Business Details
23 Years
experience
Trusted Mortgage Brokers in Denbigh & Conwy
D S Mortgages was founded by David Schrimshaw in 2003 with a commitment to providing tailored mortgage advice. Over the years, we expanded our expertise, welcoming Philip Dineen in 2016 to focus on new business in the Conwy area and Nicholas Dineen to manage administration and digital development. Our team brings over 37 years of combined experience in financial services, including roles as lending underwriters and mortgage consultants. We prioritise understanding client needs through a structured process: initial review, goal setting, research, tailored recommendations, implementation, and regular reviews. Our duty of care ensures we recommend suitable mortgages, backed by formal complaint procedures. We are qualified professionals regulated by the Financial Conduct Authority, offering access to a wide range of lenders and products.Our service extends beyond mortgages, including life insurance, payment protection, and buildings and contents insurance to safeguard clients against unforeseen events. Transparency is key, with clear communication of fees and commissions outlined in mortgage illustrations. Our deep industry knowledge helps navigate tightened mortgage criteria, ensuring efficient application processing. We believe in the value of expert advice, helping clients avoid the pitfalls of choosing mortgages based solely on superficial factors like the lowest rate. Our approach combines professional expertise with a commitment to long-term client relationships.
Services
First Time Buyer Mortgages
Remortgage Services
Moving Home Mortgages
Buy to Let Mortgages
Buildings & Contents Insurance
Income Protection
Mortgage Payment Protection
Life & Critical Illness Insurance
Details
- Year established: 2003
Highlights and features
- We have a duty of care to recommend suitable mortgages with formal complaint procedures.
- Our consultants hold CeMap qualifications and over 37 years of financial services experience.
- We provide access to a wide range of lenders and products, not restricted to single providers.
- We offer comprehensive protection services, including life insurance and payment protection.
- Our transparent fee structure and commission details are clearly outlined in mortgage illustrations.
Services
First Time Buyer Mortgages
We specialise in guiding first-time buyers through mortgage options, ensuring affordability assessments and access to competitive rates. Our process includes reviewing financial circumstances, identifying suitable lenders, and providing tailored recommendations to secure homeownership.
Remortgage Services
Our remortgage service helps clients reduce monthly payments, release equity, or adjust terms. We analyse market rates, assess eligibility, and negotiate with lenders to secure optimal deals while ensuring compliance with current regulations.
Buy to Let Mortgages
We assist property investors in securing buy-to-let mortgages with competitive terms. Our advice covers portfolio management, tax implications, and landlord insurance to maximise returns while mitigating risks associated with rental properties.
Buildings & Contents Insurance
We provide comprehensive insurance solutions to protect property investments. Our policies cover structural damage, theft, and accidental loss, ensuring clients maintain financial security against unforeseen events affecting their homes or rental properties.
Life & Critical Illness Insurance
Our life and critical illness cover safeguards clients against financial hardship due to serious health issues or death. Policies are tailored to mortgage terms, ensuring dependants or estates can meet repayments during challenging circumstances.
People
David Schrimshaw
Founder & Mortgage Consultant
David established D S Mortgages in 2003 after a 37-year career in financial services, including roles as a lending underwriter and mortgage manager. His expertise ensures clients receive strategic mortgage advice aligned with long-term financial goals.
Philip Dineen
Mortgage Consultant
Philip joined D S Mortgages in 2016, bringing 37 years of experience from Barclays and Woolwich. He specialises in new business development, offering clients insights into mortgage market trends and lender criteria to secure competitive deals.
Nicholas Dineen
Administration & Digital Manager
Nicholas manages D S Mortgages' online presence and administrative operations since 2016. His background in financial services complaint auditing ensures efficient processes and compliance with regulatory standards across all client interactions.
Questions
What mortgage services does DS Mortgages offer?
We provide first-time buyer, remortgage, moving home, and buy-to-let mortgages, along with insurance solutions tailored to your financial needs.
How does DS Mortgages help clients find the right mortgage?
We assess your circumstances, goals, and existing arrangements to recommend suitable products from a wide range of lenders, ensuring affordability and compliance.
Are there fees for DS Mortgages' advisory services?
Fees are transparently disclosed in mortgage illustrations. We may charge a one-off fee or receive commission from lenders or insurers.
What insurance options are available through DS Mortgages?
We offer buildings and contents insurance, income protection, mortgage payment protection, and life & critical illness cover to safeguard your investments.
How experienced is the DS Mortgages team?
Our consultants have over 37 years of combined experience in financial services, including roles at major institutions like Barclays and Alliance & Leicester.
