Business Details
13 Years
experience
Trusted Financial Advisers in Porthcawl
Established in February 2013, D C S Financial operates as independent mortgage and protection specialists, prioritising client-centric solutions. Our team of experienced advisers offers tailored financial guidance across mortgages, insurance, conveyancing, and estate planning. With a commitment to transparency and expertise, we provide access to a comprehensive range of products from major lenders and specialist providers.Our services cater to both personal and business clients, supported by partnerships with industry-leading firms. We maintain a client-focused approach, ensuring clarity and support throughout every financial journey. Appointments are available seven days a week, reflecting our dedication to accessibility and service excellence.
Services
Mortgage Advice
Insurance Solutions
Conveyancing Services
Estate Planning
Commercial Finance
Details
- Year established: 2013
Highlights and features
- We offer independent mortgage advice across 90% of UK lenders
- Our team includes CeMAP qualified mortgage consultants
- Tailored financial solutions for personal and business needs
- Appointments available 7 days a week with evening options
- Established partnerships with leading industry providers
What people say
Excellent service
Professional and efficient
Impeccable advice
Highly recommend
Saved money monthly
Services
Mortgage Advice
We provide whole-of-market mortgage advice, accessing thousands of products from high street banks and specialist lenders. Our CeMAP qualified advisers help with first-time purchases, remortgaging, buy-to-let, and commercial mortgages. Tailored guidance ensures clients secure optimal rates and terms for their specific circumstances.
Insurance Solutions
Our insurance services cover life, critical illness, income protection, and commercial policies. Advisers assess individual and business needs to recommend appropriate coverage levels. We specialise in complex cases requiring bespoke protection strategies for families and corporate clients.
Estate Planning
Specialist estate planning includes wills, trusts, and lasting powers of attorney. We help clients protect assets, minimise inheritance tax, and ensure smooth wealth transfer. Services incorporate property trusts and insurance arrangements to safeguard family inheritances.
Conveyancing
Partnering with Hek Jones Solicitors, we manage residential and commercial property transactions. The process includes contract review, title verification, and completion coordination. Our support ensures legally sound transfers with clear financial documentation for buyers and sellers.
Commercial Finance
We arrange asset finance, secured/unsecured business loans, and commercial mortgages. Services include bridging finance, property development funding, and pension-led schemes. Tailored solutions support business expansion, equipment purchases, and property investments across various sectors.
People
Dale Smith
Company Director
With over 10 years' experience in financial services, Dale established D C S Financial in 2013. He specialises in insurance and mortgage solutions, maintaining client relationships through regular reviews. His hands-on approach involves extensive client visits across the UK.
Huw Martinson
Mortgage Consultant
CeMAP qualified adviser since 2014, Huw manages office operations and staff training. He specialises in mortgage and equity release solutions, developing internal processes that supported company growth while maintaining client service standards.
Curtis Henry
Head of Administration
Employed since 2013, Curtis oversees administration staff training and client tracking systems. His apprenticeship background informs practical approaches to process integration, ensuring efficient support for the advisory team's client management activities.
Sarah Williams
Provider Relationship Manager
Sarah manages key partnerships with financial providers, ensuring access to competitive products. Her role focuses on maintaining strong lender relationships that support the company's whole-of-market advisory capabilities across mortgage and insurance sectors.
Questions
What mortgage options do you offer?
We provide access to 90% of UK mortgage lenders, including first-time buyer schemes, buy-to-let, commercial mortgages, and equity release products.
How do you charge for financial advice?
Our advice is typically commission-based through product providers, with transparent fee structures disclosed before service commencement.
Do you offer evening appointments?
Yes, we provide flexible appointment times including evenings and weekends to accommodate client schedules.
What insurance products do you cover?
We arrange life, critical illness, income protection, private medical, and commercial insurance policies tailored to individual and business needs.
How quickly can you complete a mortgage?
While typical completions take 8 weeks, our dedicated advisers work with solicitors to expedite processes where possible.
Can you help with complex financial situations?
Yes, our specialists handle complex cases involving adverse credit, self-employment, and high-value transactions through specialist lender networks.
