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 17 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 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
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 Peck
Director
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 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.
Josh Evans
Senior Mortgage Advisor
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
Martin Kelly
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.
John Hambridge
Senior Protection Advisor
Bio coming soon
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.
Zara Singleton
Senior Protection Technical Assistant
Zara joined DWIFA Mortgage & Insurance services in May 2019 to support Gareth as Senior Technical Assistant, having previously worked for 12 years within the financial services industry. Zara achieved a merit in the industry recognised CeMAP qualification in January 2019.
Lisa Jameson
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.
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.
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.
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.
Maxine Dickens
Mortgage Administrator
Maxine joined David Williams IFA Mortgage & Insurance Services in April 2024, having previously worked for over 10 years within the property industry in a sales and financial capacity. She has many years of experience in providing an exceptionally high level of customer service in both public and private sectors and prides herself on being able to help clients with their mortgage requirements to achieve a successful outcome. Maxine is a busy mum of three boys. In her free time she enjoys going to the gym and keeping fit, and taking her children on holidays abroad.
Kellie Mann
Mortgage Administrator
Kellie joined David Williams IFA Mortgage & Insurance Services Ltd in January 2026 as a Protection Administrator, having previously worked for nine years as a Supplier Relationship Advisor. She has extensive experience in managing client relationships and providing a high level of support behind the scenes, ensuring processes run smoothly and efficiently. Kellie is a busy mum and enjoys spending quality time with her daughters, family, and friends.
Sarah Hardcastle
Mortgage Administrator
Having joined David Williams IFA Mortgage and Insurance Services Ltd in February 2026, Sarah previously spent five years working in conveyancing, building strong experience in guiding clients through the property process. After a few years living in Australia Sarah returned to the industry and moved into the mortgage side of property. Her conveyancing background gives her a solid understanding of the full transaction journey, allowing her to support clients with both their financing and the wider moving process.
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