Business Details
Your Trusted Mortgage Brokers in Warrington
Founded on a foundation of personal experience and professional expertise, Home Financial N W has become a trusted partner in mortgage advisory and insurance services. Our journey began with Ross, our director, whose background in the Royal Navy and extensive mortgage sector experience enables us to offer tailored solutions for diverse client needs. Having navigated personal financial challenges through critical illness cover, we understand the importance of protection and security in homeownership. Our team combines decades of collective experience with a commitment to customer service, reliability, and integrity. We specialise in first-time buyer mortgages, remortgaging, buy-to-let properties, and specialist mortgages for self-employed individuals and media professionals. Our FCA-authorised status ensures regulatory compliance while maintaining our focus on providing stress-free mortgage processes.Through continuous market analysis, we secure competitive deals while offering comprehensive protection packages including income protection and critical illness cover. Our approach prioritises clear communication, personalised guidance, and ongoing support throughout the mortgage lifecycle. With physical presence in Warrington and digital accessibility nationwide, we serve clients across various property markets. Our values drive every interaction, ensuring clients receive expert advice tailored to their unique circumstances. This combination of personal insight, professional expertise, and client-centric philosophy defines our approach to mortgage advisory services.
Services
Mortgage Advice
Insurance Services
First-time Buyer Mortgages
Remortgaging
Buy-to-let Mortgages
Highlights and features
- Award-winning mortgage advisory services with FCA-authorised expertise
- Specialist knowledge in self-employed and media professional mortgages
- Comprehensive protection packages including income and critical illness cover
- Personalised guidance through every mortgage lifecycle stage
- Proven track record with 100% client recommendation rate
Associations and certifications
- Financial Conduct Authority
What people say
Award-winning advice
Exceptional support
Stress-free process
Knowledgeable team
Highly recommend
Services
Mortgage Advice
Our expert mortgage advisory service provides tailored solutions for first-time buyers, home movers, and property investors. We specialise in navigating complex financial situations including self-employed mortgages and media professional requirements. Our FCA-authorised advisors offer comprehensive guidance through every stage of the mortgage process.
Remortgaging
We help clients optimise their mortgage arrangements by identifying better rates and terms. Our remortgaging service includes detailed market analysis and personalised recommendations to reduce monthly payments or access equity while maintaining financial stability.
Buy-to-let Mortgages
Our specialist buy-to-let mortgage service caters to property investors seeking competitive rates and flexible terms. We provide expert guidance on landlord-specific financial products and help maximise investment returns through strategic mortgage arrangements.
Income Protection
We offer comprehensive income protection policies to safeguard against financial hardship from unexpected life events. Our protection packages ensure mortgage payments remain covered during periods of illness, redundancy, or other unforeseen circumstances affecting income.
Critical Illness Cover
Our critical illness cover provides financial security against major health events that could impact mortgage repayments. This protection solution offers peace of mind by covering mortgage obligations during recovery periods from serious medical conditions.
People
Ross Jones
Director
With Royal Navy experience and mortgage sector expertise since 2013, Ross specialises in self-employed mortgages. His personal experience with critical illness cover informs our approach to financial protection. An Ironman triathlete, he balances family life with business leadership.
Lindsey Fernley
Mortgage & Protection Consultant
Bringing 20+ years of mortgage experience, Lindsey specialises in first-time buyer mortgages and mortgage reviews. Her background at high street banks and corporate estate agencies informs her client-focused approach to property financing solutions.
Amy Leitch
Mortgage and Protection Consultant
Qualified since 2016, Amy provides expert mortgage advice informed by international property experience in Dubai. Her customer-centric approach consistently delivers tailored solutions for diverse client needs across the mortgage lifecycle.
Chris Thorne
Mortgage and Protection Consultant
A fully CeMAP qualified advisor since 2017, Chris supports clients with mortgage arrangements while ensuring smooth service delivery. His sports enthusiasm parallels his commitment to achieving optimal mortgage outcomes for clients.
Questions
What mortgage services do you specialise in?
We specialise in first-time buyer mortgages, remortgaging, buy-to-let properties, and specialist mortgages for self-employed individuals and media professionals.
How do you support clients through the mortgage process?
We provide personalised guidance, clear communication, and ongoing support throughout the entire mortgage lifecycle, including assistance with protection packages.
What protection options are available?
We offer comprehensive protection packages including income protection, critical illness cover, redundancy protection, and home insurance solutions.
Are your mortgage advisors qualified?
Yes, our team includes FCA-authorised advisors with extensive experience in mortgage advisory services and financial protection.
How do you handle complex mortgage cases?
Our expertise in non-standard mortgages enables us to create tailored solutions for self-employed individuals and those with unique financial circumstances.
Reviews (4)
Jonathan White
Dec 22, 2021
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5 star isn't enough to say how Paul helped me and my family make this move, I work nights so Paul would work around my shift to accommodate me. Even texting at 2200hrs he would reply the same night. That's commitment to the customer. 10 out of 10 on all areas. I could of asked for a better advisor than Paul Critchley, you done me proud.
Katey Hassall
Dec 13, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Ross was absolutely brilliant! We have been kept in the loop every step of the way by him and his very proactive team! They have answered every question we had in full detail and gone above and beyond to secure us the best mortgage possible! Thank you so much Home Financial
Ross was absolutely brilliant! We have been kept in the loop every step of the way by him and his very proactive team! They have answered every question we had in full detail and gone above and beyond to secure us the best mortgage possible! Thank you so much Home Financial
Liam Davies
Dec 05, 2021
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I recently used Home Financial when buying my first home! They provide a very proactive and efficient service. I do and will continue to recommend them to anyone who is looking to buy a property
Andrew Wainwright
Nov 29, 2021
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Positive:Professionalism
We are accountants and have been that impressed with Ross and his team, we have now added them to our website as trusted partners!!! We do not do that lightly.
We are accountants and have been that impressed with Ross and his team, we have now added them to our website as trusted partners!!! We do not do that lightly.
