Business Details
13 Years
experience
Your Trusted Mortgage and Insurance Brokers in Porthcawl
Established in 2013, D C S Financial operates as an independent mortgage and protection advisory service dedicated to providing tailored financial solutions. Our approach focuses on understanding client needs to deliver personalized mortgage, insurance, and estate planning services. With a commitment to transparency and client education, we guide customers through complex financial decisions while maintaining relationships with multiple lenders to secure competitive rates.Our team of qualified professionals offers appointments seven days a week, combining industry expertise with a client-centric philosophy that emphasizes long-term trust and satisfaction. We maintain partnerships with specialist providers to ensure comprehensive coverage across residential and commercial financial requirements.
Services
Mortgage Advice
Buy to Let Mortgages
Commercial Mortgages
Equity Release
First Time Buyer
Remortgage
Insurance Solutions
Conveyancing
Wills & Trusts
Business Finance
Details
- Year established: 2013
Highlights and features
- We offer independent mortgage advice with appointments available 7 days a week
- Our team includes CeMAP qualified mortgage consultants and insurance specialists
- We provide access to 1,000s of mortgage deals from high street banks to specialist lenders
- We maintain established relationships with legal and insurance partners for comprehensive solutions
- Our company was founded in 2013 by industry professionals with over 10 years' experience
What people say
Fantastic service
Highly recommend
Impeccable advice
Saved me money
Dedicated mortgage broker
Services
Mortgage Advice
As whole-of-market mortgage advisors, we source competitive deals from 1,000+ lenders including high street banks and specialist providers. Our CeMAP qualified consultants offer personalized guidance for first-time buyers, remortgagers, and buy-to-let investors. We handle all paperwork and coordinate with legal professionals to ensure smooth transactions from application to completion.
Insurance Solutions
We provide comprehensive insurance coverage including life, critical illness, income protection, and commercial policies. Our specialists assess individual needs to recommend appropriate coverage levels while ensuring value for money. We also arrange complex insurance structures for business owners and high-net-worth individuals through specialist providers.
Conveyancing
Our conveyancing service connects clients with experienced solicitors who handle property transactions from offer to completion. We coordinate with Hek Jones Solicitors to ensure legal compliance and protect client interests during property purchases or sales. The process typically completes within eight weeks with dedicated support throughout.
Wills & Trusts
Our specialists create legally sound wills and trust arrangements to protect family assets and ensure inheritance wishes are fulfilled. We advise on tax-efficient structures including life interest trusts and property protection trusts. Services include will writing, lasting power of attorney, and funeral planning arrangements.
Commercial Finance
We arrange tailored financing solutions for businesses including secured and unsecured loans, bridging finance, and property development funding. Our services support business expansion through commercial mortgages and asset finance options. We work with specialist lenders to provide competitive rates for various business sectors.
People
Dale Smith
Company Director
With over 10 years' experience in financial services, Dale established D C S Financial in 2013 after working with major insurance brokers. He maintains regular client contact through nationwide visits and ensures ongoing policy relevance for long-term client satisfaction.
Huw Martinson
Mortgage Consultant/Office Manager
A CeMAP qualified mortgage adviser since 2014, Huw manages daily operations while providing expert mortgage guidance. He has implemented training programs that enhanced team qualifications and improved service delivery processes across the organization.
Curtis Henry
Head of Administration
Since joining in 2013, Curtis has progressed from apprentice to administration head, overseeing staff training and implementing client tracking systems that improved operational efficiency and service consistency.
Sarah Williams
Provider Relationship Manager
Sarah manages key partnerships with insurance providers and financial institutions, ensuring access to competitive products. Her role focuses on maintaining strong relationships that benefit client outcomes through better product availability and service coordination.
Questions
What mortgage options are available for first-time buyers?
We offer specialized first-time buyer mortgages with competitive rates, including 95% LTV options and government schemes like Help to Buy. Our advisers explain all available choices and find suitable solutions based on individual circumstances.
How do your insurance services differ from online comparison sites?
Unlike comparison sites, we provide personalized advice from qualified specialists who assess your specific needs. We explain policy details, exclusions, and recommend appropriate coverage levels rather than just comparing premiums.
What areas do you cover for in-person appointments?
While based in Porthcawl, we serve clients throughout South Wales and offer nationwide mortgage advice. Our team conducts home visits across the UK and provides remote consultations via phone or video calls.
Are your mortgage advisers qualified?
Yes, our team includes CeMAP qualified mortgage consultants with ongoing professional development. All advisers operate under FCA-regulated status through our partnership with The Right Mortgage Limited.
How do you handle commercial property financing?
We arrange commercial mortgages and business loans through specialist lenders, offering tailored solutions for property purchases, developments, and business expansions. Our brokers compare options to find the best fit for your specific requirements.
What estate planning services do you offer?
We provide will writing, trust creation, lasting power of attorney, and funeral planning services. Our specialists help protect family assets and ensure inheritance wishes are legally documented and tax-efficient.
Reviews (6)
James Thomas
Sep 13, 2019
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Dealt with Huw, who didnt turn up for our original meeting so i had to deal with another member of staff for our initial confrontation. Didnt respond to query's via email i had to ring to get a response, Was promised an agreement in principal by a set date this didnt happen nor did i recieve a call explaining why this hadnt been done. Ive now been forced to use a diffrent advisor, shame huw was very polite.
Kirsty Cox
Aug 03, 2017
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Huw Martinson was fantastic in assisting us with our first house purchase. He was very approachable and friendly and we felt like we could ask him anything. He kept in contact constantly with us and our solicitors to make sure everything went smoothly. Would definitely recommend if unsure of anything and will most definitely use again. Thank you so much!!
Nadine Morgan
Dec 19, 2016
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Great service from all the staff! A friendly and approachable team. I always recommend to friends and family.
Stefan Hart
Sep 28, 2016
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A fantastic company, i would highly recommend them to anyone looking to remortgage or anyone looking to make that big step of buying their first home. Very professional company which will do everything they can to meet all your needs. They have also found me very good life insurance for me and my partner and I'm very much looking forward to meeting up with the team at DCS when my mortgage is due for renewal. Many thanks for all your help
Robert Ray
Aug 17, 2016
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We needed a Will to ensure our estate was in order. The adviser recommended putting our property into a Life Interest Trust as we are not married, along with placing all our insurances into trust also. We feel much happier knowing that our money will go where we want it to and our children will receive the benefit in the future. I would highly recommend using their services.
Nikita Henry
Aug 12, 2016
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I recently took out income protection through DCS financial and i am looking to, in the near future, take out my first mortgage. The advice and service I received was impeccable and the quality of service was second to none. I will be sure to use their services again and would highly recommend them to anyone else.
