“I hope I’ve signed up for life with Rebecca to manage all my financial obligations. Rebecca sorted all our mortgages, insurances and trusts. She really got to know our financial situation and gave us a professional and personable service from start to finish. She continuously explored where she could help us save money and ultimately get us the best value across all our finances. Her communication with us had been fantastic, always keeping us well informed and working around our working hours to get things signed and completed. Thank you for helping us so much with what is a normally a massive headache of a process.

So glad we have you as our advisor, I’d never go with anyone else.”


“This is the second time in the last 3 years that I have commissioned Natalie Spencer (Mortgage Consultant for Tim Smith Associates) to broker a re-mortgage deal and I would highly recommend this personalised service. My circumstances are slightly unique in that I am 60-years old and I wanted to use my personal pension pot to underwrite funding of the re-mortgage.

The outcome, in a nutshell, was that Natalie brokered the lowest mortgage rate and secured flexible commitment from the lender for home improvements; and, it took just 5-weeks for the funds to land in my bank account. A friendly, proactive and efficient team.

Thank you.”

Val & Paul

“Highly recommend! Natalie, Nicole and the team were so helpful and kept me up to date constantly throughout my mortgage process. As a first time buyer there were times the terminology used throughout the process could be confusing but they always explained every step and replied back to any questions i had pretty much instantly! With their help I completed within 8 weeks!

Great service and value for money. Thank you:)”


“Fantastic home buying service, from arranging the best mortgage rate to recommending a great solicitor.

Highly recommended.”


“We were recommended to Natalie from a customer at my partners work. We wanted to remortgage but was worried about our credit rating. Natalie and Nicole were fantastic, we were kept up to date at every step. There was a hiccup along the way but it was no trouble for them. It was a clear and straightforward process and already recommended them to friends who have used them recently.

Won’t hesitate to use Natalie again.”

Linzi & Steve

“Thank you very much to Natalie who has made the process of buying a house so much easier. She has dealt with all of our changing circumstances in a friendly and professional manner.

We could not recommend Natalie enough!”

Ben and Jessica

“When we went to Natalie I had previous bad credit and thought this might stop me and my partner from getting a mortgage but Natalie and the team worked amazingly in finding the appropriate lender at a rate that was affordable for us. Communication from Natalie has been outstanding, not just with us but they had regular contact with the mortgage company and solicitors to ensure the buying of our house went smoothly.

Extremely grateful to have gone with Natalie and the team, would highly recommend.”

Lucy & Richard

“Natalie has worked closely with us to help determine the best possible mortgage deal. She has been a constant source of expert guidance and continues to offer bespoke support for other products. She has a wealth of knowledge and we feel at ease knowing she has our best interest in focus. I would highly recommend her and the services offered by Tim Smith Associates.”

Brendon and Antonia

“This is the first time we have used Natalie and Nicole from Tim Smith Associates and we can’t recommend them enough, they helped us through the whole process of remortgaging our home and helped us with all the forms and kept us updated throughout and wwereas always there to answer our questions, either by phone call, text or email.

They got us the best rates available at the time and considering the Mortgage crisis with rising interest rates we got a good deal and their fees are also excellent value for money, so thanks to Natalie and Nicole – we are going ahead with our home improvements now. ”

Russell  and Karen x

“We have used Natalie numerous times for mortgages and life insurance.

On this particular purchase, Natalie really helped us to get a mortgage offer with good rates in challenging times, and with myself being self employed, she was able to give us great advice and pushed to the end with great communication with our solicitors and lender.

I was very nervous coming out of covid times with my accounts showing less profits, but there was no need to feel nervous with Natalie’s help. We are now in our new home.

I highly recommend Tim Smith Associates.”


“I have worked with Natalie on a number of transactions over the last 10 years and she is the definition of a subject matter expert. Natalie is knowledgable, diligent and extremely responsive and is always willing to go the extra mile for her clients. I cannot recommend Natalie enough.”


“I would highly recommend Natalie and Nicole to anyone looking for help with their mortgage. My re-mortgage was not straightforward for various reasons, but they were on hand to offer professional and sound advice and respond very promptly to queries from either myself, the lenders or the conveyancing solicitors to ensure I got a mortgage at a great rate and the completion deadline was met. ”


“I have worked with Nat and her team for 10+ years to help me with mortgages & financial advice. The advice I have been given has aways been solid and I would consider her, a trusted advisor in this space. She takes all the hassle away and presents her research really well.

“She recently brokered a fantastic mortgage for us (in very tough market conditions) & her and the team are always available for any questions.

Highly recommend.”


“Hi Natalie,

Just to say thanks very much for all your help.

Natalie has once again helped us navigate the minefield that is remortgaging our house. I had so many questions that Natalie was able to answer promptly and concisely, breaking things down so I was able to grasp exactly how everything worked and what was needed. It speaks to the high level of service she provided, that everything went through with such minimal input from myself. She gathered all the required information from me swiftly and everything went through without without a problem, just as she said it would!

Would highly recommend her to anybody!



Natalie has been a fantastic advisor for us. Natalie offered a great deal of flexibility when arranging meetings with us. This was extremely helpful during a very busy time in our lives. Each time we met, she gave us an amazing amount of her time and no question was too silly (and I think we had a lot of silly questions!)

Natalie’s honest opinion and vast experience ensured we felt comfortable in every step. Thank you.

Chris & Ruth

“Just a quick note to thank you for all your hard work and perseverance in helping me to secure a mortgage, life and critical illness cover, not a small task considering I am in my sixties (60 years young)

We had to overcome a number of market challenges with interest rates changing from one week to the next, product limitations and pre-existing health conditions to contend with, but you got there and we now have a successful outcome

Many thanks again and I would be very happy to recommend you as the service was first class.

Best regards”


“I cannot recommend Natalie enough as a Mortgage Advisor! I knew from the second I spoke to Natalie that she genuinely would not stop until she got us a mortgage that we were happy with. And I was right, Natalie clearly has years of experience and this shows in the quality and professionalism of her work. I honestly don’t have a bad word to say about my whole experience of buying a house and none of it would have been possible without Natalie. Thank you so much for being so amazing at your job and such a lovely woman!”

Bridie x

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