Leadership & Profile
Institutional Wisdom. Unfiltered Integrity.
In2Equity Ltd was established in 2016 by Angel Thomas to deliver whole-of-market mortgage execution and protection advice with complete transparency.
Angel Thomas
Managing Director & Principal Adviser
-110+
Years Exp.
-5,477+
Cases
-429+
Lenders
23+ Years behind the underwriting desk
"Too much financial advice is buried under corporate waffle and hidden panels. At In2Equity, we tell clients the plain truth, run the honest numbers, and deliver solutions that stand up to rigorous underwriting."
Angel Thomas founded In2Equity Ltd in 2016 after more than two decades managing complex financial risk, underwriting parameters, and mortgage distribution across London and the South East.
Her deep fluency with high-street lenders, specialist building societies, and non-standard credit desks means In2Equity clients receive direct, practical guidance. If staying on your existing rate or choosing a product transfer is in your best interest, Angel will recommend it directly - no commissions or unnecessary churn.
Personal Accountability
Direct access to Angel Thomas for every client - no uncontactable call centres or automated queues.
Whole-of-Market Scope
Independent access to over 90 lenders, including exclusive specialist desk channels.
FCA Authorisation & Corporate Governance
In2Equity Ltd is committed to strict compliance, client money protection, and total regulatory clarity.
FCA Authorised
Authorised and regulated by the Financial Conduct Authority (Company Number: 09718370). Verify on the official register at register.fca.org.uk.
Transparent Fee Advice
Zero surprise charges. All advice fees are disclosed in writing upfront before any application is committed to a lender.
London Registered
Registered office situated at 190 High Street, London SE20 7QB. Serving London, Bromley, Croydon, Beckenham, and the South East.
Supporting families, retirees, and investors across South East London
Whether you are buying your first home in Beckenham, restructuring a property portfolio in Croydon, or navigating retirement interest-only options in Bromley, In2Equity provides high-calibre advisory backed by 23+ years of technical market mastery.
- First-time buyer guidance, deposit paper trails, and joint borrower arrangements
- Later life borrowing & Retirement Interest-Only (RIO) strategies for over-60s
- Complex adverse credit rehabilitation and high-income multiples (up to 5.5x-6x)
Later Life & Over-60 Mortgages
RIO loans & unencumbered capital release
First-Time Buyers & Families
Gifted deposits, JBSP & AIPs
Talk to Angel - free 30-minute review
No obligation, no jargon. We'll look at your numbers and tell you straight whether moving makes sense or you're better off staying put.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
190 High Street, London SE20 7QB