the story...

Elsby Associates was set up in 2005 by Carl Elsby following on from his career with Britannia Building Society. His mission was to be able to provide a Professional Advice Service to his clients for Mortgage & Protection Advice from a range of Lenders & Insurance providers, rather than just offering from one provider.

Carl is still today our Senior Advisor & Director of the business and him and his team look after their clients which are now all over the UK to ensure they have the best advice for their needs and protection in place for the unforseen. Carl is also qualified to give advice on Equity Release / Lifetime Mortgages.

Elsby Associates can help clients with all aspects of Mortgage Advice, whether you are a First Time Buyer, Home Mover, Remortgage and Buy to Let. The market is constantly changing and lenders / insurance providers all have different criteria / products, so its so important to seek out professional advice which is what we provide our clients.

We have extensive experience of working with lenders and niche lenders also for complex cases, especially if you are Self-employed, Company Director, Contractor or Mortgages for Professionals. 
We also work with Estate Agents, Accountants, Solicitors & IFAs who often refer clients to use for our expertise in our field.

We can also refer you to a professional Will Writing Service & Estate Planning under Elsby Wills UK. 

Wills & Estate Planning services are referred to a third party. Neither Elsby Associates Limited nor PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection. 

The Financial Conduct Authority does not regulate taxation and trust advice, will writing, powers of attorney. 



Expert Advice & Professional Service


Elsby Associates Limited are committed to looking through a range of mortgage and insurance products to find those choices that best suit your needs. We have many years experience in this ever-changing mortgage and protection market, so this let's us focus on giving you a great financial experience, whether you're buying a new home, refinancing an existing one or looking to buy your first buy-to-let.


Our team

Our team consists of highly qualified and motivated professionals, who are all experts in their field. With many years of experience in the industry, they have the expertise to provide comprehensive, first-rate services to our clients.

Carl Elsby

Director & Advisor

Carl founded the business and is also able to advise on Lifetime Mortgage Advice (Equity Release). When not in the office I love walking our black lab, Poppy and I am a bit of a geek with tech! and cars...

Richard Roocroft


Richard has been within our business advising clients for over 9 years. He loves meeting with new clients and helping them finance their home & property aspirations. In his spare time you will find him spending time with his 3 granddaughters, in his garden or his new greenhouse! 


Rachel Elsby

Case Manager

Rachel, looks after client retention and keeps in touch with our clients for their reviews, when they are due. She also loves the outdoors, gardening and is a superb cook! 

Imogen Elsby

Case Progression 

Imogen is learning the ropes within the business and also is trained in drafting Wills and legal documents, she aims to qualify in the future as a Lawyer and specialise in the area of Trusts & Probate. She absolutely loves driving since passing her test in 2023 and like most young ladies shops like crazy! 

the legal bit...



Elsby Associates Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority.

The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

The Financial Conduct Authority does not regulate some types of Buy to Let mortgages, taxation and trust advice, will writing and powers of attorney. 

Registered office address - Elsby Associates Limited, Westmill House, Marsh Parade, Newcastle, Staffordshire, England, ST5 1BT

Registered in England and Wales 

Registration number - 11232168


Mortgage Broker in Stoke on Trent - Mortgage Advice Staffordshire - Mortgage Advisor in Newcastle-under-Lyme 

© Elsby Associates Limited

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