Independent Mortgage Adviser in Cheshire
Local, independent mortgage advice from Sally Gaskell. Based in Lymm, near Warrington, helping clients across Cheshire find their way through mortgages with confidence.
Your Mortgage, Your Plans, Your Cheshire Mortgage Adviser
At Delta Mortgages Cheshire, Sally Gaskell provides independent, whole-of-market mortgage advice, helping clients understand their options and make informed decisions about one of life's biggest financial commitments.
With a background in accounting and a natural enthusiasm for problem-solving, Sally particularly enjoys finding solutions when circumstances aren't quite straightforward. From first-time buyers and home movers to self-employed applicants, landlords and clients with more complex requirements, she takes a practical, personal approach to mortgage advice.
We act for you, not the lender.
That means we'll look beyond the headline interest rate, considering your circumstances, the lender's criteria, fees and the features that matter to you.
Let's Talk About Your Mortgage
Whether you've found a property, have a mortgage deal coming to an end, or just want to understand what's possible, Sally would love to hear from you.
Complete the form below and we'll be in touch to discuss your options. Free Initial Consultation, No-Obligation.
Mortgage Advice Across Cheshire & Surrounding Areas
Cheshire has something for just about everyone, from busy market towns and well-connected commuter locations to established neighbourhoods and quieter villages.
Whether you're buying your first home in Warrington, moving to a family property in Knutsford, remortgaging in Northwich, or relocating to another part of Cheshire or the UK, Sally can help you explore your mortgage options.
Based in Warrington, Sally provides mortgage advice across Cheshire and neighbouring areas, including:
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Warrington & South Warrington: Stockton Heath, Great Sankey, Appleton, Grappenhall, Lymm, Thelwall and Culcheth.
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Central Cheshire: Northwich, Winsford, Middlewich and Holmes Chapel.
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East Cheshire: Knutsford, Wilmslow, Alderley Edge, Macclesfield and Congleton.
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West Cheshire: Chester, Frodsham, Neston and Ellesmere Port.
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Nearby Towns: Widnes, Runcorn, St Helens and Newton-le-Willows.
Not based nearby? That's absolutely fine. Sally also helps clients throughout the UK, with mortgage appointments available over the telephone or by video call.
Different Homes. Different Mortgage Considerations.
Every mortgage application is different. Your income, deposit, credit history, property type and future plans can all affect which lenders are suitable.
Sally helps clients across Cheshire with straightforward purchases as well as situations that need a little more research or a different approach.
From your first conversation through to mortgage offer and completion, you'll have an experienced adviser who takes the time to understand your circumstances and keeps you informed along the way.
Buying & Living in Cheshire
From modern developments around Warrington to period homes in Chester, village properties around Lymm and family homes in Knutsford, Cheshire offers plenty of variety.
And different properties (and buyers) can bring different mortgage considerations.
Buying your first home can feel like a lot to take in. Sally can help you understand how much you may be able to borrow, the deposit you'll need and what to expect throughout the mortgage process.
Whether you're moving within Cheshire or relocating from further afield, we'll review your existing mortgage, explore your new borrowing requirements and help you understand the options available.
If your existing mortgage deal is coming to an end, Sally can compare your current lender's options with suitable alternatives across the market, considering interest rates, fees and overall costs.
Shared Ownership can offer an alternative route into home ownership. Sally can help you understand how the mortgage, deposit, rent and service charges work together, and which lenders may be suitable.
Investment & Business Finance
Whether you're purchasing your first investment property, expanding an existing portfolio or looking for more specialist property finance, Delta Mortgages can help you explore the available options.
From first-time landlords to experienced property investors, we can help compare buy-to-let mortgages, rental affordability requirements and lender criteria.
Thinking about moving but keeping your current home as a rental property? We can help explore the financing arrangements for letting your existing property and purchasing somewhere new.
Short-term property finance can help with situations such as buying before your existing home has sold, purchasing at auction or funding certain refurbishment projects.
For developers planning new-build projects, conversions or substantial refurbishments, Delta Mortgages can help explore specialist development funding options.
Limited Company & Portfolio Landlord Mortgages
We also help landlords purchasing through limited companies, including SPV structures, and those managing larger property portfolios where lending requirements can become more complex.
Specialist Mortgage Advice
Not everyone's income arrives as the same amount every month, and not every property fits neatly into a lender's standard criteria.
With her background in accounting and enthusiasm for problem-solving, Sally particularly enjoys helping clients understand their options when their circumstances aren't entirely straightforward.
Whether you're a sole trader, limited company director or have a shorter trading history, we'll review how your income is structured and identify lenders whose criteria may suit your circumstances.
Mortgages for Contractors & Complex Incomes
Bonuses, overtime, commission, contract work, and other variable earnings can all be assessed differently by lenders. Sally can help establish how much of your income may be considered for mortgage purposes.
Mortgages With Previous Credit Problems
A missed payment, default or other credit issue doesn't automatically mean you can't get a mortgage. We'll look at what happened, when it occurred and how different lenders may assess your circumstances.
Mortgages for Unusual Properties
From older or listed buildings to homes with land, non-standard construction or unusual features, some properties need additional consideration. We can help identify potential lender requirements before you apply.
Protecting What Matters
It's not just about buying a property. It's about protecting the life you're building there.
Alongside your mortgage, Sally can help you consider how your household might cope financially if illness, injury or the loss of an income affected your circumstances.
From life insurance and critical illness cover to income protection, Sally can help you understand the different types of cover and decide what may be appropriate for you and your family.
Not sure what this is? Explore our Protection page.
Meet Sally Gaskell – Your Cheshire Mortgage Adviser
“Born and raised in Cheshire, I have a genuine love for the area and a real understanding of the communities I’m proud to call home. I’m passionate about helping people achieve what they sometimes feel is out of reach, making the mortgage process as stress-free as possible and supporting them in turning their dreams into reality. Alongside mortgage advice, I also provide protection advice to help clients safeguard their financial future and protect the people who matter most to them.”
Sally Gaskell believes mortgage advice should be personal, straightforward, and built around the individual.
With a background in accounting and a natural flair for problem-solving, Sally enjoys helping clients navigate the mortgage process, particularly when circumstances call for a little more thought and investigation.
She advises on everything from first-time purchases and remortgages to buy-to-let, further borrowing and more complex mortgage applications.
Sally is passionate about providing a personal service, keeping clients informed and helping make the process as straightforward as possible.
Whether you'd prefer a face-to-face meeting in Warrington or a conversation over the phone, Sally is here to help you explore your options.
Office details
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Delta Mortgages Cheshire
Lymm Business Centre
Davies Way
Lymm
WA13 0QW
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Tel: 0303 0033 606
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Face-to-face appointments by prior arrangement, plus telephone and video consultations.
"Can't recommend Sally highly enough. She managed to secure us an excellent deal on our mortgage, that was not available to us if we applied ourselves. She was able to bring down our loan to value, which opened us up to even better offers!! No more stress for us! The process was super quick, highly personable and very professional. We wouldn't use anyone else. Thank you Sally"
Vicky, Google review
"Our mortgage advisor Sally Gaskell has been so Attentive throughout the whole mortgage application, answered messages usually within the hour and was helpful and diligent throughout the whole process. We did experience some difficulty with the legals part but Sally was assertive with them and gave them the kick they needed to get the completion done quickly."
Dawn, Google review
"Sally Gaskell was extremely professional with how she handled my mortgage renewal. She was very reliable, informative, knowledgeable and worked very hard to compile all the options for me and made it very easy to understand. This meant I could choose the best option for me with my mortgage renewal. I will use Sally again."
Sam, Google review
"Sally was faultless, she was prompt, thorough and extremely helpful throughout the whole process. Went above and beyond, very good, would absolutely recommend her without hesitation."
Emma, Google review
"Sally was incredibly helpful throughout the whole mortgage process. She made everything feel straightforward and stress-free, and was always available to answer my questions and guide me through each step. I really appreciated her professionalism, patience and support, and I wouldn’t hesitate to recommend Sally to anyone looking for help with their mortgage."
Jacqui, Google Review
Take a look at our other 5* reviews
Getting Started Is Simpler Than You Might Think
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Tell Sally About Your Plans
Start with a free, no-obligation chat. Whether you're buying, moving or remortgaging, Sally will learn about your circumstances and what you'd like to achieve.
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Explore Your Mortgage Options
Sally will research suitable lenders, look at affordability and explain the mortgage options, costs and features available to you in Plain English.
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We'll Handle the Application
Once you're ready, Sally will prepare and submit your application, deal with lender queries and keep you informed as things progress.
Frequently Asked Questions
Delta Mortgages Cheshire is based in Warrington, with Sally Gaskell providing independent mortgage and protection advice to clients throughout Cheshire and surrounding areas.
Face-to-face meetings with Sally can be arranged at the Warrington office (by appointment only), alongside telephone and video consultations.
Lymm Business Centre
Davies Way
Lymm
WA13 0QWYour initial consultation with Delta Mortgages is free and without obligation.
If you decide to proceed with a mortgage application, broker fees may apply depending on the mortgage and the work involved. We'll explain these clearly before you commit.
If you're simply switching mortgage products with your existing lender, we don't charge a broker fee for arranging that switch.
Yes, being self-employed doesn't automatically prevent you from getting a mortgage.
Different lenders assess self-employed income in different ways. Some consider an average of earnings over several years, while others may use your latest year's figures or take a different approach to company director income.
Sally can review your circumstances and help identify suitable options.
Yes. We can review your income, regular financial commitments, deposit, and other relevant information to help establish a realistic borrowing budget.
Where appropriate, Sally can also arrange a Decision in Principle, which provides an initial indication of what a lender may be prepared to offer, subject to further checks.
No. Although Sally is based in Warrington and advises clients throughout Cheshire, she also works with clients across the UK.
You can receive the same personal mortgage advice by telephone or video without needing to visit the office.
We generally recommend reviewing your mortgage around three to six months before your current deal ends.
This gives you time to compare products, consider your existing lender's options and make arrangements before your current rate expires. Get in touch with Sally and she will handle all of this for you!
Yes. If you need to buy before your current property has sold, are purchasing at auction, or have a renovation or development project in mind, speak to Sally about what you’re trying to achieve.
She can talk you through whether bridging or development finance could be suitable, how the funding works and the costs involved, so you understand the full picture before deciding whether to go ahead.
Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.