Mortgage Advice From Someone Who Truly Has Your Back
I’m Madeleine, an experienced mortgage advisor based in Urmston, Manchester, helping first time buyers and homeowners across the UK navigate one of life’s biggest financial decisions with confidence.
When you work with me, you won’t be passed between departments or treated like a case number, you’ll deal directly with me from start to finish.
After more than 17 years working in high street banking and financial services, including a role as a Financial Planning Manager at Axa Wealth, I was made redundant while pregnant with my eldest child.
At the time, it felt daunting, but it also created an opportunity.
Rather than returning to a corporate role with long commutes and limited flexibility, I decided to build a business doing the part of the job I loved most: helping people make confident financial decisions about their homes.
Over a decade later, I’ve never looked back.
There is nothing more rewarding than helping someone move into a home they didn’t think was possible.
Experience You Can Rely On
Mortgages have a reputation for being complicated, stressful and full of jargon.
In reality, most people just haven’t had someone clearly explain their options.
Many clients come to me feeling overwhelmed, confused by conflicting information online, or worried they won’t be approved. Others arrive after hitting a problem elsewhere.
My role is simple:
to break everything down into plain English, present realistic options, and guide you through the process step by step.
You don’t need to understand everything, that’s what I’m here for.
With over 25 years in financial services, I understand how lenders assess applications, how criteria differ, and how to structure cases correctly from the start.
I arrange mortgages for clients with a wide range of circumstances, including:
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First time buyers unsure where to start
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Home movers upsizing or restructuring finances
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Self-employed clients with complex income
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Buyers with past credit issues
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Clients who have been declined elsewhere
I offer an unrestricted range of first charge mortgages (excluding deals only available directly from lenders), giving you access to options you may not find on your own.
Most importantly, you’ll always deal directly with me, not a call centre, not a team, not a rotating list of advisors.
Who I Love Helping And How I Work
While I can help clients at every stage of the property journey, I particularly enjoy supporting first time buyers.
Buying your first home is exciting, but it can also feel daunting when you don’t know what to expect.
I love showing people what is actually possible, especially when online calculators or quick bank checks have made things look out of reach.
There’s nothing better than handing someone the confidence to move forward.
My approach is straightforward, honest and supportive.
I believe in being upfront about costs, realistic about options, and clear about the process so there are no surprises along the way.
I don’t just arrange your mortgage, I manage the process, keep things on track, and remain available for questions throughout.
Even after your mortgage is approved, I monitor rates up to completion to make sure you’re on the best deal available.
A Bit About Me
I live in Urmston with my husband Dan and our two children, Penelope and Ozzy.
If you’re local, you may spot me out walking or running around the area — or in one of the coffee shops.
We bought a Victorian semi-detached house in 2022 and have spent the last few years renovating it, so weekends often involve DIY projects or gardening.
Whenever we get the chance, we head to the Lake District or Yorkshire Dales for a walk, whatever the weather. Being from Lancashire, a bit of rain doesn’t put me off.
I hold the following professional qualifications:
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CeMAP
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CeFA
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DipFS
Birtles Mortgage & Financial Solutions Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Number 944165).
You can be confident that any advice you receive is fully regulated and designed with your best interests in mind.
Ready to take the next step?
IIf you’re looking for clear, personalised mortgage advice and ongoing support from someone who genuinely cares about your outcome, I’d be happy to help. simply complete the form below and I’ll be in touch to discuss how I can help.
No jargon. No pressure. Just clear guidance tailored to your situation.
Alternatively you can email madeleine@birtles-mfs.uk
