Taking the stress out of your Mortgage application

Dealing with mortgage lenders and insurers on your behalf keeping your best interests and unique requirements at the forefront of your application.

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We aim to deal with all our clients with professional advice, service, commitment and attention to detail.

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Expert Advice And Quality Service

Elsby Associates Limited are committed to looking through a range of mortgage and insurance products to find those choices that best suit your needs. We have many years' experience in this ever-changing mortgage and protection markets, so this lets us focus on giving you a great financial experience, whether you're buying a new home, refinancing an existing one or maintaining a portfolio of buy-to-let properties.


This firm usually charges 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.

We take the Stress out of the Buying Process

We take the stress out of the buying process by dealing with mortgage lenders and insurers on your behalf, and by using our knowledge to avoid any potential problems. We’re committed to making sure you get to where you want to go, quickly and easily.

We build long-term client relationships, working with you over the years as your property journey progresses. As we learn more about your plans and your overall situation, so we are increasingly able to help you understand your options and enable you to make sensible choices now and in the future.

Discover how we can help you

We aim to deal with all our clients with professional advice, service and commitment

and with attention to detail; that’s why so many of them feel confident to recommend our services.


Whether you're getting on the property ladder for the first time, moving to a bigger home or buying for investment, Elsby Associates is here to support you and take away the stress and uncertainty that comes with buying and selling property.

Whatever your situation, we will provide you peace of mind to know you’re making the right choices

Insurance Protection

Life Insurance is a great way to help protect your family from the financial worries they could face if you were no longer around. Life insurance pays out a cash lump sum or regular income if you die within the term of the policy. Cover is usually on a level or decreasing basis which we will review with you.

Critical Illness

If the worst happens and you're diagnosed with a serious illness, it's important to make sure you're covered against the financial impact it could have on your family.

Critical Illness and Serious Illness insurance policies pay out a cash lump sum or a regular income when you are diagnosed with a particular illness or suffer injury from a serious accident specified in the policy terms.

Policies vary depending on the provider, so it's important to understand the differences. For example, the number of illnesses covered, definitions, partial payments and claims to payout ratios.

In the event of your diagnosis, money paid out from a Critical Illness policy could be used to help maintain your standard of living, pay off your mortgage and, if needed, pay for private healthcare.

Income Protection

We all insure our cars and homes but we don’t always look after what pays for it all: our earnings.


How would you pay the bills if you were sick or accidentally injured and couldn't work?

When the unexpected happens, we know that what matters is peace of mind from a policy you can trust. Income protection policies can be straightforward, simple to arrange and individual to you, providing:

An income to help replace any loss of earnings due to ill health or accidental injury.

An insurance policy that's affordable and easy to arrange; helping to give peace of mind to you and your family.

Continued benefits if you go back to work in a reduced capacity, with a reduced salary.

Tax-free payments under the current rules (tax year 2018/2019), although this might change in the future.

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Income Protection Insurance can cover a wide range of situations and has the potential to pay out for many years, even up until retirement age.

Income Protection Insurance is designed to typically protect up to 60-70% of your gross salary dependent on provider if you are unable to work due to accident or sickness and, in some cases, unemployment.

Elsby Associates can talk you through the options available from our panel of well known insurers and advise on the right policy for you. Whatever your situation, it will give you peace of mind to know you’re making the right choices.

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What our customers say about us

Here's what people are saying about Elsby Associates Limited.

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