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.
Meet the team…
Connecting you with experts in financial advice.
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.
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.
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.
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.
Josh qualified as a Mortgage Adviser in 2013 after working for Santander for a short period, in back office mortgage processing. After spending 3 years working for a National Estate Agency chain in Sheffield, Josh moved back to his home county of Northamptonshire where he joined a local independent Estate Agents and continued offering Mortgage Advice to the home buyers of Northampton and surrounding areas for a further 3 years.
Joining DW Mortgage services in February 2020, Josh has continued to hone his knowledge around lender criteria – specialising in complex cases which require a keen eye for detail and good relationships with the Banks and Building Societies
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.
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.
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.
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.
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’.
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.
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.
Hayley has been in the mortgage industry since 2001. Having started her career working with Tim in his former business Hayley returned to join the DWIFA team in 2017 having had a brief spell working for a local building society.
Holding full CeMap qualifications Hayley is now Technical Assistant to Carly and provides valuable support to her on a daily basis.
In her spare time she enjoys time with her daughter, Art, DIY and taking care of her animals.
A few good words…
See what our amazing customers have to say about our services.
I have been really pleased with everything the Mortgage team has done for me – I will definitely recommend you to friends and familyMortgageDefinitely recommend
I wanted to express my gratitude towards you and your team for your expert advice regarding my remortgage. You were all utterly professional at a time where I was let down by others.Remortgage AdviceUtterly Professional
Thank you very much for the work on my mortgage. It's been a super smooth process and a world of difference compared to the pain of last year, your fee was worth every penny! BIG thanksMortgageSmooth Process
We were very apprehensive about getting onto the property ladder as I felt like our situation hindered us in regards to our jobs and other financial matters. However, you made us feel at ease and we personally felt like you went above and beyond for us to get us our mortgage, which we can’t thank you enough for.MortgageBuying Process
We have been so pleased with the service provided in setting up our Life Insurance and Critical Illness cover. For something that can seem a bit complicated, you took the time we needed to understand. You explained our options in a really clear way and had our best interests at the forefront of your recommendations. We pay very little a month for peace of mind for our young family.Insurance & ProtectionPeace of Mind
We are so grateful to the team for helping us on the right path at a time of great worry due to personal debt. We just wouldn’t have had the understanding to sort out our situation as simply as they did! They made the whole process seem straight-forward as they took all of the leg work away from us, and through consolidating our loans through our mortgage we are now on a great deal and worry free!MortgageSo Grateful
We have turned to DWIFA Mortgage & Insurance Services for over ten years – from helping us to set up our first ever mortgage, to house moves and re-mortgaging for home renovations, and have always been really impressed with the support and genuine advice each time, and most importantly the money they have saved us!MortgageGenuine Advice
Whilst we were dealing with Jason’s illness and his treatment, they took away all of our concerns over the claim and the hassle of trying to prove we were in the right. Without there help we would never have been able to get the money owed to us. Not only from a professional standpoint but also from a caring side of things they really went above and beyond and we cannot thank them enoughMortgage and InsuranceWent Above and Beyond
I have had extensive dealings with David Williams IFA Mortgage & Insurance services over the last 18 months especially as the first flat that I tried to buy fell through. They have an in-depth knowledge of the mortgage market and advise in a sensible and logical fashion. They are easy to contact and fit in around your schedule. They also help to guide the sale by liaising between the estate agents and solicitors. I have been hugely impressed with their professionalism and dedication to getting issues sorted. Not just would I use them again but I would have no qualms in recommending them to friends and familyMortgagesGetting Issues Sorted
What has been a difficult and stressful transaction, I doubt whether we could have seen it through without your tireless efforts on our behalf. You have always been ready with creative solutions to the various problems we have come across and you have spared no effort to put them into action. We particularly appreciate your answering calls and emails out of office hours and even when you were on holiday. We count ourselves fortunate to have had you as our advisers and would recommend you without hesitation to anyone wanting such advice in future.Insurance and ProtectionTireless Efforts
I just wanted to say “Thank You” once again for all your hard work and effort in helping to get my mortgage accepted earlier this week. I know it wasn’t easy, but thank you for your persistence and perseverance.Mortgage AcceptancePersistence and Perseverance.
Thank you so much. It has been a long process but now there.
Thank you for all you have done and would not hesitate to recommend you.Equity ReleaseThank You So Much
Thank you! I have been really pleased with everything the team has done for me – I will definitely recommend you to friends and familyEquity ReleaseReally Pleased
I wanted to send a quick email to express my gratitude towards you and your team for your expert advice. You were all utterly professional at a time where I was let down by others. You dealt with my case swiftly and efficiently and you gave me confidence at every stage. It's the first step to me being able to help my family to have a better way of living. It is just another job to you guys I am sure, but it's not lost on me how helpful you were and it's very much appreciatedEquity ReleaseSwiftly and Efficiently
Just want to say thank you for all of your help and support. We have been really pleased with everything from start to finish. Fantastic service all round.Equity ReleaseFantastic Service
We wanted to thank you for the exceptional work you have done on our behalf.Insurance & ProtectionExceptional Work
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