Protect your family and your lifestyle in case of the unexpected


Looking to move home or reduce your current mortgage outlay?

Retirement Planning

We can help you plan by ensuring you have the best pension scheme possible now and at retirement


With so many choices, leave it to us to help make your money work harder for you.


We can support your business development plans with advice on growth, restructure and commercial lending

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

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Gary Cosgrove

Gary is our Corporate Lending and Protection Specialist and has worked as an mortgage, protection and business adviser for over 25 years. One of Gary's key objectives is to ensure that you are able to obtain a home (mortgage advice), retain your home in the event of illness or sudden death (protection advice) and maintain your home should something unexpected happen (general insurance advice).

Gary specialises in Residential & Business mortgagesCommercial lending and Protection (Business & Personal insurance services). 

In addition, Gary is able to offer advice to businesses on refinancing, factoring, invoice discounting and business restructuring.

Professional Qualifications

  • CeMAP – Certificate in Mortgage Advice
    and Practice (IFS)
  • FPC1 Financial Planning Certificate
  • FPC3 Financial Planning Certificate


  • 25+ years of experience in Financial Services

  Specific Skills

*These products/services are not regulated by the FCA but we can introduce you to a master broker and do not offer advice in this area.

** These products/services are not regulated by the FCA and are not part of the services or products provided by or the responsibility of Intrinsic. 


We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

Dani & Geoff, Stratford upon Avon

The company is first class, discriminating, intelligent, utterly trustworthy and dependable

Maurice, Swansea, March 2017

Daniel never let up and his tenacity was commendable. I was kept informed of our mortgage progress at every stage.

Louise, Swansea

Thank you for putting together an investment portfolio of cash, stocks, shares and property.

Geff, Newport

Gary provided excellent advice and assistance with a complex purchase. He understood the timescales and sourced lending when others could not.

James, Swansea

Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!

Dr Brazier, Liverpool, Sept.2016

It was so nice to find someone who was happy to listen to all of my questions and concerns before we agreed on a plan of action.

Christine, Swansea

Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable

Steve Allan March 2018

My critical illness policy covers everything I need and took into account my lifestyle and income - thank you!.

Teresa, Llanelli

We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

Dani & Geoff, Stratford upon Avon

I had the best possible products tailored for me. I appreciate how much time you have saved me.

Karen, London

Get all of your questions answered by our experts - call us or complete our online enquiry form to arrange your meeting. The first meeting is at our expense and without any obligation

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