Business Details
23 Years
experience
Expert Mortgage Brokers in Denbigh & Conwy
Established in 2003 by David Schrimshaw, D S Mortgages has built a reputation for delivering tailored mortgage and insurance solutions across Denbighshire and Conwy. With over 37 years of industry experience, our team combines deep expertise in financial services, including roles at Alliance & Leicester and Money Supermarket, to provide clients with informed, duty-bound advice. We prioritise client protection through rigorous mortgage suitability assessments and offer comprehensive insurance products, including life, critical illness, and payment protection. Our disciplined approach encompasses initial financial reviews, goal setting, market analysis, and ongoing policy reviews to ensure long-term suitability. As an Appointed Representative of Mortgage Intelligence Ltd, authorised by the Financial Conduct Authority, we maintain strict regulatory compliance while offering transparent fee structures and commission disclosures.Our expansion in 2016 with Philip Dineen and Nicholas Dineen enhanced our capacity to serve clients across North Wales, supported by partnerships with local estate agents like Fletcher and Poole. We specialise in navigating complex mortgage criteria, including post-Mortgage Market Review affordability checks, to secure timely lender approvals. Our services extend beyond mortgages to integrated insurance solutions, ensuring holistic financial protection for clients. With a focus on professional integrity and client-centric outcomes, we provide formal complaint resolution processes and maintain affiliations with trusted regulatory bodies. Our commitment to excellence has solidified our position as a trusted advisor in the mortgage and insurance sectors for over two decades.
Services
First Time Buyer Mortgages
Remortgage Services
Moving Home Mortgages
Buy to Let Mortgages
Buildings Insurance
Contents Insurance
Income Protection
Mortgage Payment Protection
Life Insurance
Critical Illness Cover
Details
- Year established: 2003
Highlights and features
- We have over 37 years of combined experience in financial services and mortgage brokering.
- Our consultants hold CeMAP qualifications and operate under FCA regulatory oversight.
- We provide comprehensive mortgage and insurance solutions tailored to individual circumstances.
- We maintain formal complaint resolution processes for client protection.
- Our team has specialist knowledge of evolving mortgage market regulations and lender criteria.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
First Time Buyer Mortgages
Specialist mortgage solutions for first-time purchasers navigating property acquisition. We provide tailored advice on eligibility criteria, deposit requirements, and competitive rate negotiations with lenders. Our service includes affordability assessments and guidance through government schemes to ensure sustainable homeownership.
Remortgage Services
Expert remortgaging assistance to secure better rates or release equity. We analyse existing mortgage terms, assess market options, and facilitate seamless transitions while considering exit fees and new lender conditions. Our process ensures optimal financial outcomes aligned with changing client circumstances.
Buy to Let Mortgages
Tailored financing solutions for property investors seeking rental income. We specialise in landlord-specific mortgage products, tax-efficient structures, and portfolio management strategies. Our service includes cashflow analysis and lender selection for both novice and experienced property investors.
Income Protection
Comprehensive coverage against income loss due to illness or unemployment. We design policies with flexible terms, waiting periods, and benefit durations to match individual employment situations and financial commitments, ensuring financial stability during unforeseen circumstances.
Critical Illness Cover
Financial protection against major health events including cancer, heart attacks, and strokes. We provide policy comparisons with varying coverage levels and exclusions, ensuring clients select appropriate protection to maintain mortgage payments and living expenses during recovery periods.
People
David Schrimshaw
Founder & Mortgage Consultant
With over 37 years in financial services, including roles at Alliance & Leicester and Money Supermarket, David established D S Mortgages in 2003 to provide expert mortgage advice. His extensive industry knowledge ensures clients receive informed, duty-bound guidance tailored to their specific needs.
Philip Dineen
Mortgage Consultant
Bringing 37 years of banking experience from Woolwich and Barclays PLC, Philip joined D S Mortgages in 2016. His expertise in mortgage consultancy and branch management enhances our capacity to deliver comprehensive financial solutions to clients across Conwy and surrounding areas.
Nicholas Dineen
Administration Manager
Managing D S Mortgages' digital operations since 2016, Nicholas has seven years of financial services experience including lending underwriting and complaint auditing. His technical expertise ensures efficient online service delivery and maintains our partnership with North Wales estate agents.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, including government-backed schemes. Our advisors help navigate deposit requirements, affordability checks, and lender selection to ensure sustainable homeownership.
How can remortgaging benefit me?
Remortgaging can reduce monthly payments, release equity, or consolidate debt. We analyse your current mortgage terms and market options to secure better rates while considering exit fees and new lender conditions.
What insurance products do you recommend with mortgages?
We advise on buildings and contents insurance, income protection, and critical illness cover. These products protect your property investment and ensure mortgage payments continue during unforeseen circumstances like redundancy or health issues.
Are your mortgage advisory fees transparent?
Yes, we provide clear fee disclosures upfront. Charges may include one-off fees or commissions from lenders, all detailed in our mortgage illustrations to ensure complete transparency about our compensation structure.
How do you handle mortgage applications with complex criteria?
We specialise in navigating post-Mortgage Market Review regulations, including affordability assessments for rate rises. Our lender relationships help expedite applications by matching your circumstances to specific lender criteria for faster approvals.
What areas do you serve?
Primarily operating from Denbigh and Conwy offices, we serve clients across Denbighshire, Conwy, and North Wales. Our services extend to supporting local property transactions through partnerships with estate agents like Fletcher and Poole.
