Outstanding services for all your mortgage and protection needs
David Williams IFA Mortgage & Insurance Services provides a comprehensive, one‑stop solution for all your mortgage, protection, and equity release needs.
The business was established in 2012 following the merger of two respected firms: Tim O’Neill, trading as Northampton Financial Services (NFS), and David Williams Independent Financial Advisors (DWIFA). This collaboration brought together extensive industry expertise and created a dynamic, client‑focused mortgage and protection brokerage.
Trading began in early 2013, with Tim O’Neill acting as both Managing Director and the company’s sole Mortgage Advisor. Since then, the firm has grown significantly. Today, the team includes:
- Three experienced Mortgage Advisors
- A dedicated Personal & Business Protection Advisor
- A specialist Equity Release / Lifetime Mortgage Advisor
- Seven highly skilled Technical Administrators providing essential support to our advisers
This expansion allows us to offer tailored advice across a wide range of client needs—from first‑time buyers and home movers to business owners, families, portfolio landlords and clients planning for or entering retirement.
Our commitment remains unchanged: delivering high‑quality, professional advice with a genuine focus on putting our clients at the centre of everything we do. We pride ourselves on offering clear guidance, exceptional service, and access to the most competitive products on the market available.
Passionate about finding you the right solutions
We can help you with your Mortgage, Equity Release, and Insurance & Protection.
I Need Advice
- 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 we receive shows that our clients really do value the proficient and caring service we provide that ensures the best result for them.
Looking for expert advice?
Contact us today for advice and guidance from our team of mortgage specialists.
Meet the team…
Connecting you with experts in financial advice.
Tim O'Neill
Managing Director
Tim’s work as both a financial advisor and more predominantly as mortgage advisor spans four decades since entering the industry in 1988.
He set up his first practice, Northampton Financial Services (NFS) in 1990 and successfully operated for over 20 years.
In 2013 Tim joined forces with David Williams IFA to create the new specialist Mortgage & Insurance company, David Williams IFA Mortgage & Insurances services Ltd.
With a wealth of experience, knowledge, and expertise, along with his strong local connections Tim has developed the company and allowed it to flourish and expand organically.
The company now employs a vibrant and experienced team of 12 within the David Williams offices.
Tim puts the success and growth of the business down to many hours of hard work as well having a loyal and supportive workforce.
He is proud to say his team reflect his own work ethic and determination to meet our 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 and Equity Release (Lifetime mortgage) advisors.
Outside of work he enjoys Road cycling, weekend and theatre trips, travel, and spending time with family and friends.
Annabel Smith
Operations Manager
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 the technical assistant to both Tim and Martin providing 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.
Martin Kelly
Senior Mortgage Advisor
Martin joined the DWIFA team in 2020 having worked in the Financial Services industry since 2010.
His diverse skill set started within the Insurance and Protection market, moving into estate planning a few years later. He has been CeMAP qualified since completing his studies in 2015, and shortly afterwards he completed his CeRER qualification in Equity Release (Later Life Lending).
Martin has a broad knowledge across all mortgage subjects and specialises in Government Schemes, Buy to Let lending and Adverse Credit mortgages.
Outside of work Martin enjoys playing golf and spending time with his fiancé and young daughter, Isla.
James Nolan
Mortgage Advisor
James graduated from the University of East Anglia in 2013 and has built a successful career in financial services ever since. He began his journey at a national building society, gaining valuable experience in various roles. In 2016, he earned his Certification in Mortgage Advice, which led him to transition to an estate agency where he could offer more comprehensive advice to clients.
With expertise across all areas of mortgage services, James is well-equipped to provide tailored guidance and advice to his clients. James joined the team in April 2024.
Outside of work, he enjoys spending time with his growing family, especially after the arrival of his son earlier this year.
Ash Fhalora
Protection Advisor
Ash’s job is to find the best specialist cover for homeowners taking out mortgages or insurance. Everyone is treated uniquely with Ash, who has a knack for making people feel comfortable and listened to from the outset.
He gets to know the reason behind why people take out insurance and uses his 20+ years knowledge in the industry to source the right level of financial cover so that loved ones are left protected.
Lisa Jameson
PMI Advisor and Protection Technical Assistant
Lisa joined the company in October 2023, having had 17 years of experience in the financial services sector, where she achieved her certificate in financial services. Lisa recently passed her R05 exam in financial protection and is keen to progress her studies further. She currently works in the protection team as a technical assistant to Gareth Smith.
Outside of work, Lisa enjoys spending time with her family and supporting her favourite football team “Leicester City”.
Hayley Smith
Mortgage Technical Assistant
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 Martin and provides valuable support to him on a daily basis.
In her spare time she enjoys time with her daughter, Art, DIY and taking care of her animals.
Katie Jackman
Mortgage Technical Assistant
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 has achieved her full CeMAP qualification.
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.
Ieva Ingram
Mortgage Technical Assistant
Ieva joined DWIFA Mortgage & Insurance Services in May 2018 as a Technical Assistant. She previously worked for a large building society for almost four years where she recognised her enjoyment for helping clients with their mortgage requirements.
Ieva has a Joint Honours Bachelor’s degree in Economics and International Development, and also holds the full CeMAP mortgage industry recognised qualification. Outside of work, Ieva enjoys spending days out with her family, socialising, reading, and cooking.
Georgia West
Mortgage Technical Assistant
Having gained valuable experience in the industry working with another local Mortgage Intermediary firm since 2016, Georgia felt the time was right to further her career progression when she joined our DWIFA Mortgage team in early 2022. Georgia now works with us as a Technical Assistant to Josh Evans.
In her spare time, Georgia enjoys eating out, travelling, and spending time outdoors.
Merrylyn Biag
Mortgage Technical Assistant
Merrylyn joined David Williams IFA Mortgage & Insurance Services in August 2022, having previously worked for 5 years within the financial services industry. Merrylyn enjoys spending her spare time with her family and going on road trips.
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