
the stage on which you play out your life story and I love helping people realise their dreams.

Outside of my work and family, I enjoy running and have completed dozens of Marathons and was 
ranked number one for three years in a row in the CrossFit Open Championships for Scotland.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Legal Information

Echo Finance Limited is registered in England and Wales under company number 06939070. Our registered office is The 1812 Building, Wheatley Park, Mirfield, West Yorkshire, WF14 8HE.

Echo Finance Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 570073. We are a credit broker, not a lender. ICO registration number: Z3021614.

The information on this website is intended for customers based in the United Kingdom and is subject to the UK regulatory regime.

The Financial Conduct Authority does not regulate will writing, estate planning and some forms of mortgage lending.

The information on this website is for general information only and does not constitute personal financial advice. Any rates, figures or examples shown are for illustrative purposes only. Actual products, rates and terms will depend on your individual circumstances and lender criteria.

If you have a complaint and we are unable to resolve it to your satisfaction, you may be able to refer your complaint to the Financial Ombudsman Service. Further information is available at www.financial-ombudsman.org.uk.

Echo Finance and its branding are registered trademarks with the Intellectual Property Office under numbers UK00004153470 and UK00004153463.

Important Information

We conduct both regulated and unregulated business. Not all products and services available through us are regulated by the Financial Conduct Authority.

We may receive commission from lenders or product providers. Different lenders and providers may pay different amounts depending on the product, lender, commission model and circumstances of the case. Commission may be paid as a fixed fee, a fixed rate of commission, a percentage of the amount borrowed or arranged, or may vary depending on the lender, provider, product, loan amount, risk profile or circumstances of the case. Further details of the commission model, calculation and amount will be disclosed to you as part of your customer journey.

For regulated mortgage advice, we offer a comprehensive range of mortgages from across the market. We are not limited in the range of mortgages we will consider for you, but we do not consider deals that are only available by going direct to a lender.

For commercial finance, bridging finance, development finance and other specialist lending, we work with a broad and regularly reviewed panel of lenders.

Our website guides and articles are provided for general information only. They are not tailored to your personal circumstances and should not be treated as financial advice or a personal recommendation. Please speak to one of our advisers if you require advice or guidance based on your individual circumstances.

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