Business Details
37 Years
experience
Expert Mortgage Advisers in South Yorkshire, Cheshire & Manchester
Established in 1989, we are a team of fully qualified mortgage advisers with over 35 years of combined experience in the financial industry. Our expertise spans banking, estate agency, and independent financial services, enabling us to offer tailored mortgage solutions and protection advice. We pride ourselves on guiding clients through the entire mortgage process with transparency, ensuring they receive competitive interest rates and products suited to their unique circumstances. Our team has navigated multiple financial cycles, providing us with deep insights into lender criteria and risk management. We prioritise long-term client relationships, delivering 5-star service through personalised advice and a commitment to simplifying complex mortgage processes.As part of The Openwork Partnership, one of the UK's largest financial advice networks, we maintain rigorous professional standards while offering nationwide support. Our advisers hold advanced qualifications, including CeMAP, DipMAP, and CeRER, ensuring expertise in areas like equity release and complex credit scenarios. We serve clients across South Yorkshire, Cheshire, Manchester, and Leeds, with a focus on building trust through consistent communication and ethical practices. Our mission is to make mortgage advice accessible, empowering clients to make informed decisions that align with their financial goals.
Services
Mortgage Advice
Protection Insurance
Equity Release
Insurance Solutions
Financial Planning
Details
- Year established: 1989
Highlights and features
- We have 35+ years of combined experience in mortgage advisory services.
- Our team holds advanced qualifications including CeMAP, DipMAP, and CeRER.
- We specialise in complex credit scenarios and equity release mortgages.
- We maintain long-term relationships with major lenders and financial institutions.
- Our 5-star service prioritises transparency and client education.
Associations and certifications
- Financial Conduct Authority
What people say
Expert advice
Excellent customer service
Transparent process
Competitive rates
Long-term support
Services
Mortgage Advice
We provide tailored mortgage advisory services, helping clients secure competitive rates and products suited to their financial circumstances. Our advisers assess individual needs, navigate lender criteria, and guide clients through the application process. With expertise in first-time buyer mortgages, remortgaging, and buy-to-let options, we ensure informed decision-making and long-term financial stability.
Protection Insurance
Our protection insurance services safeguard clients against financial risks, including life assurance, critical illness cover, and income protection. We tailor policies to individual needs, ensuring coverage aligns with mortgage obligations and family requirements. Our specialists provide clear explanations of policy terms and benefits, helping clients choose the right protection for their circumstances.
Equity Release
We offer expert equity release advice, enabling homeowners to access property wealth without selling. Our specialists explain lifetime mortgages and home reversion plans, ensuring clients understand implications and alternatives. We prioritise affordability assessments and regulatory compliance, providing clear guidance to support informed retirement planning.
Insurance Solutions
We provide comprehensive insurance solutions, including buildings, contents, and landlord insurance. Our advisers help clients select appropriate coverage levels, navigate policy terms, and identify cost-saving opportunities. We ensure protection aligns with mortgage requirements and personal asset values, offering ongoing support for policy adjustments.
Financial Planning
Our financial planning services integrate mortgage and insurance strategies to support long-term goals. We assess clients' financial situations, recommend investment vehicles, and create actionable plans for debt management and retirement. Our holistic approach ensures alignment between property investments and overall financial objectives.
People
Joe Childes
Senior Mortgage Adviser
CeMAP and CeRER qualified adviser with over 20 years in banking and mortgage sectors. Winner of the 2016 British Mortgage Award for Best General Insurance Broker, specialising in client relationship management.
Stephanie Seddon
Senior Mortgage Adviser
DipMAP and CeRER qualified expert in equity release mortgages. Finalist in the 2019 British Mortgage Awards for Best Broker, Complex Credit, with extensive team leadership experience.
Nathan Oxendale
Mortgage Adviser
Former banking industry professional with 20+ years customer service experience. CeMAP qualified adviser prioritising client relationships and tailored mortgage solutions.
Ric Effio
Senior Mortgage Adviser
Over 10 years mortgage advisory experience, transitioning from branch banking. Specialises in Greater Manchester property markets and protection solutions for residential clients.
James Rogerson
Protection Adviser
17-year protection insurance specialist with expertise in mortgage-related policies. Focuses on bespoke family and business protection solutions, combining compassion with technical knowledge.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, equity release, and commercial mortgages, tailored to individual financial circumstances.
Are your advisers qualified?
Yes, our team holds advanced qualifications including CeMAP, DipMAP, and CeRER, ensuring expertise in all mortgage and insurance areas.
Do you offer protection insurance?
Yes, we provide life assurance, critical illness cover, income protection, and tailored insurance solutions aligned with mortgage requirements.
How do you charge for mortgage advice?
Our fees are transparent and competitive, with options including upfront fees, lender commissions, or a combination, explained clearly during initial consultations.
Can you help with complex credit situations?
Yes, we specialise in complex credit scenarios, offering solutions for clients with adverse credit histories or non-standard income sources.
What areas do you cover?
We operate nationwide with physical offices in Rotherham, Cheshire, Manchester, and Leeds, serving clients across the UK.
