Fees begin at £395 and are payable ONLY at point of mortgage offer.

We are here to make finding the best mortgage deal easy. We will guide you every step of the way – from finding the right mortgage at the best rate, to completing the daunting application process.

First Time Buyer

Buying a house is one of the most important decisions you will ever make. We are here to help you make the right decision when it comes to home financing. Find out more

Home Move

Should you stay with your current mortgage provider or make a fresh start with someone new? We’ve helped hundreds of people get the best mortgage deal. Find out more


Want to get a better deal or borrow more? We asses the entire market when remortgaging your home to find the mortgage that’s right for you. Find out more

Arrange your Free, No Obligation Consultation today.

    I agree to be contacted

    What Our Customers Say We really appreciate all of your feedback, thank you so much!

    Read more testimonials

    No Matter the type of Mortgage you need, We can help. Expert advice with access to the whole of the market

    First Time Buyer Mortgage

    Buying a house is one of the most important decisions you will ever make.  There is so much to consider such as which type of property? Which mortgage provider? How much can be borrowed?  How much deposit is needed? Which solicitor? How much will it will all cost?

    We can also help with any current government schemes such as Help to Buy & Shared Ownership.  We can help with all the paperwork involved and liaise with all the relevant departments on your behalf.

    With all of this we can help you make the best choices for your first home and guide you through every step of the process.

    Home Mover Mortgage

    Moving to your next home can be as daunting as it is exciting.

    Moving your mortgage to fund this purchase can be quite complicated.  Most lenders will allow you to move your mortgage to the new property, but you should seek advice to ensure you are getting the best deal.

    We can take the worry out of the equation and guide you to the best deal for your new home.

    Mortgage Protection

    The most popular protection policies are for Life and Critical Illness Protection. The death of a partner is a devastating event for any family, but it can be made worse if you are left with financial problems.

    Life protection plans are at the centre of all risk planning and this is the minimum you should have for your family.

    Cancer, heart attacks and strokes are the most common critical illnesses in the UK. The good news is that the survival rate is very high, and many people make a full recovery, but during the illness and treatment they are often unable to work, and the family can fall into huge financial difficulties.

    We can access a range of providers who can offer all types of policies to fit your budget.


    Remortgages can be used for many reasons such as finding a lower rate, home improvements, another property purchase and debt consolidation.

    However, most people simply switch mortgage products and lenders to get the best deal and rates. For example; the introductory fixed deal has now finished, your mortgage will move to the lenders standard variable rate (SVR).  This generally will have a higher interest rate but will not have any exit fees.

    Moving to a new deal with your current lender may not be the best option, this is where we can help search the whole market.

    Buy To Let Mortgage

    Having a second property to let to tenants could reap considerable financial rewards.  More and more people have turned to this form of investment to grow their wealth; however, it is not without risk.

    Becoming a private landlord should not be seen as an easy way of making money. It can be riskier and more complicated than it first appears.   It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will rise.

    Recent government changes have made this area of investment needing more advice than ever before.  We have access to the to the whole market and can help find the best deal for you and your investment whether you chose to have 1 property or a whole portfolio.

    Home Insurance

    Your home is typically your most valuable asset and raising a mortgage will mean you will have to arrange building insurance to satisfy the lenders offer.

    Home Insurance provides you with peace of mind by protecting your buildings, contents and personal possessions from damage or loss.

    We can offer quotes from a panel of the UK’s leading 5* Defacto rated insurers.

    Dave Ellis CeMAP

    About Us

    Fresh Financial Service was established in April 2018 by Dave Ellis – a mortgage broker with over 21 years experience.

    After spending 17 years at a local High Street bank, Dave spent 4 years with a local mortgage company where he quickly learnt the market. The move to establish Fresh FS was based on the realisation that he could offer a better service if he was running his own business.

    Dave’s aim is to provide a professional and personalised service when it comes to dealing with all your borrowing and protection needs.

    “During my time at the bank I learnt the value of treating customers fairly, being honest and actually doing the work that is promised.  All too often people deal with differing finance establishments that are not focused on the task at hand.  I always aim to deliver on what I promise”.

    At Fresh Financial Services Limited you will get the benefit of the choice of the whole market.  This means that we can search for the very best deal that is bespoke to you and your current situation.

    About our Service We've helped 100's of clients with their mortgages over the years. How can we help you?

    A personal consultation at which all of your needs are assessed and data collected to allow us to begin our research.

    The whole of market is analysed to find the right mortgage product for you.

    A bespoke advice report is constructed and presented for your consideration. All technical points are explained and any questions are answered by our experienced professionals.

    Once you have agreed to proceed with our recommendation, we will handle the entire application process on your behalf, leaving you free to make the really important decisions to make your new house a home…like picking out the right sofa!

    Moving Tips

    Important Information

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

    Any Questions? Please call us: 07977 814787

    If you have any questions about the process or our service then please get in touch. We are here to help.

    Email us