Emma O’Neill - Oundle & Stamford

Emma O’Neill

Director & Mortgage Adviser

01832 272653

07494 067 679


Meet Emma


Emma worked in the estate agency business for more than 16 years. Her background provided a solid framework for her current role as a mortgage adviser.

Emma’s friendly approach and stellar reputation have gained the trust and friendship of many local people who know Oundle and Stamford Mortgages as the first port of call for anything related to homes and mortgages.

Her extensive experience means she has the knowledge and expertise to provide a truly unique, holistic service; from finding the perfect home and negotiating the sale to moving day and beyond.

Emma believes in finding the most suitable mortgages for her clients’ needs and protecting their income, family, lifestyle and home if they were to fall ill, be unable to work or pass away. That’s why Oundle and Stamford Mortgages’ services ensure income protection, critical illness cover, life insurance and buildings and contents insurance are discussed with clients when transacting a mortgage application.


Emma has lived in Oundle since 2013. Some people may remember her as Emma Allen before she married Andy (O’Neill), hence the name change! They welcomed Thomas into the world in 2021.

Emma loves holidaying in the UK, particularly in Cornwall, as well as travelling abroad.

In her spare time, you will find Emma spending time with Thomas, Andy and her family.


  • Gin
  • Spending time with my family
  • Shopping for shoes
  • A good Netflix series


  • Coffee
  • Cold weather
  • Traffic jams
  • Scary movies

Client testimonials

A massive thank you to Emma & Kelly for arranging our remortgage. We were worried that our circumstances might prove tricky, but they handled everything with ease, and they were always on hand to answer our questions. Fantastic service!

Jon Cade

A massive thank you to Emma at Oundle & Stamford Mortgage Services. You made our mortgage application so so easy and gave us the reassurance to be able to benefit from the COVID-19 stamp duty tax relief! No matter what time of day Emma always responded to our queries and regularly touched base if she hadn't heard anything for a while. Using a local broker just gives you the reassurance that a professional invested individual has your best interests at heart. Thank you so much Emma and we will be back in touch soon for all our other protection policies.

Ben Dalgliesh

We have used Emma for several re-mortgages and now additional borrowing for an extension. The advice, communication and personal service is outstanding. Emma is someone I trust and rely on for professional advice. I can't recommend her and Kelly highly enough.

James Woodward

Couldn’t thank Jess enough for her service. Never thought I would get a mortgage and because of Jess’s advice and guidance I am currently buying my first home. Very professional and a very warm approach to all questions.

Paula Harm

Emma helped us every step of the way, always had time for all our questions and problems. Made sure we got the product we desired. Thank you

Adam Berrill

As an existing customer, this is the second time I have used Emma's service. Emma was very responsive, understanding and helpful. I will continue to use their services and would thoroughly recommend them.

Charlie Fowler

I recently had a mortgage product transfer arranged by Emma and I couldn’t recommend her and her business enough. The process was very easy, reasonably priced and the customer service was second to none. I even received a surprise thank you package in post which was great! Thanks again for the help, I will definitely be using Emma again if I need any mortgage help or advice!

Peter Moore

Had excellent service from Jess. She helped me with remortgaging and also my insurance policies. Jess was extremely professional and massively proactive and answered all my queries in a timely manner. I had issues with my previous mortgage company and Jess stepped in and saved the day and got my mortgage sorted for me. I'm now a customer for life and I completely trust their advice. Thank you so much for your help

Philip Hall

We can’t thank Emma enough for finding the right mortgage for us to enable us to buy our forever dream home. Emma kept us informed during the whole process easing our anxieties as much as possible. Emma also made sure we had all the documentation we needed prior to applying to lenders to ensure the process was as smooth as possible. Thank you so much!

Rebecca Scotney

I would definitely recommend 100%. Amazing service, very friendly and always happy to help. Emmna and Kelly have both been professional and always there if I needed and questions answered. Thank you ladies.

Stacey Mann

Great communication, clear advice, v fast to respond to questions and Emma and Kelly managed to get my mortgage through amazingly fast. Recommended

John Westlake

We’ve recently used this service, emma looked after us. Brilliant from start to finish. Affordable, great customer service-personal and friendly. Quick and clear responses to all communication and filled us with nothing but confidence. Thank you for all the hard work to enable us to buy our new home, we are so happy! Highly recommend!

Faye Pitsillides

A great professional service from Jess who helped me with my mortgage and insurance policies. I would like to thank her for her time and patience with me and for providing such excellent advice and working tirelessly to get me the best products and always keeping me up to date with the progress. I am now back on the property ladder and I can’t thank Jess enough for helping me get there. I would thoroughly recommend.

Lisa Ashton-Jones

Really helpful and knowledgeable staff. I felt I received good service and follow up after the house purchase had gone through. Friendly and made themselves available when I had queries.

Helen Gurney

When we wanted to change our mortgage provider, we decided to use Oundle & Stamford Mortgage Services and we are so pleased we did! Emma was very thorough and took the time to find us the best options for what we wanted. Very professional and clearly knows her job... would highly recommend. Thank you Emma!

Mr & Mrs Weston


A friend recommended Emma at Oundle and Stamford, and from the first phone call I felt totally at ease, as Emma reassured me that she was confident she could help us. Throughout the mortgage application process, she was professional, knowledgeable, and spent time explaining our options.

Michael & Nancy


We were first time buyers and we were a bit lost in how the whole process works in buying our very first home. Emma was fantastic, she explained things to us every step of the way by phone, email and over WhatsApp messaging, which was very good because if we had a quick question over something we didn't understand we could WhatsApp Emma and she would get back to us very quickly. Both of my brothers have used Oundle and Stamford Mortgage Services and we can all highly recommend!! Thank you so much for helping us move into our new home.

Scott & Jamie


Emma has been amazing from start to finish. She has kept us updated throughout. Answered all questions we have had and even helped with chasing up solicitors and paperwork. On top of that she got us the best deal on our mortgage. Would highly recommend. Thank you, Emma, for all your help.

Stephanie & Tom


We are extremely happy with the service that Emma of Oundle & Stamford Mortgage Services provided for us. After struggling for a while to find a mortgage that worked for us with different brokers, Emma seemed to make things work almost immediately. With a fair fee, great communication and an abundance of knowledge with lenders, Emma made the whole process very smooth and stress-free for us throughout.

Abby & Sandy


Our first experience with the property ladder has not been an easy one but we can’t thank Emma enough for her patience and support throughout the entire experience. Emma has come back to emails and phone calls without delayand has offered us great advice along the way. Emma came recommended from a friend and we could not recommend her enough! Thanks, so much Emma!

Anna & Jack


Emma has been brilliant, making us feel at ease and assured us we had nothing to be embarrassed about! She managed to fit the appointments around our busy family life and gave us lots of different options for our re-mortgage. She has helped us every step of the way. We will absolutely use Oundle & Stamford Mortgage Services again and would highly recommend their services.



Communication with Emma has always been very good whilst negotiating difficulties encountered when dealing with mortgage lenders. It was apparent very early on that Emma was extremely competent and understood the mortgage market well.

Mr Dard


Emma is extremely professional and personable; she knows her industry very well and gave me a lot of confidence throughout the entire process. I would have no hesitation in working with Emma again in the future.



Emma was absolutely stand out; not only did she know the in's and outs of every lender and placed me in the best possible way, pushing my affordability to the exact amount I needed, but she was also so personable, came back to me really quickly on all my questions (which was loads as a first time buyer purchasing on my own), I felt really looked after and she even called me when she was on holiday. Thank you so much Emma for helping me get my first mortgage.


St Ives, Cambridgeshire

I was referred to Emma via my previous Mortgage service provider. The service has been fantastic, and I would highly recommend anyone who is looking in the future to use this company! Very professional and customer centric experience! Thank you and well done.



Emma is very friendly, professional, and most importantly, does not give up! After struggling to secure the re-mortgage that I was hoping for (due to reasons of my own doing), Emma came through with an alternative option that I am very happy with. Needless to say, I will be using Emma for all of my mortgage needs moving forward. Thank you again!



Emma has been amazing through the whole process or re-mortgaging! Always made herself available to provide help or guidance! She was willing to answer any question I had, even the silly ones!! Cannot recommend her enough!



I would definitely recommend, Emma answered all my questions and never made me feel silly for not knowing what may seem obvious to some. She has made buying a house so easy. She also travelled to me in Leicester. Thanks Emma.



Having worked in the estate agency and mortgage industry for the last 10 years, I thought, as a first-time buyer, that it would be easy to understand how to get a mortgage, but I was wrong!

Lisa Northeast

Emma was understanding of our situation and worked outside of normal hours to get a mortgage offer in place. She achieved this in record time and avoided interest rate rises. Oundle and Stamford Mortgages are the most professional company I’ve ever had the pleasure of dealing with.

Adam O’Neill

I can’t recommend Oundle and Stamford Mortgages enough. Emma has helped me in the past, and her knowledge of the mortgage world is unmatched. She got us a great mortgage offer in an uncertain market. We’ve just moved into our dream home, and we couldn’t have done it without her help.

Alex Hall

We came to Emma to get advice regarding where we stood with getting a mortgage. From start to finish, she was great – very friendly and open, which put us at ease. Ours was an awkward case, and she gave us good advice on how to move forward. I’d have no hesitation in recommending Oundle and Stamford Mortgages, and I wouldn’t use anyone else but them in the future!

Sarah Morris

With this being my first home, I wanted a firm that would be on top of my purchase and keep me updated. I struck gold when I proceeded to go with Jess and the team. The entire process was so easy, and Jess made it feel very personal and like she would do her best to look after me. These Charlie’s Angels made it possible.

Sam Machin

Emma and the team are fantastic. As first-time buyers, we needed the process explained to us in a lot of detail, and Emma was always at the end of the phone to answer any questions or queries we had. She is highly professional (and patient!). We wouldn't hesitate to recommend Oundle and Stamford Mortgages to anyone.

Emma Feneley

The team at Oundle and Stamford Mortgages were always helpful and friendly, and we felt truly valued as clients. The complete process made us feel confident that we were in the hands of experts, and we were delighted with the outcome. It was a totally stress-free experience. Emma and Kelly were easy to contact, reliable, and swift with responses and advice.

Anneliese Cooper

From the very first contact with the team, it was a breath of fresh air! They never made us feel stupid and took the time to explain everything. They were always on hand to help and were happy to communicate, even outside of the normal 9 to 5 hours.

Ali Doughty

Emma and Kelly were brilliant with getting a mortgage for my partner and me. Being self-employed made it a little tricky for us, but they found a great lender with fantastic rates. They were always there whenever we needed help or had a question. We will, without a doubt, be coming back to Oundle and Stamford!

James Bush

I recently used Jess to remortgage our property. At very short notice, she pulled out all the stops to ensure we could secure the best deal available on the market before the interest rate increased. This saved us hundreds of pounds. She was quick to respond to questions, always polite and utterly professional.

Max Honey

Oundle and Stamford gave fantastic advice and customer service from start to finish. The team was professional and proactive in making progress on my remortgage. For the first time ever, I could put the whole process to the back of my mind and not worry. I’d highly recommend the team if you need any guidance or are looking to get a mortgage, remortgage or insurance. These guys know their stuff!

Craig Edwin

All testimonials are taken from Google reviews or Facebook reviews provided by our clients.

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