Outstanding services for all your mortgage and protection needs
David Williams IFA Mortgage & Insurance services offers a one stop shop for all your mortgage and protection needs. The company was formed in 2012 through the amalgamation of Tim O’Neill and David Williams Independent Financial Advisors (DWIFA). The collaboration of the two has created a dynamic mortgage and protection brokerage with experienced advisors getting the best deals out there.
David Williams IFA Mortgage & Insurance services first started trading in early 2013 with Tim being Director and the sole Mortgage Advisor. In the space of just three years the company grew to include a team of four Mortgage Advisors and four support members of staff. This developed further when fellow Director Chris Peck came on board. The company has expanded so that Insurance and Protection is offered as part of its services, as well as a team which focuses on Equity Release clients.
We now have a highly experienced and professional team of 15 members of staff who cover all aspects of both mortgage and insurance protection options, always putting the needs of our clients at the centre of what we do.

Passionate about finding you the right solutions
- We listen and offer honest and expert advice
- We are passionate about finding you the right mortgage and protection solutions
- We take responsibility for our clients’ needs and objectives, because we care
- We make complicated processes easy
- We are friendly, professional and experienced
- We are Independent
Whether it is mortgage or protection related, we source deals from across the entire market and our expert Advisors seek out the most suitable one for you. We will always work to get you the best prices, with no additional premiums.

Ensuring a smooth, simple & hassle-free experience
All of your finances can be managed in harmony. Whatever we are organising for you, we ensure a smooth, simple and hassle-free experience. We do all of the research and groundwork so that you don’t have to, for example, liaising with solicitors, speaking with estate agents and assisting with legal paperwork.
We provide a personal service for each of our clients, many of whom have been with us for decades. The ongoing gratitude (link to testimonials) we receive shows that our clients really do value the proficient and caring service we provide that ensures the best result for them.

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Meet the team…
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Managing Director - Tim O'Neill
The world of financial planning first caught Tim’s interest when he joined the industry in 1988.
He soon set up his own business, Northampton Financial Services (NFS) in 1990 and successfully operated for over 20 years.
In 2013 Tim joined forces with David Williams IFA to form the new specialist Mortgage & Insurance company now known as David Williams IFA Mortgage & Insurances services Ltd.
With a wealth of experience, expertise and knowledge along with his strong local connections Tim has developed the company and allowed it to flourish and expand organically.
The company has subsequently grown from its origins of just a small staff force of three to a team now exceeding 20 members.
Tim puts the success and growth of the business down to having a loyal and supportive workforce, as well as them having the same attitude to hard work as he does. He further attributes the company success to his fellow director Chris, who has massively contributed towards driving the company forward with him combining the same ambition and dedication to his work to match his own.
He is proud to say that the team reflect his own work ethic and determination to meet their customers’ needs and always aim to provide the best possible levels of service .
Having always enjoyed working in a customer focused environment where he can really make a difference, it is no surprise that many of Tim’s clients have been with him for decades and value his personal approach and support.
Tim is Managing Director of DWifa Mortgage & Insurance Services, and also one of the principle mortgage advisors
Outside of work he enjoys Road cycling, weekend and theatre trips, travel, and spending time with family and friends.

Director - Chris Peck
Chris has over 25 years experience in the finance sector, having specialised in investments, mortgages, pensions, critical illness protection, as well as managing his own business for eight years.
Chris particularly enjoys building positive relationships with clients. He cares about what he does and enjoys saving people money. He is meticulous at ensuring claims are paid when people are going through difficult situations.
His career began at Barclaycard where he worked for seven years. He then went on to work for Lloyds/Black Horse Financial Services where he learned the ropes as an Adviser, working out of branches in Towcester, Daventry and Brackley where he became a Senior Consultant before moving to the largest branch in the area based in Northampton town centre advising business clients. He then worked for Forward Financial Planning which offered a different dynamic where he was able to nurture different contacts and understand the housing market. He went on to set up his own business which ran for eight years, as well as working with Oyster Wealth Management for six years.
Chris joined DW Mortgage Services in 2015 and has made a significant contribution to growing the business; driven by his high expectations and passion to develop areas such as life and critical illness protection.
He regularly involves the company in charity projects such as Macmillan fundraisers and sporting events; cycling himself from London to Paris as part of a charity bike ride.
In his personal life, Chris grew up in Nether Heyford where he played and managed Heyford Athletic FC for 20 years, also playing for the youth team, and still has strong ties with the community. Family is really important to him. As is his love of sport – he has enjoyed playing squash and has taken part in numerous half marathons as well as the New York marathon. In his spare time Chris likes to travel, play cricket and enjoys socialising with friends and family especially his young daughter Faith.

Office Manager - Annabel Smith
Annabel has been with the company since 2013 and previous to this had five years of experience in the industry working for both a building society and financial advisers. Annabel is technical assistant to both Tim and Carly to provide support on a daily basis as well as managing the overall running of the office.
In her spare time she enjoys having days out and socialising with friends and family.

Senior Mortgage Advisor - Carly Buck
Carly has been a qualified Independent Mortgage Broker since 2002, with full CeFa, CeMap advanced qualifications and has a degree in Behaviour Sciences, which she often finds useful in her current position.
Carly joined the team at DWIFA Mortgage Services in September 2014, and since joining is also qualified in Equity Release and Lifetime mortgages. Previously she has worked for an independent brokers, HSBC, and Nationwide. Outside of work, Carly loves to travel the world, and is kept very busy by her two children and husband.

Mortgage Advisor - Josh Evans
Bio to follow

Senior Insurance Advisor - Gareth Smith
Gareth joined the financial services arena in 2003, and joined DWIFA Mortgage Services in September 2017, having previously run his own insurance brokerage. He now heads up the insurance team as the senior insurance and protection adviser. Gareth has specialised in insurance and protection for over 10 years and brings a wealth of experience and expertise to this important field.
Outside of work Gareth enjoys spending treasured time with his wife to be and daughter, as well as projects in the garden.

Insurance Advisor - Andy Whitlock
Andy joined DWIFA Mortgage Services in September 2018 as part of the Protection Team. He has worked as an adviser in the insurance industry for over 10 years and has a deep understanding of insurer products and underwriting philosophy as well as a passion for providing sound advice in an area often overlooked in financial planning.

Training and Development Manager - Philippa Roberts
Philippa joined DWIFA Mortgage Services in January 2018 with 15 years financial services experience. Her most recent experience includes her role as a Mortgage Underwriter for Market Harborough Building Society. Philippa is also CeMap qualified.
Outside of work she enjoys going to the theatre, cooking, spinning classes and gardening.

Trainee Advisor - Ieva Ingram
Ieva joined DWIFA Mortgage Services in May 2018 as a Technical Assistant to Chris Peck. Previously she worked at Nationwide for nearly four years where she realised how much she enjoyed helping customers with their mortgages. She has a Joint Honours Bachelor degree in Economics and International development and full CeMAP qualifications.

Administrator - Lisa Russell
Lisa is a seasoned property professional, with more than 20 years of experience in lettings, estate agency and mortgage broking. She has worked in both London and Northampton and joined DWIFA Mortgage Services in May 2016, using her in-depth knowledge to provide support to the mortgage team. In her free time she enjoys mountain and road biking, marathon training and being a mother…. ‘If you want something doing quickly ask a busy person’.

Administrator - Nicola Brown
Nicola joined DWIFA Mortgage Services in February 2016 to provide administrative support to the entire mortgage team. She has previously worked in roles in insurance and financial services for national companies, and has seven years of experience in property lettings.

Technical Assistant - Katie Hammond-Kenyon
Katie joined DWIFA in April 2019, and is Technical Assistant to Josh Evans providing support on a daily basis.
She has gained valuable experience from working with all of the Mortgage Advisers at DWIFA Mortgage Services and continues to provide support to them when necessary.
Katie previously worked within the Financial Services department of a local Estate Agency as a mortgage and life protection administrator. She has also worked for a national Building Society dealing with all new mortgage Business.
Katie is proving to be an invaluable member of the team providing additional training and support to some of the new members of staff whilst also currently undertaking further learning and training herself on Lifetime & Equity Release Mortgages.
In her spare time she likes to explore new places and spend time with her friends and family.

Technical Assistant - Hayley Smith
Bio to follow

Senior Insurance Technical Assistant - Zara Singleton
Bio to follow
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