Business Details
23 Years
experience
Expert Mortgage Brokers in Denbigh & Conwy
D S Mortgages was founded in 2003 by David Schrimshaw, a financial services professional with over 37 years of industry experience. Our team combines decades of expertise from roles at major institutions like Alliance & Leicester and Barclays PLC to deliver tailored mortgage solutions. We specialise in navigating complex mortgage markets, offering clients access to a wide range of lenders and products. Our structured approach includes comprehensive financial reviews, customised strategy development, and ongoing support through application processes. We prioritise client protection by recommending appropriate mortgage and insurance products, including life and critical illness coverage.Our services extend beyond mortgages to include buildings and contents insurance, income protection, and payment protection policies. We operate under the Financial Conduct Authority's regulation, ensuring compliance with strict professional standards. Our team maintains strong relationships with lenders and estate agents, enabling efficient application processing. We provide transparent fee structures and disclose all commissions earned through mortgage recommendations. Regular reviews ensure clients' financial arrangements remain aligned with their evolving needs.
Services
First Time Buyer Mortgages
Remortgage Solutions
Buy to Let Financing
Buildings Insurance
Income Protection
Details
- Year established: 2003
Highlights and features
- We have over 37 years of combined experience in financial services
- Our consultants hold CeMAP professional qualifications
- We offer independent access to multiple lenders' products
- We maintain FCA-regulated compliance standards
- We provide comprehensive financial reviews and ongoing support
Associations and certifications
- Financial Conduct Authority (FCA)
Services
First Time Buyer Mortgages
We specialise in guiding first-time buyers through mortgage selection. Our experts analyse market options to find competitive rates while considering individual financial circumstances. Clients receive comprehensive advice on affordability assessments and application processes.
Remortgage Solutions
Our team helps homeowners secure better mortgage terms through remortgaging. We evaluate existing arrangements and identify opportunities for cost savings or equity release. Clients benefit from our lender relationships to expedite processing.
Buy to Let Financing
We provide tailored mortgage solutions for property investors. Our service includes portfolio analysis, cash flow projections, and identification of landlord-specific products. Clients receive guidance on tax implications and regulatory requirements.
Buildings Insurance
We recommend buildings insurance policies to protect property investments. Our advisors ensure appropriate coverage levels for structural elements while considering specific property risks. Clients benefit from competitive pricing through our insurance partners.
Income Protection
Our protection policies safeguard against income loss from illness or unemployment. We tailor coverage amounts and deferment periods to individual circumstances. Clients receive ongoing policy reviews to maintain adequate protection levels.
People
David Schrimshaw
Founder & Mortgage Consultant
With over 37 years in financial services, David established D S Mortgages in 2003. His experience includes mortgage underwriting at Alliance & Leicester and advisory roles at Money Supermarket. He holds the CeMAP professional qualification.
Philip Dineen
Mortgage Consultant
Philip joined in 2016, bringing 37 years of banking experience from Woolwich and Barclays PLC. He specialises in new business development across Conwy, maintaining CeMAP qualifications to ensure professional mortgage advice.
Nick Dineen
Operations Manager
Nick has managed administrative operations since 2016. With seven years in financial services, he oversees digital operations and coordinates partnerships with estate agents while handling secured loan underwriting processes.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer, remortgage, buy-to-let, and commercial mortgages. Our CeMAP-qualified advisors help clients choose suitable products from multiple lenders.
Are your mortgage services regulated?
Yes, we operate under Mortgage Intelligence Ltd's FCA authorisation (number 305330). This ensures our mortgage advice meets strict regulatory standards.
How do you charge for mortgage advice?
We may charge a transparent upfront fee or receive commission from lenders. All costs appear clearly in our mortgage illustrations before proceeding with applications.
Do you offer insurance products?
Yes, we provide buildings and contents insurance, income protection, and mortgage payment protection policies. These products complement mortgage arrangements for comprehensive financial security.
Can you help with urgent mortgage applications?
Our lender relationships enable expedited processing when needed. We advise on suitable fast-track options while maintaining thorough affordability assessments.
