About APT Financial Management

Established in 2002, Apt Financial Management has built a reputation for offering high quality independent financial and mortgage advice.

More recently Richard has developed our independent mortgage planning proposition in conjunction with John German to offer a unique combination of mortgage advice supported with independent financial planning.

We believe that our complete financial planning service is key to ensure that our clients, whether purchasing or re-mortgaging their home have considered their overall financial requirements and that the most appropriate advice is provided.

Richard Lester – Independent Mortgage Advisor

Our mortgage specialist, Richard Lester, has 18 years' experience in Financial Services, with 16 of those in the mortgage market. Richard has worked at director level at large mortgage brokerages in the East Midlands and takes the view that clients need to be guided through the minefield that is the mortgage market.

Paul Toon - Independent Financial Advisor

Drawing on over 24 years' experience in financial services, Paul specialises in investment and retirement planning.

Having worked for some of the UK’s largest insurance companies, banks and building societies, Paul set up his own financial planning practice to provide clients with the best possible independent financial advice.

A client of John German and APT has commented: "I just wanted to say thank you for everything you have done for me. You have delivered a first class service which has been second to none. You are quick, efficient and will go above and beyond to ensure everything runs smoothly and I would sincerely like to thank you for that. I most definitely will recommend you to anyone requiring financial advice."

For further enquiries

Please contact us via the online form provided, adding the following information in the Message section:

  • Purpose of Enquiry (First Time Buyer / Home Mover / RE-mortgage / Buy To Let)
  • Loan amount required
  • Any other information you may deem necessary

Click here for our Stamp Duty Calculator.

Click here for our Mortgage Calculator.


"I've used John German Estate Agents for three house sales now, each time I feel they have worked hard to secure a sale quickly and negotiated on our behalf with a view to achieving a good sale price. Very happy with the service."
Mr H - Happy Client

How much is your home worth?

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Local Information

Local Area Information

Since 1840 John German Estate Agents have been providing people across the Midlands with a professional, efficient and friendly way to buy, sell, let and rent their properties. We continue to build upon an excellent reputation by carefully blending traditional values and local knowledge with 21st century technology.

Local Area Information