Arranging a mortgage is a big decision; one that will potentially change the way you spend and live for years to come.

How we can help

The mortgage market is competitive and can be intimidating. Alone, it’s almost impossible to ensure you’re making the right decision.

Emma O’Neill has spent the past 15 years developing her expertise and understanding of the market. She is always able to recommend the most suitable and cost-effective option for you.

Emma works with first-time buyers, people buying their next home, existing homeowners looking to remortgage and Buy to Let investors.


Learn more about who we work with…

Our conveyancing service

We’re proud to offer a bespoke service. As part of this commitment, we work with a panel of solicitors and conveyors who we are able to instruct on your behalf. It’s just another way we can make the mortgage process as stress-free as possible.

Our client journey

Are you a first-time buyer?

  • First-time buying can be daunting. We’re here to guide you every step of the way, beginning by explaining the whole homebuying process; what happens when, and the fees required.
  • We show you how much you can borrow and the amount of deposit you will need to pay. We also explore the different mortgage options with you and explain how much your repayments will be.
  • We work alongside you through every step of the transaction to ensure that the process of finding your dream home to moving day is as smooth as possible.

Are you looking to buy your next home?

  • Moving home can be a stressful process. From experience, we know that the first step in eradicating any anxiety is to find the right mortgage for you.
  • We’ll talk you through all the details to inform your decision making: including interest rates, insurance and arrangement fees.
  • From our initial discussions to the day you get the keys to your new home, we’ll be with you every step of the way.

Are you looking to remortgage?

  • It can be hard to know if you’ve got the best deal with your mortgage. If you’re looking to change your arrangement, we help you establish whether a remortgage could help reduce your monthly payments and leave more money for you.
  • We assess your situation and recommend the best option for you, searching the whole market to find the best deal.
  • You can trust us to give truly bespoke mortgage advice and do what’s right for you.

Are you looking to Buy to Let?

  • The recent changes to mortgage lending make Buy to Let mortgages an area that increasingly requires the help of a specialist.
  • If you’re looking to add a property to your portfolio, we’ll help you find the right mortgage to enable you to do so.
  • We can also review your existing Buy to Let mortgages and help you to make the right decisions going forward.

Client testimonials

I truly believe Emma went above and beyond to ensure all my needs were met and that I got the best available loan at the lowest possible rate. I would recommend Emma to anyone looking for a mortgage. She was superb.


Wendover, Buckinghamshire

Our meetings with Emma helped us feel at ease, and her expertise was most helpful. She was friendly and clearly passionate about her work and helping us. We could not recommend her more highly and will be using her services again should we buy another house.

Simon and Amy


We visited Emma when we were buying our first home. She gave us excellent, clear advice with no fuss, no pressure and no hidden catches. We’re delighted to have finally got onto the property ladder and cannot thank Emma enough for her help.

Simon and Louise

Oundle, Northamptonshire

Emma very much put our minds at ease. She explained each step of the process in simple, understandable terms. The main benefit for us was the way Emma took away the stress. With her help, the whole process was quite relaxed and went quicker than we thought it would.

Sean and Abbie

East Northamptonshire

Emma went above and beyond in order to help me look for properties and offered to set up viewings if required. She was a huge benefit in helping me find and move into my new property and I would have no hesitation in both recommending Emma and using her services again.



We have dealt with Emma for over four years with regards to our mortgage requirements. Her friendly, professional and detailed approach left us with no doubt but to call on her expertise for future house purchases. We always recommend her to friends and family.

Ian and Ellen


We felt completely at ease to ask questions (no matter how silly they may have seemed at the time) and they were always addressed in a clear, concise and timely manner. The sale is now complete. We simply could not have done it without you help. Thank you, Emma.

George and Chloe


Get in touch

Looking for your dream home? Ready to save money on your mortgage? Want to protect your home and family?

You’re in the right place.

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