About

About2025-08-06T15:42:41+01:00

Independent Advice, Personal Service

Founded in 2003 by Michael and Jeanette Nicholls, DFS Financial Services Ltd has been dedicated to providing independent mortgage, protection, and insurance advice to clients across the UK. With over 60 years of combined experience, our family-run firm is committed to delivering tailored financial solutions with a personal touch.

Personalised Financial Advice from People Who Truly Care

Michael and Jeanette Nicholls are the husband-and-wife team behind DFS Financial Services — a trusted, independent financial advice firm serving clients across the North West.

With over 60 years’ combined experience, they offer clear, honest guidance on mortgages, insurance, and protection. Their down-to-earth approach means clients always feel heard, supported, and confident in every financial decision.

Family-Run, Client-Focused, Backed by Decades of Experience

60+

Combined Years of experience & Counting

1.

Expert Knowledge

Over 60 years of combined experience guiding financial decisions with confidence.

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2.

Personal Service

Friendly, one-to-one support tailored to your goals and circumstances.

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3.

Trusted Advice

Independent, honest recommendations – always in your best interest.

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Available services

Mortgages

Expert help with buying, moving or remortgaging – tailored to your needs.

Answering phone calls

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Buy to Let

Confidently invest in property with experienced, independent buy-to-let advice.

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Protection

Protect your family’s future with personalised life and income insurance options.

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General Insurance

Find trusted home, contents and landlord cover – without the comparison site confusion.

Customer reviews

Real feedback from people who’ve trusted us with their financial future. Here’s what our customers think of our service and support.

Micheal explored lots of options for me. He was always available on the phone and very reassuring and professional

 

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He has been the one to apply for my mortgage which is now approved and in place! And he recommended other services to me that are assisting me with my move.

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As self employed it is sometimes difficult to obtain lending at reasonable rates, Michael helped navigate this process

VouchedFor Review

Michael was very attentive throughout the whole process, starting with advising on our options and guiding us step by step towards completion and also choosing insurance options. Communication was very smooth and quick.

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 Any Questions? We’ve Got You Covered

We know financial decisions can feel overwhelming – especially when it’s your first time getting advice. That’s why we’ve answered some of the most common questions we hear from clients. If you don’t see what you’re looking for, feel free to get in touch – we’re always happy to help.

Why not just use a comparison site?2025-05-23T21:42:43+01:00

Comparison sites often miss out on tailored cover. We ensure your insurance fits your needs – not just the cheapest headline price.

Can you help with landlord insurance?2025-05-23T21:42:29+01:00

Absolutely. We work with a range of providers to find landlord policies that protect rental income, contents, and liability.

Do I need home insurance if I own my home outright?2025-05-23T21:42:15+01:00

Yes – home insurance is still important to protect your building and belongings from unexpected events like fire, theft, or flood.

Live Chat

Straightforward guidance from a friendly face.

Feel confident in every step with support you can rely on.

Clear advice for mortgages, insurance and financial peace of mind.

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it. Buy to Let Mortgages are not usually regulated by the Financial Conduct Authority.

DFS Financial Services Limited is an appointed representative of New Leaf Distribution Limited which is authorised by the Financial Conduct Authority. Number 460421.Head Office: First Floor, Princess Caroline House, 1 High Street, Southend-on-Sea, Essex SS1 1JE. Registration Number 5520001.

Copyright © 2025 DFS Financial Services Limited

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