Elsby Associates Limited

Mortgage broker  Westmill House, Newcastle under Lyme, ST5 1BT
Whether you need to review your mortgage deal, moving home, First Time Buyer or want to start Buy to Let we can help. Carl Elsby is also qualified to advise on Equity Release / Lifetime Mortgages. We cover all aspects of Protection policies and Wills.
We can advise you on
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Bad credit
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
Adviser unavailable
This adviser is currently out of office and not available for contact
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FCA authorised
Last authorised 27th June 2022
Meet our advisers
MR Carl Elsby CeMAP CeRER MLIBF ASWW
Director Broker Principal

This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

What our clients say
I was a First time buyer and was unsure of the whole process of buying a home and types of mortgages. Carl Elsby explained the while process, recommended mortgages that would suit my requirements and financial position. He even put the offer in for my on my behalf to the estate agent. Absolutely brilliant service and definitely paying less for mortgage than if i tried sorting it myself. What could they have done better? I honestly cant think of anything i would say Carl could improve on.
C Wilson, Stoke on Trent
We were very pleased with all aspects of Carl's advise and assistance in relation to the re-mortgage. The re-mortgage process was prolonged and difficult as a consequence of the changes in procedures by the mortgage lender and the attitude adopted by them. At all times Carl kept us well informed of developments, was very professional and assisted us in overcoming the petty bureaucracies of the mortgage lender. We would not hesitate to seek Carl's advise again and would definitely recommend his services to others.
Gareth Harris, Newcastle under Lyme
Making a will, renewal of mortgage and life insurance. Carl was excellent , polite,helpful and explained everything so that I understood what the products were. He was patient and found me better products than I could have wished for and cheaper. I will defiantly use Carl again and get my family and friends to use him to. I got more than I expected a will, cheaper mortgage and better life insurance. Carl was better than I expected so there is nothing he could have done any better. It not often you find a genuine person willing to spend time explaining and saving you money. Thank you Carl you provided a service way beyond 5 stars.
S Holloway, Stoke on Trent
I was looking for 95% mortgages to purchase my first property. I contacted Carl when I found a property I wanted to purchase, Carl made an appointment to see me at very short notice. Carl worked very hard to find me the right product's. As I had never purchased a property before I was unsure of the processes I had to follow, Carl explained everything and recommended mortgages, solicitor's and life insurance.I would highly recommend Carl to anyone in need of financial advice as he was very accommodating and approachable. I am now all moved into my property just a couple of months since my first appointment with Carl. I can honestly say that Carl really could not have done more for me. In fact I have recommended Carl to a some friends of mine.
Adam, Stoke on Trent
Little time to organise the mortgage on our own and in need of some advise and help. Carl found the best product available to us to fit our particular circumstances he also organised any insurance requirements we needed. We have had the best possible outcome and will be speaking to Carl in the future.
Olivia, Stoke on Trent
Making a will, renewal of mortgage and life insurance. Carl was excellent , polite,helpful and explained everything so that I understood what the products were. He was patient and found me better products than I could have wished for and cheaper. I will defiantly use Carl again and get my family and friends to use him to. I got more than I expected a will, cheaper mortgage and better Life Insurance. Carl was better than I expected so there is nothing he could have done any better. It not often you find a genuine person willing to spend time explaining and saving you money. Thank you Carl you provided a service way beyond 5 stars.
Sharon H, Stoke on Trent
I have a very busy lifestyle and limited time to arrange a mortgage. I have used Mortgage Advisors in the past, but none compare to the level of service and speed Carl deals with things. Carl got me the best deal. After looking on the net I could not find one that compared more favorably than the deal Carl got me. He dealt with everything from start to finish requiring very little of my time. I got a better outcome than expected. The service Carl provided was worth every penny and I would highly recommend him. I will be using the service from now on for all my financial needs. What could they have done better? Absolutely nothing can be improved from my point of view. Credit also goes to Carl's assistant Jill who handles everything excellently when Carl is unavailable.
H McGregor, Congleton, Cheshire
I was recommended by an estate agents to Carl. He was brilliant. (Still is) About applying for a morgage and also about re mortgaging. He advised me about insurance as well. Nothing was too much for him, even late into the night advising and reassuring me as well. I'm more than happy with his professional: attitude, manner and humour through a stressful time. He kept me going through a difficult time regarding purchasing my late families house.
T Whitehouse, Pontefract, Yorks
I was a first time buyer I was unsure of the buying process and how mortgages worked. Carl was very clear in explaining things to me, he helped and advised me every step of the way and he was able to answer anything that I was unsure of. I am now a proud home owner. I was very happy with the recommendation of Carl - Elsby Associates and I will definately be using him again in the future and I would gladly recommend him to others. What could they have done better? Nothing really, I was very happy with the service that he provided.
J Barlow, Stoke on Trent
Carl at Elsby Associates is a very professional and helpful advisor who was always available, even out of hours. Carl suffered a very drawn out process of mortgage selection due to our requirements changing several times, but he was always supportive and able to offer advice no matter how many times we changed our minds. We also had a significant change in circumstance for our application which Carl was still able to identify the best mortgage to suit our needs. I would highly recommend Carl and his financial services, we will be seeing him again soon to setup insurances. Nigel
Nigel, Newcastle-under-Lyme
Carl from Elsby Associates is a very good adviser with lots of motivation and tons of professionalism. He has helped us with buying our first home and managed to find us a great deal despite our unusual financial circumstances. It was all sorted within days rather than weeks or months.
Michal G, Stoke on Trent
I was buying off my council house and being from a different country and it being my first buy I had no idea what to do and how to do it. I have been looking for a mortgage advisor for a long time and after long searches I have found Carl Elsby. The reviews were great so I thought id give him a go. And so far thats the best decision I have made.! He has been so helpful!.. Explained all the procedures and all the different types of mortgage and covers. Honestly he helped me so much and I am so helpful. It was always easy to get in toutch and he kept me updated at all times. I have not expected to get such a good mortgage deal...i am so happy with the service and all the help and support. If anyone if thinking whether to go with Elsby Assosiates or not. I can easily say go for it!
Kristina C, Stoke on Trent
Always a friendly and professional service; wouldn’t go anywhere else - Carl has helped us with our wills, multiple property purchases and mortgage renewals and knows the process inside out which takes away all the stress and has helped us save a substantial amount of money in interest.
N Thomas, Newcastle
Carl has helped us with two lots of updates to our wills, life insurance and has also helped my Sister in Law and best friend. Nothing is too much trouble with very friendly service but non-pressured practical advise. Five star service Thank You
D Barber, Kidderminster
We have used Carl now for the past few years, from buying our first home together to helping us to climb the property ladder and moving into our second home. He is very knowledgeable and patient and explains everything so clear...mortgages can be so confusing. However, Carl really does take the time to explain not just current finances, but what your finances may look like in the future and most importantly finds you the best deal for you. Thank you Carl.
M Needham, Tean, Staffordshire
About us

We pride ourselves in looking after our clients and have are able to advice on all aspects of Mortgages, Equity Release & Protection Policies.

We also offer a Will Writing and Estate Planning service and can also arrange Lasting Powers of Attorney documents via our other business Elsby Wills UK, which we are members of the Society Of Will Writers (SWW).

We offer a professional service at our office / telephone / video or home visit if you prefer and within our location.
We are passionate about what we do and helping clients to achieve their goals and what is best for them within this ever changing mortgage market.
If you require a home visit please contact us to see if we can cover your area.
Carl Elsby our MD who set up Elsby Associates in 2005 is also a Certified Mortgage Advisor accredited with The London Institute of Banking & Finance and a member of The Equity Release Council.
He is also a member of The Society of Will Writers (SWW) for the business Elsby Wills UK.

Our services

We specialise in all types of Mortgages, Remortgages, Lifetime Mortgages, Equity Release, First Time Buyers, Buy to Let.
When you become a client we will always review your mortgage regularly.
We also arrange Protection Policies which include Life cover, Critical Illness, Family Income benefit, Income Protection and Property Insurance. Ask us about why we place your Protection policies in Trust!

Wills & Estate Planning, Lasting Powers of Attorney via our other business Elsby Wills UK

Where to find us
Head office address: Westmill House, 29 Marsh Parade, Newcastle under Lyme, ST5 1BT
Service coverage
Preferred clients
Minimum mortgage value
£51,000
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

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

Elsby Associates Limited is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. The Financial Conduct Authority does not regulate some forms of buy to let. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Adviser unavailable
This adviser is currently out of office and not available for contact
check
FCA authorised
Last authorised 27th June 2022

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