CMS is an Independent Mortgage Advice company based in Altrincham, Cheshire.
We customise mortgage solutions for our clients in the following areas:
- Standard purchases
- Remortgages
- Additional borrowing
- Buying to Let / Letting to Buy
- First Time Buyer options

By using Cheshire Mortgage Services, you are getting totally unbiased mortgage advice. Our whole of market mortgage database is updated daily to ensure that you get the best available to you.
Let us search 1000s of mortgage deals for you, to find the one that best suits your current needs and circumstances. And we could save you money in the process.

CMS was established in 2003, when Managing Director Lucy Fahey decided to break from the shackles of panel based mortgage advice, to set up a company offering truly independent advice from the whole mortgage market.
Lucy has worked in Financial Services since 1993, working her way from Loan Advisor at a high street bank up to fully qualified Mortgage Broker for Estate Agents and Mortgage Companies throughout the late 1990s.

CMS was initially based in South Cheshire, but Lucy's local knowledge of North Cheshire and South Manchester led to her relocating to Altrincham in early 2004, and subsequently expanding the business, a process that continues to this day and is predominantly driven by referrals from happy clients!

CMS employs 2 full time Mortgage Brokers - both fully qualified to CeMAP level III

Every client has different needs and circumstances. That is where CMS comes in.
There are thousands of mortgage products available at any one time, and that number is growing daily. Our job at CMS is to find you the mortgage that best suits your position.
Your dedicated advisor will conduct a Fact Finding process with you either by phone, email or in person. This will enable them to be fully aware of your financial situation and recommend the most suitable mortgage product for you.
Unlike other Broker services, our service does not end there. CMS will obtain a Mortgage Decision from your chosen lender, fully apply for your mortgage on your behalf and track its progress from initial application through to full legal completion the day you get your keys!!
You will also receive a review of your mortgage throughout its lifetime making sure you pay no more than you have to.

CMS will review and research your insurance needs in relation to your mortgage.
This includes the following;
- Buildings and Contents
- Life Insurance
- Critical Illness cover
- Mortgage Payment Protection Insurance
- Permanent Health Insurance
- Family Income Protection

For further information and explanation of the benefits of these mortgage related insurance policies, please speak to one of our advisors.

CMS does not charge a brokers fee in most cases.
We receive our commission from the lender / provider, should our minimum fee of £495 not be covered by the lender / provider, clients will be charged the shortfall. However you can pay us a fee; if you choose this option the fee will be 0.5% of the loan / cover amount and our commission will be passed on to you.

Member of the Altrincham CHamber of Commerce
Fully CeMAP and CeFA accredited advisors