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Insurance service gains momentum

THE GROWTH of DWIFA Mortgage Services has accelerated over the past 18 months, cementing the company’s position as a leading mortgage and insurance adviser in Northamptonshire.

Business levels have tripled since 2017 and the creation of a specialist insurance department has created further growth, as the business increases both staff and client numbers.

DWIFA Mortgage Services was created in 2013 when specialist mortgage adviser Tim O’Neill joined forces with David Williams IFA, already the county’s biggest Chartered Financial Planning business. Tim, who is Managing Director of DWIFA Mortgage Services, brought a wealth of experience to the new business after more than 20 years as a specialist mortgage adviser.

From a standing start with just Tim and his long-term PA, the business has grown to employ 15 members of staff, and is looking towards further expansion this year.

A key appointment in 2015 was fellow Director Chris Peck, another experienced adviser who is well known in Northampton, who joined bringing his own large client bank

Continuing growth has led to the creation of a specialist insurance department now handling numerous enquires around personal and business protection. This has supported a further need to expand; business is looking strong and optimism is high. Along with the addition of a qualified and experienced new support assistant starting later this month, DWIFA Mortgage Services anticipate still further growth.

Chris Peck, says: “With greater levels of business protection enquiries coming through it was important to ensure that our experienced and qualified advisers were backed up by right numbers of support staff. Add to this an already extremely busy mortgage and equity release team it was essential for us to maintain the high levels of service required for both our business and personal clients”.

As well as advising on the full range of mortgages for personal property purchases, buy to let investors and on commercial borrowing, DWIFA Mortgage Services can assist with the essential insurance to safeguard individuals and businesses.

Gareth Smith, who heads up the insurance team, says “The most valuable asset to any business is its people, and without them a company’s survival can be at serious risk. At DWIFA Mortgage Services we’ve made a commitment to protect and support small and medium-sized businesses by offering a range of Business Protection solutions to cover their needs. There are all sourced from a ‘Whole of Market’ offering, which means using the full range of providers available in the UK.

“Our fresh approach to business protection will help you to properly protect your business against the impact of serious illness or death. Our experienced team are here to cover all queries, whether it’s preparing the quotes, answering technical questions, or underwriting concerns, we can advise you through the whole process and make a full recommendation.

Areas that are of particularly interest to business owners and managers are key person cover, relevant life cover and Share & partnership protection.

Key Person Cover – specifically arranged by a company for those members of staff who have a direct impact on the business’s profits, such as the business owners, sales personnel or those employees with specialist skills or expertise within the company. Benefits go to the business in the event of a claim.

Relevant Life Cover – this allows employers to offer a death-in-service benefit to their employees. It’s a tax-efficient life insurance policy, set up by the employer and pays out a tax-free lump sum on the death ( or diagnosis of a terminal illness) of the person insured. The proceeds go to the employee’s family or financial dependants.

Share and partnership protection – This can help business owners keep control of their company in the event of one of them passing away or being diagnosed with a critical illness; it also ensures the deceased’s family are treated fairly.

Tim O’Neill says: “We are working on the launch of a new mortgage and insurance website that is anticipated to go live in early August and we are very well placed to support and handle all ongoing business levels. We see this as a complimentary media platform that mirrors the already friendly but professional ethos of the business”.

You can contact Tim, Chris or Gareth on 01604 250280 or email , or


DWIFA Mortgage Services is authorised and regulated by the Financial Conduct Authority (FCA Register number 597007) 

Your home may be repossessed if you do not keep up repayments on your mortgage.


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