No broker fees · No jargon · No nonsense
You've got questions. We've got straight answers - and we'll work harder than anyone to get you the mortgage you need.
Mortgage brokers in Wrexham, Chester & North Wales · Advising the whole of the UK
Get a free answer today, no appointment neededMessage Phil or Chris directly on WhatsApp - phone, video or in person to follow. No obligation, no broker fee, no pressure.
The questions everyone asks first
There's no magic calculator that gives you a reliable number - because your real borrowing power depends on dozens of factors. Income structure, outgoings, credit history, property type, deposit size - lenders across Wrexham, Chester and beyond weigh all of these differently.
What we can tell you: we will do everything in our power to maximise what you can borrow. Phil and the team have 20+ years of experience in the mortgage market. Start a conversation and we'll figure out your real number together, fast.
Our brokerage fee? £0.00. Precisely nothing. Nil. Nada.
Heald Associates is completely free to use. We don't charge you a fee for the advice we provide - we receive a procuration fee from the lender when your mortgage completes. We promise to recommend the right mortgage for you, as smoothly as possible. You pay nothing extra for having an expert in your corner.
We'll always be upfront about any lender or third-party costs - but our advice, our time, and our expertise won't cost you a penny.
Book a free appointment →The honest answer: the sooner you start talking to us, the sooner we can move. Speed depends on having the right information - and the first appointment is where we ask the questions that unlock everything else.
Many clients across North Wales and Cheshire are surprised by how quickly things can move when you've got the right broker on your side.
Don't wait until you've found a property. The best time to book an appointment is before you start looking - so you're mortgage-ready the moment you find the one.
Book your appointment now →Our brokerage fee
Free advice, a wide panel of 90+ lenders, and a team that genuinely cares about recommending the right mortgage for you.
That's not a gimmick - it's just how we work.
The process
Drop us a message on WhatsApp, or call - whichever suits you. No commitment, no forms with 47 fields. Just a relaxed chat.
Phil and the team understand your situation properly - income, plans, timeline - so we can search our panel of lenders for the right fit.
Access to lenders the high street doesn't offer. We do the legwork, you compare the options - explained in plain English, no jargon.
From application to completion, we stay involved. Chasing lenders, keeping you informed, making sure nothing falls through the cracks.
What we do
Buying your first home is exciting - and a bit daunting. We guide you through every step, from finding out what you can borrow to getting the keys in your hand.
Most popularUpsizing, downsizing, or relocating across North Wales or Cheshire - we'll make sure your next mortgage is the right one for where you're headed.
Coming off a fixed rate? Don't just roll onto your lender's standard rate. We'll search our panel of lenders and could help you save money every month.
Whether you're a first-time landlord or a seasoned investor, we understand buy-to-let inside out and know which lenders work best for properties in North Wales and Cheshire.
Freelancer, contractor, or business owner? Getting a mortgage when you're self-employed can be tricky - but we know exactly which lenders understand your income.
Bad credit, unusual income, unusual property - very few situations are off the table. Phil has 20+ years of finding solutions others couldn't. Let's talk.
Beyond the mortgage
Getting the mortgage is just the start. The smartest thing you can do is make sure everything you're working towards is protected - for you and the people who depend on you.
We'll have an honest conversation about your options. No pressure, no jargon, just a clear explanation of what's available and what actually makes sense for your situation.
Ensures your mortgage is covered and your family protected if the worst happens.
A lump sum if you're diagnosed with a serious illness - so you can focus on getting better.
Keeps money coming in if illness or injury stops you working. Your ability to earn is your most valuable asset.
Where we work
Based just outside Wrexham in North Wales, close to Llangollen, we know the local property market inside out - from terraces in Wrexham town to rural properties across Denbighshire and the Dee Valley, market towns like Farndon and Malpas, and commuter homes in Chester and Cheshire.
We're proud to be the go-to mortgage broker for first-time buyers, movers and investors across the region. And because we work remotely too, we advise clients across the whole of the UK.
Book a no-obligation appointmentYou won't get a call centre. From your first enquiry to completion day, you'll deal directly with Phil or Chris - real people who know the local market and take the time to get it right for you.
Client reviews
"Excellent service provided - very professional, knowledgeable and diligent."
"I am particularly pleased with the communication between myself and Phil and how easy it was for me to contact him with any issues or questions."
"Phil has been fantastic throughout. Easy to talk to. Clear advice. Very responsive."
"Clear comms and advice/guidance and clarity of options. Zero pressure and a person-centred approach."
"Very pleased with the ease of communication, Phil was always available and made sure I felt listened to and tailored everything to my needs and explained everything very well."
"Phil has been tremendously helpful. He is always just a message or a call away, and he has explained everything to me in simple terms, which I have greatly appreciated as a first time buyer."
"We're returning customers of Phil and we're always incredibly happy with the service we receive. He goes above and beyond to find us the best deal, he tells us everything we need to know - good and bad - so that we can make the best, informed decision for us."
"Chris has been amazing and will be recommending and using anytime I need to."
"I highly value Chris for his consistently responsive and efficient approach, even during the Christmas period. My circumstances were far from a straightforward mortgage application, yet his advice and guidance throughout have been exceptional. He took the time to explain options clearly, remained proactive at every stage, and made what could have been a stressful process feel well managed and reassuring."
"Level of detail provided to fully understand the products and services on offer. Full transparency and in depth knowledge to aid an informed decision on the right product. Excellent service."
"The in depth knowledge and understanding of Phil to tailor my mortgage to my individual needs was exemplary. All communicated in a very professional and easy to understand manner. Phil has given me great peace of mind. Thank you for your services."
"Phil has been my mortgage advisor for years and always been amazing help! Always happy to advise and takes the time to discuss things with me."
Join hundreds of happy clients across North Wales, Chester, Cheshire and beyond.
💬 WhatsApp us nowThe people behind it
Over 20 years in the mortgage industry means there are very few situations Phil hasn't encountered and solved. He founded Heald Associates in 2020 with one mission: give everyone access to the quality of mortgage advice that actually makes a difference.
Chris brings a rare combination of financial services expertise and deep property industry knowledge. That dual perspective means he understands the whole picture - not just the mortgage - and gives advice grounded in how the market really works.
Common questions
One appointment is all it takes to get things moving. We're here for buyers and homeowners across North Wales, Chester, Cheshire and the whole UK.
No obligation · No broker fee · No jargon