Elsby Associates Limited

Mortgage Broker Westmill House, 29 Marsh Parade, Newcastle under Lyme, Staffordshire, ST5 1BT
First meeting at adviser's own cost
Response rating
9.3/10
FCA verified
15th October 2018
Comprehensive Mortgage Brokers Life Insurance, Critical Illness, Income Protection Financial Advice Will & Estate Planners
We can advise you on
  • Bad credit
  • Buy to let
  • First time buyers
  • Flexible
  • High loan to value
  • Remortgage
  • Residential
  • Right to buy
  • Self employed
Meet our advisers
Carl Elsby CeMAP ASWW
Director
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
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
What were the circumstances that caused you to look for a Financial adviser? I was looking to remortgage my house into my sole name following a divorce and with me not having a great credit rating I was not able to approach the main steam lenders. How did Carl Elsby help you? Carl had access to numerous lenders that without his expertise and experience I would not have been able to remortgage. Have you seen the outcome you were hoping for? Yes the house has now been successfully remortgaged in my sole name. What could they have done better? No nothing!!!! A wonderful professional firm who was determined and persevered to get the result we needed, Thanks Carl Feb 2017
L Richards, Newcastle under Lyme
What were the circumstances that caused you to look for a Financial adviser? First time buyer. Carl Elsby found us a mortgage that was cheaper than any online quotes. What is your current situation? Have you seen the outcome you were hoping for? Yes. What could they have done better? Nothing, Carl was brilliant, helpful, understanding and quick to respond to emails calls and any questions. We thank Carl for his time and patience and look forward to working with him again in the future.
S Sen & B Scragg, Leek
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
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
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
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
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
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
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
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
We required a re-mortgage. Carl was excellent not only did he ensure we had the correct mortgage to meet our needs he also ensured it was the best deal on the market at the current time. He then arranged life insurance to meet our needs and budget. The outcome was a great new re-mortgage deal and excellent life insurance policies arranged too. Excellent service throughout.
P Kennedy, St. Helens
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.
O Turner, 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.
S Holloway, Stoke on Trent
Carl help us find the right mortgage for our needs. With his help, we identified the right product. Carl then helped us navigate seamlessly through the entire application process and was able to expedite it for us. What could they have done better? Nothing I can think of. Carl was fantastic!
Alex Campos, Birmingham
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
Client's Summary Comment: From our initial converstaion, Carl understood my requirements fully. Within a very short time a number of options were put up up, adviced upon clearly and adecison reached very quickly. Would certainly use the service again.
B Chavda, Middlesex
Client's Summary Comment: I have had advice now on 2 fixed rate mortgages and both advice and service were excellent. Will be using Carl for advice in the future.
R Hunt, West Yorkshire
Client's Summary Comment: Carl has worked for us on 2 separate occasions now. The first when was in 2011 when we were looking to re-mortgage our buy-to-let property in order to release some equity. He could not have made the process any easier, and his whole-of-market knowledge/exposure meant we were able to release the necessary funds through changing providers with the absolute minimum of fuss. The second occasion was in 2014 when we needed to raise a new residential mortgage to move to a larger property. This process might have been extremely complicated, as a number of relevant affecting factors meant that we were by no means a traditional or even particularly attractive proposition to any potential lender. Again, Carl was able to present our case in such a way that ultimately we received the offer we sought, and we were able to complete the sale in June 2014 - much to everyone\'s relief, including, I suspect, Carl\'s ! In conjunction with the mortgage advice, Carl arranged an enhanced level of life cover, which, again. was not a particularly simple matter due to various health concerns affecting both my wife and myself. Again, Carl was able to find the right provider at the best price. A genuinely 5* service from a consummate professional !
S Foulds, Lanchashire
Where to find us

Westmill House, 29 Marsh Parade, Newcastle under Lyme, Staffordshire, ST5 1BT

Contact us
About us

We have access to a Comprehensive Range of Mortgages and we also specialise in Insurance Protection for Life Insurance, Critical Illness, Income Protection and property Insurance.
We specialise in all types of mortgages, Remortgages, Purchase, First Time Buyers,
Help to Buy and Buy to Let.
We offer a professional service at our office / telephone or home visit if you prefer and within our location.

Our services

I have over 25 years in Financial Services & specialise in Mortgages & Protection.
We help First Time buyers, Moving Home, Buy to Let and Re-mortgage. I am passionate about what I do and helping my clients to achieve their goals and what is best for them within this ever changing mortgage market.
I provide Face to Face advice and Telephone advice to my clients around other parts of the UK. If you require a home visit please contact me to see if I can cover your area.

Advice methods
  • phoneButton
    Telephone
  • icons
    Face to face
Special offers
Choose an Unbiased exclusive special offer:
Preferred clients
Minimum mortgage value
£0
Compliance

Authorised to provide advice on Mortgages, General Insurance and Pure Protection business only.
Wills & Estate planning advice is provided by a third party. Neither Elsby Associates Limited or PRIMIS Mortgage Network are responsible for the advice received.
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.
Your property may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Let.
We may charge a fee for mortgage advice.
The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

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