At RJW Associates we pride ourselves in offering you the most appropriate and impartial financial advice, based on your individual circumstances ensuring that the advice we offer is tailored specifically to suit your needs.

RJW Associates is an independent mortgage broker directly authorised by the Financial Conduct Authority. The director and principal Robert Winterhalter has been associated with financial services since 1982; starting his career in banking and later becoming an Independent Financial Adviser, as a partner with Positive Solutions before forming his own company RJW Associates in 1996, specialising in mortgage services.

Buying a property is normally the most costly expense that people undertake in their lifetime and we want to help you get it right. We know that the process can often be extremely stressful and complicated, but with our expertise it needn’t be; at RJW Associates our aim is to make things as simple as possible for our clients.

We use the latest computer software to research, compare and select the most suitable mortgage and insurance deals currently available from 'an unlimited range across the market'. We will help you reach a realistic assessment of your likely requirements and carry out a needs analysis based on your current situation, taking into account any specific plans or targets you may have.

Our Expert Mortgage Adviser will guide you through the entire process. Using plain English we will help you through the stages one step at a time, working out how much you can borrow, how much it will cost, and what type of mortgage may be most suitable for you.

On your behalf, we will take care of all the paperwork, and liaise with Estate Agents, Lenders, Surveyors and any Solicitor you have asked us to instruct.

Let us do all the work - all you need do is call us, our complete mortgage service will help you sit back, relax and concentrate on your plans for moving into your new home.



The Directors of RJW Associates are committed to ensuring that the Financial Conduct Authority’s Consumer Duty principle is integral to our philosophy. The New Consumer Duty will not only require financial firms to focus on supporting and empowering their customers - with clearer, more accessible information and support - but to ensure companies deliver fair value and clients avoid foreseeable harm. We intend to ensure that this principle is applied in all areas of our day to day business activities.



RJW Associates act as credit brokers and will liaise with lenders on your behalf.