Testmonials
"The process was smooth and stress-free, thanks to Sekkappan’s clear communication and expert advice."
Luton (Bedfordshire)
First-time buyer
"Sekkappan and his team have been remarkable. Their service, advice, and support have always been consistent."
Middlesex
Remortgage client
"We were first-time buyers with no idea where to start. Sekkappan made the whole process easy and explained everything clearly."
Harrow
First-time buyer
"Sekkappan is very friendly, approachable, and professional. He listened to what we wanted and found us the best deal possible."
Worcestershire
Mortgage renewal client
"His service has always been first class, and I wouldn't go anywhere else for mortgage advice."
Guildford
Buy-to-let landlord
"Sekkappan and his staff helped greatly in securing the best rates for me."
Guildford
Buy-to-let landlord
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Our Story
Sekkappan Alagu, the founder of Nachu Finance, was born and raised in Chennai, India. He spent his early years in the bustling city until a new chapter of his life led him to London. Armed with an MBA from the overseas campus of the University of Lincolnshire and Humberside in 1997, Sekkappan devoted the next eight years to education and career counselling, journalism, publishing, and marketing.
Upon moving to London, Sekkappan developed a keen interest in the UK’s dynamic property market. His journey to homeownership, however, began with a less-than-ideal experience when he met with a mortgage adviser.
While the encounter fell short of his expectations, it sparked a realisation: Sekkappan knew he could offer a better, more transparent service. That moment ignited his path into mortgage and financial advice.
After successfully completing his qualification exams in a very short time, Nachu Finance was officially born on 26th September 2006, fittingly on the 2nd birthday of his daughter, Nachammai. The name “Nachu” is a nod to both his family and heritage, drawn from his daughter’s name and their native village, Nachiapuram.
In the early years, Nachu Finance operated as a sole trader firm and was an appointed representative of an FCA (then referred to as FSA) regulated network. The business was run from the 2nd bedroom of Sekkappan’s home, with the able support of his wife, Uma, whenever needed.
By 2011, Nachu Finance moved into a serviced office in Stanmore, allowing the business to expand and build a strong administrative team. Today, the team consists of 4 full-time members (including Sekkappan) and 2 part-time members, all dedicated to ensuring the smooth running of the business and delivering exceptional client service. In 2013, Nachu Finance transitioned into a Ltd company that is directly authorised by the FCA.
Fun Fact
Our second daughter, Nandini, did feel it was a bit unfair that the business was named after her sister! So, when the time came to channel the family’s property investments into a limited company, it only made sense to name it after her. And that’s how Nandini Estates Ltd was born!
Rima, who has been part of Nachu Finance for almost 10 years now, often jokes that we missed a trick and should have named our second daughter “Finance!”
At Nachu Finance, transparency is at the core of everything we do. We understand that property and the associated finances are among the most important decisions a family can make—if not the most important. We are honoured by the opportunity to serve our clients in this crucial area, and this sense of responsibility drives us to go the extra mile with pride and dedication.
Our advice and service are designed to be second to none, ensuring that our clients never feel dissatisfied or unsupported. After all, we want to avoid the situation where potential clients become mortgage advisers themselves just to receive the service they deserve!
We always put ourselves in our clients’ shoes. By thinking about what we would expect if we were in their position, we continuously shape and refine our services to meet those expectations, delivering a personalised, client-first experience.
- Helping clients get back on track: We’ve moved clients to more competitive rates and lenders, especially those who were previously tied to specialist lenders or products due to past credit issues or challenges.
- Complex mortgage applications: We have successfully arranged mortgages for clients whose applications had been repeatedly rejected due to the complexity of their circumstances, ensuring they could finally secure the home they wanted.
- Challenging properties: We arranged mortgages on complex and less lender-friendly properties, overcoming obstacles to make the deal happen.
- Energy efficiency education: We actively educate clients on how to make their properties more energy efficient, providing them with long-term savings and a more sustainable lifestyle.
- Best practices: We share best practices with our clients, offering insights and advice that help them make informed decisions regarding property, finance, and beyond.
- Life insurance for those with health issues: Our team has arranged competitively priced life insurance for clients with less-than-perfect health, giving them peace of mind at affordable rates.
- Multiple residential mortgages: We helped a high-income couple secure three legitimate residential mortgages, ensuring their goals were met with transparency and compliance.
- Stopping repossessions: We have successfully intervened to stop repossessions by mortgage lenders, arranging finances in quick time to protect our clients’ homes.
- Investor transactions: Our team arranged finance for investors to purchase properties in competitive, time-sensitive situations, giving them the edge needed to close deals swiftly.
- Inheritance tax solutions: We’ve developed complex solutions to help clients mitigate inheritance tax while maintaining control over their assets, ensuring their wealth is passed on efficiently without undue compromise.
- Pro bono probate work: In response to the Covid pandemic, we provided pro bono support for families who tragically lost their sole breadwinners. We assisted with obtaining probate, ensuring they were taken care of during an incredibly difficult time.
Our Transparency Promise
Help us help you
To remain fully compliant with regulations and lender requirements, and to protect your future, we may ask for more documents and information than some other advisers. This ensures that your mortgage or financial product is secure, meets all criteria, and avoids any potential roadblocks down the line.
This note serves as a heads-up on what to expect, along with the reasons why we are requesting the same. Our ultimate goal is to provide a service that gives you peace of mind, knowing that every detail has been taken care of with your best interests at heart.
Ready to Secure Your Financial Future?
At Nachu Finance, we understand that every client’s needs are unique. With over 18 years of experience, a transparent approach, and tailored advice, we’re here to help you achieve your goals—whether it’s securing a mortgage, protecting your family, or planning your estate.
Get in touch today to start your journey with us. Our team is ready to provide expert, whole-of-market advice to ensure the best outcome for you
