Business Details
Award-Winning Mortgage and Protection Advisers in Nantwich
Established over 35 years ago by the Watts family, our business has grown into a multi-award-winning mortgage and protection advisory firm serving clients across the UK. Based in Nantwich, Cheshire, we pride ourselves on our independence, which allows us to search over 100 lenders to secure the best mortgage and insurance deals for our clients. Our team of experienced professionals provides tailored support, from first-time buyers to complex commercial mortgages, ensuring each client receives dedicated, expert guidance. We specialise in non-standard mortgages, including regulated bridging loans, equity release, and self-employed lending, alongside comprehensive protection solutions for personal and business needs.As a family-run business, we treat our clients like extended family, offering a personal touch combined with industry expertise. Our long-standing relationships with leading lenders and underwriters enable us to deliver competitive rates even in challenging circumstances. We are committed to transparency, ethical advice, and ongoing client education, ensuring informed financial decisions. Our dedicated advisers support clients throughout the entire process, from initial consultation to claim management. With a focus on innovation and client satisfaction, we continue to evolve while maintaining the values that have defined us since 1988.
Services
Mortgages
Protection
Buy-to-let
Equity Release
Self-employed Mortgages
Regulated Bridging Loans
Life Insurance
Critical Illness Insurance
Income Protection
Specialist Cover
Highlights and features
- Over 35 years of experience in mortgage and protection advisory services
- Independent access to over 100 lenders for competitive market rates
- Dedicated advisers providing tailored support throughout the process
- Specialists in complex mortgages including self-employed and buy-to-let
- FCA regulated with a commitment to ethical, transparent advice
Associations and certifications
- Financial Conduct Authority
What people say
Stress free process
Expert advice
Superb knowledge
Fantastic service
Highly recommend
Services
Mortgages
We provide independent mortgage advice across the UK, specialising in first-time buyer schemes, buy-to-let portfolios, and complex cases involving self-employed income or adverse credit histories. Our advisers access over 100 lenders to secure competitive rates while explaining options clearly. With expertise in regulated bridging loans and equity release, we help clients achieve property goals through tailored financing solutions that adapt to changing circumstances.
Protection
Our protection services cover life insurance, critical illness cover, and income protection tailored to individual circumstances including pre-existing medical conditions or hazardous occupations. We create bespoke policies that safeguard families and businesses, with specialists handling complex cases involving doctors, pilots, or high-net-worth individuals. Regular policy reviews ensure ongoing relevance as clients' lives evolve over time.
Buy-to-let
Specialist buy-to-let mortgage solutions for landlords expanding property portfolios, including limited company structures and portfolio financing. We navigate complex income verification for multiple properties while securing competitive rates through relationships with specialist lenders. Our advice considers tax efficiency and long-term investment strategies to maximise returns for property investors across the UK.
Equity Release
Regulated equity release products for older borrowers seeking to access property wealth without relocating. We explain lifetime mortgage options and inheritance implications clearly, ensuring clients understand how releasing capital affects benefits or future care funding needs. Our advisers work with solicitors and accountants to provide holistic financial planning for retirement.
Regulated Bridging Loans
Fast-approval bridging loans for property transactions requiring urgent funding, such as auction purchases or chain breaks. We connect clients with specialist lenders offering competitive rates for secured short-term borrowing, with clear exit strategies to transition to long-term mortgages. Our expertise ensures timely completion while explaining risks associated with this high-cost product.
People
Andrew Watts
Managing Director
Third-generation mortgage expert leading strategic direction, Andrew combines family tradition with modern financial solutions. He oversees client relationships and lender partnerships, ensuring service excellence across all mortgage and wealth management activities.
Barry Jones
Director and Head of Financial Planning
Protection specialist with 25+ years' experience arranging life insurance for complex cases, including medical conditions and high-risk occupations. He leads our protection team in creating tailored policies that evolve with clients' changing needs.
Alistair Macarthur
Director of Mortgages
Mortgage strategist focusing on non-standard lending solutions, Alistair specialises in bridging loans, commercial mortgages, and high-value property financing. He ensures our advisers maintain technical expertise across evolving lending criteria.
Emma Patrick
Senior Mortgage Adviser
Award-winning adviser renowned for guiding first-time buyers through complex mortgage processes. Emma's client testimonials highlight exceptional communication skills and persistence in securing competitive deals for residential purchases.
Rachel Hopkins
Protection Administrator
Insurance case manager streamlining policy applications and claims processes, Rachel ensures efficient handling of protection products from initial quotation to policy issuance, maintaining direct client communication throughout.
Questions
What mortgage options exist for self-employed individuals?
We specialise in self-employed mortgages requiring alternative income verification, working with lenders who accept SA302 forms, account summaries, or contractor day rates.
Can I get life insurance with pre-existing medical conditions?
Yes, our protection team negotiates with insurers to secure coverage for clients with conditions like diabetes, heart issues, or mental health histories through specialist underwriting.
Do you offer equity release advice?
Yes, we provide regulated equity release advice explaining lifetime mortgage options, associated costs, and inheritance implications with referrals to specialist legal advisors.
What areas do you cover for mortgage advice?
While based in Nantwich, we provide mortgage advice to clients across the UK through face-to-face meetings, remote consultations, and online document verification.
How do regulated bridging loans work?
Regulated bridging loans provide short-term funding for property purchases needing quick completion, with clear repayment terms and FCA protections for residential borrowers.
What protection options exist for pilots?
We arrange pilot life insurance covering aviation-related risks, working with insurers who understand flight crew medical requirements and occupational hazards.
