Business Details
11 Years
experience
Emergency
services
Trusted Mortgage and Protection Advisors in Sandbach
Established in 2015, we are a family-run mortgage advisory firm dedicated to transforming the home-buying experience. Our team of FCA-regulated professionals combines cutting-edge technology with a personal touch, offering flexible appointment times including evenings and weekends. We specialise in sourcing tailored mortgage solutions, protection policies, and home insurance for first-time buyers, home movers, and property investors. With a five-star rating and a commitment to fee-free advice (excluding Buy to Let), we prioritise transparency and client care.Our Cheshire-based office serves clients nationwide, maintaining the same high standards that earned us recognition as an appointed representative of HL Partnership Ltd. Through continuous market analysis and client feedback, we ensure our services evolve to meet changing needs while upholding our founding principles of integrity and exceptional service.
Services
Mortgages
Protection
Home Insurance
Remortgage
Buy to Let
Life Cover
Critical Illness
Income Protection
Details
- Year established: 2015
Highlights and features
- We offer 24/7 support with advisers available outside standard hours
- Our team holds FCA-regulated status through HL Partnership Ltd
- We provide fee-free mortgage advice (excluding Buy to Let)
- Five-star rated service with proven client satisfaction
- Personalised mortgage solutions tailored to individual circumstances
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Knowledgeable advisers
Responsive and supportive
Smooth process
Highly recommend
Services
Mortgage Advice
We provide comprehensive mortgage advisory services tailored to individual circumstances. Our FCA-regulated advisers help clients secure competitive rates for first-time purchases, home moves, and investment properties. With access to the entire market, we offer personalised guidance through every stage of the mortgage process.
Remortgage
Our remortgage specialists help clients secure better rates and terms for existing properties. We analyse current market conditions to identify optimal deals, handling all paperwork and negotiations while ensuring minimal disruption to clients' financial arrangements.
Protection Policies
We offer tailored protection solutions including life cover, critical illness, and income protection. Our advisers assess individual needs to recommend policies that safeguard against financial risks while ensuring compliance with mortgage requirements.
Home Insurance
We source comprehensive home insurance solutions through 5-star Defaqto-rated provider Paymentshield. Our services include buildings and contents insurance that meets lender requirements while providing adequate protection for clients' property investments.
Buy to Let
Specialist advice for property investors seeking buy-to-let mortgages. We navigate complex lending criteria to secure competitive rates, providing strategic guidance on portfolio management and investment growth opportunities.
People
Nick DSilva
Director
Co-founder with extensive mortgage industry experience, leading strategic direction while maintaining hands-on client involvement. Committed to ethical business practices and exceptional service standards since 2015.
Corrie DSilva
Director
Co-founder overseeing operational excellence, combining mortgage expertise with client care focus. Ensures team maintains high service standards while adapting to market changes and client needs.
Emilie Green
Mortgage Adviser
Experienced mortgage specialist with proven track record helping first-time buyers and remortgagers. Known for clear communication, thorough market analysis, and dedicated client support throughout the mortgage journey.
Niki Lamens
Mortgage Adviser
Award-winning adviser specialising in complex mortgage cases, offering expert guidance on competitive rate negotiations and tailored financial solutions for diverse client circumstances.
James Bradburn
Protection Adviser
Protection specialist with deep understanding of risk management strategies, helping clients secure appropriate coverage for life events while maintaining compliance with mortgage requirements.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, remortgages, buy-to-let investments, new build purchases, and debt consolidation solutions across Cheshire and nationwide.
Are your mortgage services fee-free?
Yes, we offer fee-free mortgage advice for all residential mortgages, though buy-to-let mortgages may incur standard industry fees as required by lenders.
How do you handle complex mortgage cases?
Our experienced advisers specialise in complex cases including self-employed applicants, adverse credit histories, and unique property types, leveraging extensive lender relationships to find suitable solutions.
Can you help with mortgage protection?
Yes, we provide comprehensive protection advice including life cover, critical illness insurance, and income protection policies tailored to mortgage requirements and personal circumstances.
Do you offer weekend appointments?
Yes, we provide flexible appointment times including evenings and weekends to accommodate clients' schedules, reflecting our commitment to accessible, client-focused service.
How are mortgage rates determined?
Mortgage rates depend on factors including loan-to-value ratio, credit history, income stability, and market conditions. Our advisers help clients understand these factors and secure optimal rates.
