ERG Private Finance Ltd

Ryan Garbett

FCA Number: 1031872

Mortgage Advice Bridging Finance Development Finance

I have worked in property and financial services for over 20 years and have personally arranged more than £1 billion of mortgage lending during my career. I set up ERG Finance with a simple aim: to provide good, straightforward mortgage advice with a genuinely personal service. I work with clients across all areas of mortgage finance, from residential mortgages and buy-to-let through to bridging, self-build, development finance and more complex high-value lending. A large part of my work involves cases that do not necessarily fit neatly with a high street lender. My approach is to understand the full picture, look at the options properly and find a solution that works for the client. For me, good mortgage advice is about much more than finding the lowest rate. It is about understanding what someone is trying to achieve, being available when needed and seeing the transaction through from the initial conversation to completion.

9.8 out of 10

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Jake Sumner

FCA Number: 1031872

Buy to Let Mortgages Commercial Mortgages Personal Protection

I help clients secure the right finance solutions, no matter how straightforward or complex their circumstances. I specialise in cases that require a bespoke approach, working with clients whose income, property portfolio, or financial situation falls outside standard lending criteria. I take pride in finding solutions where others may see obstacles. My expertise covers residential mortgages, buy-to-let, bridging finance, refurbishment projects, self-build, commercial finance, and tailored protection advice. Whether you're a first-time buyer, seasoned investor, developer, or business owner, I provide clear, practical guidance throughout the process.

9.8 out of 10

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Nathan Cole

FCA Number: 1031872

Mortgage Advice Bridging Finance Development Finance

As a whole-of-market mortgage broker, I can offer advice on products from both high street banks and UK lenders that don’t deal directly with the public, including private banks and specialist providers. Thanks to the strong relationships I've built over the years, I’m able to create tailored solutions for my clients, whether that means securing the most competitive rate or navigating more complex cases.